Informed Decisions Independent Financial Planning & Money Podcast

What is most important when deciding to retire? The road to retirement and the decision to exit full-time employment is an undulating road. It is one that brings up many questions, concerns, and indeed many doubts for lots of people. This is particularly so when you are fortunate to have a choice on when you actually retire. In that situation, the internal debate could actually give you a throbbing headache! While only you can make the decision to take an early leap from the purpose and steady income of work, there are some factors that will help you clarify your questions. I hope this helps you, either now or in the future.

Hello! I hope life is good. This week I'm going to be talking about retirement lump sums and what to do with them. This equally does apply to most lump sum investment decisions that we do or will have to make in the future. I will talk about the top 3 considerations you should think about when making the decision to invest a retirement lump sum. Taking or investing a retirement lump sum isn't a one-off decision. There are many aspects that one should consider both at the point of investing but also on an ongoing basis when taking or investing a retirement lump sum. I do hope that it is helpful for one and all that choose to listen to this week's episode.

Having clarity around the management of your RSUs in Ireland is critical to successfully avoiding major tax and succession issues in the future. In this short piece, I will share 3 critical aspects to US RSUs, and outline steps you can take to achieve successful outcomes for you and your loved ones. According to the American Chamber of Commerce Ireland, there are 190,000 people in Ireland, employed by US Companies. Many of these individuals are employees of financially successful companies (think Google, Meta, Paypal, Intel, Oracle etc.) and have benefitted from that success, often in the form of Restricted Stock Units (RSUs) from their employer. Thanks for listening Paddy

How are you doing, hope life is good. We have a very enthused, knowledgeable, and contagious personality on the podcast this week. Roger Whitney. He is The Retirement Answer Man in the US. Podcaster, blogger, financial advisor, community organsier head; he's a ball of energy. And he has some great ideas to share with us in this episode. With Roger, you're going to hear about all sorts of preparations for retirement. You're going to hear about a thing called that 'Tart Cake', which is a new concept we created in our conversation. You're going to hear about his book recommendation. His investment philosophy. His approach to leaving both a financial and a non-financial legacy and how to successfully retire. So we cover quite a bit of ground in this episode, and Roger could talk for days on this one. Roger Whitney has been a Certified Financial Planner for more than 25 years. And he really is on a mission to help people live well today without sacrificing tomorrow, as he puts it. Roger's book recommendations: Top 5 Regrets of The Dying Necessary Endings by Dr Henry Cloud Roger's website: The Retirement Answer Man

Escaping Full Time Employment With William Lacey Part 4 Thank you for joining us for what is our fourth conversation with William Lacey who is in the midst of transitioning out of full time employment out to a life of freedom and choice. In this particular episode it was really interesting to hear William's progress, transitions and works on the various aspects both financial and nonfinancial. We continue to talk about his progress, his thoughts and reflections, on what he has learned since he began this journey with us in February 2022. And what he's going to continue working on next to aid his smooth, successful transition to full time employment to the life of freedom and choice we mentioned

"My Bonds & my equities are falling in my pension - I must do something"....said almost everyone who has an invested pension or investment. It is the natural reaction, and it seems the obvious one, but should you do something, and if so what? In this weeks' super-short piece I share 3 things you might consider doing about it your Bonds & Equity values falling. I hope it helps.

Lars Kroijer is our guest on today's podcast. Lars is a former hedge fund manager, author, and entrepreneur from Denmark. He talks with Paddy about can we beat the market, investment edge, hedge funds, and many interesting related topics. Can We Beat the Market? If We Can't What Should We Do? Hello and welcome to this week's episode. Really interesting topic if you're into investments. If you're into ensuring that you get the optimal long term return for yourself into the future. This episode has some really interesting insights from our guest today. I hope you enjoy it. This is from last year, 2021, but the content, the ideas, and the principles that Lars shared with us are still applicable. Enjoy Lars Kroijer YouTube Channel

Welcome, dear listeners. This is the second of our from the archives podcast and this is from a Tribe episode that was launched in August 2021. We got a really interesting question through the Ask Me Anything function which was a part of Tribe, which is no longer. But the question is a great one. Here we delve into it in quite a bit of detail and got great feedback from the Tribe members. So, hopefully, this episode is of real value to you. Enjoy Consolidate Old Pensions, Or Not?

This episode was originally recorded and published in September 2021 for the Tribe when things, and by things I mean our pension funds and our investments were saving. They were on the upward curve having recovered from a recent downturn. It's amazing how short our memories are when it comes to these things. I'm resharing it now for two reasons: It's a really timely reminder of when things aren't going so well in terms of our pension and our investment values Because I'm taking a couple of weeks' break from podcasting and other professional duties until mid-July However, the ideas, the insights, the thoughts, the planning, the concepts, and the confirmations and clarifications without overegging it still stand. The world is not coming to an end we have been here before and we will be here again. How To Prepare Your Pension For The Next Big Crash. Blog 186 I hope you enjoy!

Hello dear listener. As promised we have Niall Tinney, founder, and creator of Elder Care Finance joining us for an interview. Niall is going to share his own learning, his own experience, and really deep insights about what you need to know when it comes to planning for elder care. Whether that's home care or indeed nursing home care. He's going to share information about the application forms The considerations you need to make when it comes to your planning. We'll take a look at the Fair Deal Scheme The nursing home loan Concepts around availing of tax relief when it comes to paying for all of this. I do hope that this is the start of a journey for you to ensure that you're prepared for navigating this if it is something that you or a loved one might need in the future. Thanks Paddy