Informed Decisions Independent Financial Planning & Money Podcast

Many people are dubious about giving a large gift to adult children. If you find yourself having relatively significant amounts of assets, and adult children, this is for you. In this piece, I share with you 4 smart ways that might allow you to be both tax efficient and supportive (in the right way) to your adult children.

Greetings hope life is good. In this week's episode, we are back with another interview. This week we chat with John Swolfs. John is kinda unlike a lot of the interviews we've done in the past when it comes to people from the world of financial services. John is an organiser of a lot of events. He is organising the Future Proof Festival in September of this year, which happening in California. He is originally from America and has worked with Blackrock and Barclay's Global. He was the CEO and Vice President of Inside ETFs, so has a depth of knowledge about ETFs. And he is now the CEO of Advisor Circle. He brings a real cutting edge view and outlook on things. Which is something that we probably haven't had before. We touch on: ETFs Bitcoin Advisors Financial planning He is a really interesting guy and I do hope that you find it an interesting conversation and that you get some nuggets from it. Thanks, Paddy Future Proof Festival: Home - Future Proof (advisorcircle.com) John Swolfs: John Swolfs | LinkedIn Financial Media Executives Matt Middleton, Josh Brown, John Swolfs, Barry Ritholtz and Matt Hougan Announce 'Future Proof,' a Groundbreaking New Wealth Festival | Business Wire

One of the biggest concerns for most people as they approach retirement is 'Have we enough to retire?' One of the biggest concerns for most people as they approach retirement is 'Have we enough to retire?'. There are a lot of variables (which we will outline shortly), but one of the most significant over the course of a three-decade retirement is the amount that we will spend. This week we share: The variables to consider when exploring the question, 'Have we enough to retire?' The latest research on how our spending changes in retirement Some practical things to help you achieve positive long term outcomes Finally, here are a couple of handy tools and insights that might help you in your own planning. Calculate your tax: free online calculator here PWC Income Tax Calculator CCPC Budget and Spending Tools here Our interview with Fritz Gilbert on the 'non-financial aspects of retirement that many people miss' Our 'When To Take My Pension' Article Our 'Investing In Later Life' Article Economic & Social Research Institute Report On Spending In Retirement Our Services for those approaching retirement Thanks, Paddy

Hope you are well, hope all is good. We are back with part 3 of our listener's journey with William Lacey. William has been sharing his journey with us as he transitions from full-time employment and his concerns, his hopes, and considerations for the future. In today's episode, William shares his progress on the following three areas: His financial arrangements Decisions on how to successfully exit his business Considerations on where to reside, and what interests to pursue Thanks, Paddy.

Award-winning Blogger and successful recent retiree Fritz Gilbert shares with us the financial and non-financial aspects of planning and executing a successful retirement. Fritz discusses: Financial 'Bucket' strategy to manage their finances The 90/10 Rule of Retirement Finding purpose and structure once you pass the 'start line' The importance of having freedom and choice in retired years How to ensure you will 'have enough' money to retire Thanks, Paddy.

Hello, I hope you are well, I hope you had a fantastic Easter time. We're back at the coalface and loving it. Speaking of coalface, we have today a guest who is at the coalface of the legals of pension changes in Ireland. We have a partner of a law firm and he specialises in pensions and what is going on with pensions in Ireland. And it is very, very relevant, indeed to everybody, but particularly those that have established net worth in pension pots. We look at this from both a PAYE, so an employee's perspective but also those who might own or run small or medium businesses that typically have Small Self Administered schemes or Executive pensions. So it hopefully answers a lot of questions for all of those individuals. So, I certainly do hope that this conversation with Stephen Gillick is helpful to you. Stephen Gillick | Irish Business Law Firm LLP Mason Hayes Curran (mhc.ie) The Pensions Authority - Welcome to the Pensions Authority Financial Services and Pensions Ombudsman (fspo.ie) The Only Plane in the Sky: The Oral History of 9/11 by Garrett M. Graff | 9781913183417. Buy online at Charlie Byrne's

Merry Easter dear listener, I hope you're well and I hope you had copious amounts of chocolate or not as the case may be. I'm taking a bit of time out over the Easter Mid Term break to hang out with the kids, have the craic, and of course, help them eat their Easter eggs. That is my duty. That is my calling at Easter time. Welcome to podcast 221, which we are pre-recording. And which you are getting to listen to a bit of bonus content. Something a little bit different than the norm. It is a really interesting interview with the director of coaching from a company called Win Without Pitching. A US-based pricing strategy, value recognition, company. If that means nothing to you, bear with me and bear with this conversion. I do believe that the concepts, and the thinking that Shannyn Lee is about to share with us in this podcast interview which was recorded in 2021, will help everyone. It was released as part of the Tribe podcast series last year. We're re-releasing it to the general public today because I believe there is so much value in this for everybody. The concepts and thinking will encourage all of us to really consider our value. Give it the 40 minutes and let it stew in your brain. I guarantee you, if you're open to it, it will help you in some way, shape, or form. Thanks Paddy

One of the big questions that people we work with ask is; 'where will we live and enjoy our retirement decades?'. There is no set of accurate answers to that question – finding the right solution for you requires exploration, discussion and tangible planning. We are joined this week on the podcast by Mary Conway of Janus Estates, who does this for a living. As Ireland's first Certified Senior Move Manager, Mary shares with us some of the biggest considerations people need to make when they look at their options. I hope it helps, Paddy. https://www.irishtimes.com/business/construction/bartra-plans-blackrock-build-to-rent-scheme-for-older-people-1.4844427

If you are approaching, or indeed planning for retirement (exit from full-time employment) you may benefit from knowing about a strategy which can be both financially and emotionally beneficial; move from Company Pension to PRSAs. While certainly not a strategy that will be beneficial to everyone, in the right scenario, it can be very much so. This is very different to the more common strategy of moving your Company Pension to a Personal Retirement Bond (PRB/BOB) when you leave a company - which doesn't change anything materially from a strategy/planning perspective.

Hope you are well, hope all is good. We are back with part 2 of our listener's journey with William Lacey. In the first episode, 214, William and I chatted about where he's at, why he's doing this particular episode, and series with us as he transitions out of full-time employment. He shares his concerns, his hopes, considerations, how it applies to him, and how his thinking and planning evolved over time. And I'm sharing it because it's a very relevant topic and it's interesting to see a live test case, so to speak, evolve in front of our eyes and share that with you dear listeners.