In this week’s episode, I chat with Dan Cooper, CEO of ROC Investments, about investing in the character of CEOs of large cap companies.

• What return on character as an ETF means
• How this ETF came about and how it is implemented
• How ROC Investments are trying to deliver returns in excess of the benchmark for investors in their ETF
• How they are trying to drive positive change within corporations
• The long-term goals of this EFT

I hope you find the conversation interesting and helpful.

Thanks

ROC Investments

Book Recommendations:

Shantaram

Return on Character

'Safe' Investment funds in Ireland are drowning in the past year, much to the surprise of many investors. In this short piece, you will learn:

• How 'Safe' and Conservative Investment Funds are performing
• Why 'Safe' Funds are suffering badly
• What you can do to improve things for yourself

Thanks

In this week’s podcast, Paddy talks to Jordan Grumet, a.k.a. Doc G. Jordan is a Hospice doctor who found a passion for personal finance, public speaking, and finding purpose in life.

Jordan's experience working with patients in end of life care brings a really unique, insightful and interesting perspective to living a life with no regrets.

Key topics we cover:

- What is important to you

- What he has learned from hospice patients about life regrets

- Financial independence

- Finding what's important to you

- Discovering what your identity really is

I hope it helps

Thanks

Jordan's podcast - Earn & Invest

Jordan Grumet.com

Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life

The White Coat Investor: A Doctor's Guide to Personal Finance and Investing by James M. Dahle MD

The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins

This week's podcast tackles 8 of the most common financial mistakes retirees make.

• Be prepared for retirement lifestyle changes
• Have a plan in place for elder care
• Understand how Income Tax works in retirement
• Don’t forget about inflation (kinda hard not at the moment!)
• Stay active and socialise
• Don’t delay retirement planning
• Test your retirement lifestyle before retiring
• Make a plan for any debt, or gifting

I hope it helps.

If you are a soon-to-be-retiree, or an already-retiree, you may well be grasped with fear in times like these.

In three short parts, I will outline where we are in the greater scheme of things.

• Where exactly are we now?
• What we know
• When will markets recover?

I hope it helps

Paddy

This week, I’m bringing you an interview with Santi Burridge, who is the CEO of what’s going to be a very impactful company, I believe in the world of financial planning and financial advice. I met and interviewed Santi at the Future Proof Festival two weeks ago in Los Angeles.

Santi is a great guest, full of energy and who is driving forward. He is here to share what they're doing with Lumiant by bringing value based financial advice to the world and ultimately helping people to live their best life. 

He also talks about what has happened to financial advice in general in Australia, which has followed a similar track to the UK and America. And probably a tract that Ireland is heading down in the future. 

We also speak about the non-financial spouse. Those people who quite often get left behind by financial advisors and why they are people that we need to engage.

I hope you enjoy the conversation. 

Lumiant

The Knowledge Project: #142 Marshall Goldsmith: The Essentials Of Leadership

Are we seeing the death of ESG Investments in Ireland, before they even got off the ground? 

In this piece, I'm going to share a little bit about what's happening in other parts of the world with regard to ESG investing and explore what options we do have here in Ireland. 

It's an interesting topic and it's one I'm not fully decided on yet; as will become clear.

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:

1. It’s a really timely reminder of when things aren’t going so well in terms of our pension and our investment values
2. 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

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