Informed Decisions Independent Financial Planning & Money Podcast

If you are looking for Independent voice on Investing, Retirement Planning & Financial Planning Podcast in Ireland, you may have just found it! Join me, Paddy Delaney as we talk straight and steer you towards a better financial future. Take control of your financial future and develop successful habits with your money. Join Paddy Delaney on Ireland's award-winning Personal Finance & Financial Planning Podcast & Blog. He aims to cuts through the sometimes confusing jargon of financial products and services, to help you make informed financial decisions, for you........No nonsense, straight up fact, and a little bit of a laugh at the same time! The Podcast is on a mission to enable it's listeners provide themselves with better financial futures, and ultimately to make a positive difference in the lives of listeners. Thanks so much for checking out the show! You can get in touch by email: Paddy Delaney Qualified Financial Advisor Qualified Retirement Planning Advisor Qualified General Insurance Practitioner Qualified Executive Coach
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Informed Decisions Independent Financial Planning & Money Podcast








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May 29, 2023

Like any individual in any profession, every Financial Advisor will have different strengths and weaknesses. They each have different skill sets. None of them are perfect, and I include myself in that!

In this short piece, I will delve into the importance of what financial advisors can do with and for their clients, even though many clients receiving said advice might not immediately recognise what they are actually helping them do, achieve and avoid!

Key Points

  • Avoiding fear-mongering
  • Personalising the approach
  • Keep investors on course, in 'good' and 'bad' times
  • Taking time to provide the correct answer for you

May 22, 2023

This week we have something a little different. We recently hosted a webinar with Pension and Revenue expert Clive Slattery. If you missed the webinar, here is the audio, which I hope you find helpful.

Clive will talk about recent PRSA changes.

- The implications for PAYE & Business Owners
- How & Why these changes have come about
- The significant tax opportunity that exists


PRSAs are relevant to most people as it is a pension that anyone can start.



Sunday Times Article

May 15, 2023

What happens to my pension benefits if I suffer a death in service? (die while being an employee and a member of the company pension scheme!).


On a regular basis, we help clients to manage their pension planning, so as to avoid potential pitfalls in this area. Reason being, it has the potential to have a hugely negative impact on one's financial future.

What you'll learn:

  • How Personal Pension assets are treated on death (with simple example!)
  • How Company Pension assets are treated on death (with worked example)
  • How you can plan around the current rules for pensions in death in service

I hope it helps

May 8, 2023

This week we are joined by William Lacey who we followed on his transition to retirement in a series of podcasts.

William talks about the lessons he has learned from his journey and the key things he would do if he were to transition to retirement again.

The goal is to hopefully, by sharing his experiences help others that are on their retirement journey.

I hope it helps

Apr 24, 2023

This week I talk about Estate Planning; what to think about and what is important.

While it might not be a topic that gets you all revved up, Estate Planning is considered to be a key aspect of managing one's long-term personal finances, regardless of how simple or complex their financial situation. 


Key Estate Planning Points

  • Make use of the small gift exemption to the max you can
  • Ensure you have a will in place
  • Is section 72 really a good idea
  • Estate planning is an essential part of your financial plan
  • Things to consider, if Estate Planning is on your mind

I hope it helps.

Apr 17, 2023

Even subconsciously, the question surely pops into most people's heads; "Why Do I Need A Will?"

Given that a large percentage of the human race is reluctant to take action now that will benefit their future self, it is no surprise to hear that the majority of people in Ireland haven't made a Will (which will benefit their heirs and loved ones, and not themselves!). The Farmer's Journal put that figure at 70% of Irish people do not have a Will as of 2022.

In this week's episode, in an effort to shift that needle, I will share with you 7 Important considerations in making a Will.

Mar 27, 2023

This week we bring you our first-ever Guest-Post, all about Entrepreneur Relief versus Pension Contributions. I will keep the author a surprise until the end of the piece (don't fast forward!), and it might indeed be a fairly big surprise when you do discover who wrote it!

  • Entrepreneur Relief Principles
  • Pension Contribution Watch-Outs
  • Comparison of the two approaches
  • A practical comparison of doing €1m on both

All I (Paddy) will say, is that I sure hope you don't like this style better than my own :).

Mar 13, 2023

This week I share 12 clear signs it's time to retire from your full-time job. Perhaps it is to start some new professional journey, a new personal journey, or a combination of both.

I share this piece in the hope that it will give you hope! Give you hope if you are on the cusp of retirement and doubting if you can or you can't. Give you hope if you are wondering if you are alone, mad, or simply wrong to retire. 

Key Takeaways

  • Your pension fund is healthy and can provide you with a comfortable retirement income
  • Your children are financially independent
  • 'Work' is incapable of giving you a sense of purpose
  • You want to spend more time with family and other interests
  • Your health is starting to suffer

I hope it helps.


Mar 6, 2023

If you have ever heard of Custom House Capital, Dolphin Trust, or Solar 21, you will know that Unregulated Investments in Ireland are commonplace and contentious.

I'm certainly not an expert on these types of products, but I know enough to realise that I wouldn't touch unregulated investments with my own money, never-mind someone who trusts me to mind theirs! So this week, I'll share with you:

  • What are Unregulated Investments
  • It's all about the money!
  • Do they go wrong?
  • How to spot if something is regulated or unregulated
  • Why you might consider some alternatives

This piece is being shared based on a suggestion from a long-term podcast listener, so thanks for the prompt!

Feb 27, 2023

This week Paddy chats with Jason Parker. Jason is the author of Sound Retirement Planning, the host of the Sound Retirement Radio podcast, a frequent guest on ABC, NBC and Fox, and the inventor of the Retirement Budget Calculator.

Key talking points:

  • Key things to know if you'll be ok in retirement
  • Retirement Budget Calculator
  • Retirement cashflow
  • What questions should you be asking about your money when you retire
  • Temporary safety vs. long-term strategy
  • Reinforcing your discipline and understanding
  • Bucket Strategy

I hope you enjoy the conversation.


RBC - Calculator (

New research shows the bucket strategy is better than previously thought. - RBC (

Retirement Calculator: How much money do I need to retire?: Parker, Jason R., Rounds, Hannah: 9798841614555: Books

Sound Retirement Planning: A retirement planning journey designed to achieve clarity, confidence & freedom.: Parker, Jason R.: 9781727749861: Books



Ryan Holiday – Discipline Is Destiny

Ryan Holiday – The Obstacle Is the Way

James Allen – As a Man Thinketh

Randy Alcorn – The Treasure Principle


Brian Buffini Podcast It's a Good Life on Apple Podcasts

Feb 20, 2023

Choosing a Financial Advisor in Ireland is not an easy task! There are many different types of advisors, operating in different ways, being remunerated differently, and all delivering different services. 

In this piece, I will share with you;

  • How to recognise the different types of financial advisors in Ireland
  • Why Financial Advisors are comparable to prostitutes, escorts and spouses!
  • How different types of advisors are paid for what they do
  • Why all Financial Advisors are not the same

I hope it helps.

Feb 13, 2023

In this episode, Paddy has a great chat with Paul Merriman from The Merriman Financial Education Foundation in the USA.

The foundation is dedicated to providing financial education to those of all ages.

Paul shares his wealth of knowledge from decades of experience from starting his own Merriman Wealth Management after retiring to setting up his foundation. 

Key topics covered:

  • Investing successfully
  • Equity asset classes
  • Emotions of Investing
  • Hardest thing about investing
  • Maths of investing
  • Follow the history

I hope you enjoy this insightful interview.



Merriman Financial Education Foundation Lifetime Investment Calculator - Paul Merriman

About Paul

Here are some helpful resources from The Merriman Financial Education Foundation:

Selecting of the appropriate amount of fixed income (Fine Tuning Your Asset Allocation)

Choosing the best fixed distribution asset allocation

Choosing the best flexible distribution asset allocation

Quilt charts

Investing for Children

The Merriman Financial Education Foundation

Free E-book from Paul - get it here We’re Talking Millions! 12 Ways to Supercharge Your Retirement or here Free E-book

Paul Merriman Podcast

Your Money and Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich by Jason Zweig - Paul's book recommendation

Jan 30, 2023

This week I bring you some facts, no metaphors, no story, just facts about recent and important pension changes in Ireland!

  • Important changes to PRSAs
  • Upcoming changes to UK State Pension benefits (applicable to all those in Ireland with some time accrued in HMRC UK State Pension)
  • Recent changes to Lump Sums from foreign pensions (including Malta etc.)


Jan 23, 2023

I estimate that there are approximately 100 people retiring today, and tomorrow etc. etc. Of these c100 people retiring each day of the week, some are really well prepared and will have a smooth journey.

However, others will be less prepared and so face a little more challenge and hurdles. My hope is that this piece will help a few to blow any hurdles out of their way with ease!

Jan 16, 2023

2022 was a testing investment year for many. Rather than jump headlong into 2023, let's take a few minutes to reflect and observe what we can learn from 2022! To me, there are 3 main investment lessons to be taken from last year:

  1. Inflation continues to be the real risk
  2. Diversification matters
  3. Embrace uncertainty

Dec 12, 2022

Welcome back to the latest Informed Decisions podcast: Transitioning from full time employment. This week we have William Lacey back to talk about his journey toward retirement.

We continue to talk about his progress, his thoughts, and his reflections on what he has learned since he began this journey with us in February 2022.


Zen Habits  – Leo Babauta

Die with Zero - Bill Perkins

Dr. Mark Hyman

Fritz Gilbert - The Bucket Strategy In A Bear Market - The Retirement Manifesto

Dec 5, 2022

Investing in Ireland can be like staring into a fog at the best of times, until now of course! You have stumbled upon the oracle which will clear that fog for you! In today's podcast I will talk about:

  • The 'best investments' Ireland offers
  • How you can get your hands on them!
  • Why all of this may be utter nonsense!

I hope it helps

Nov 28, 2022

You have decided to make a career change or take a redundancy offer but can’t help but ask, ‘what happens to my pension benefits?'.

When leaving your job, apart from the small matter of securing your financial future, what to do with your pension benefits is one of the most important things you need to consider. This can be especially so if you and your employer have been diligently contributing to your pension scheme for many years!

Key Points:

  • Beware 'Advisors' that tell you to move it, without due analysis to ensure it is best for you
  • You will have 3 main options for your pension benefits when leaving employment
  • You are entitled to an option statement after leaving, it's important to know what it means
  • If it is a good idea to combine multiple older pensions into one scheme

Nov 14, 2022

One of the biggest questions for people who are transitioning from full-time employment is ‘how does spending change in retirement?’. It is a difficult question to answer, but there is a lot of research out there, which points to some key takeaways.

  • Retirees can expect to spend less on food and clothing
  • You can expect to spend less on transportation in retirement
  • Expect healthcare costs to increase
  • Many retirees plan to spend more on gifting
  • More favourable tax rules apply to retirees
  • Expect your overall spending to remain broadly in line with current spending

I hope it helps.


Nov 7, 2022

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.





ROC Investments


Book Recommendations:



Return on Character


Oct 24, 2022

'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


Oct 17, 2022

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



Jordan's podcast - Earn & Invest


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


Oct 10, 2022

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.


Oct 3, 2022

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


Sep 26, 2022

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. 



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

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