Rephonic
Artwork for Informed Decisions: Ireland's Independent Retirement Planning Podcast

Informed Decisions: Ireland's Independent Retirement Planning Podcast

Paddy Delaney, QFA RPA APA | Independent Retirement Planner, Ireland
Retirement Planning
Financial Planning
Ireland
Pensions
Investment Strategies
Tax Planning
S&P 500
Enduring Power Of Attorney
Market Volatility
State Pension
Standard Fund Threshold
Financial Advice
Investment Management
Bonds
Inflation
United States
Inheritance Tax
Retirement
ARF Income
Risk Of Ruin

Informed Decisions is Ireland's award-winning podcast on pensions, retirement planning and financial planning, hosted by Paddy Delaney. Paddy, founder of Informed Decisions, is one of a small number of retirement planners in Ireland who work on a genuinely fee-only basis: no commission from any product provider, no products sold, and nobody but the client paying for the advice. If you are within t... more

PublishesWeeklyEpisodes394Founded10 years ago
Number of ListenersCategories
InvestingBusinessEducation

Listen to this Podcast

Artwork for Informed Decisions: Ireland's Independent Retirement Planning Podcast

Latest Episodes

The Prize Bond prize fund rate rose from 1.00% to 1.50% this month, the first State Savings increase in about three years. Almost every write-up has described that 1.5% as a return. It is not one. It is the size of the prize pool spread across the wh... more

Inheritance tax in Ireland is charged at 33% on anything above €400,000 passing from a parent to a child. The question most families never properly work through is whether to move assets during their lifetime or leave them until the end. And that dec... more

Should you retire with the market at an all-time high? In Ireland, the record level feels dangerous, but it is not the risk that decides your outcome.

In this episode, Paddy asks whether retiring at an all-time high is really the risk Irish savers ... more

Your Irish pension plan probably runs to age 95, but you'll likely live to around 83, and the gap changes your pot far less than you'd expect.

In this episode, Paddy digs into the retirement life expactancy in Ireland. He checks on the one age assu... more

Key Facts

Contact Information
Podcast Host
Number of Listeners
Find out how many people listen to this podcast per episode and each month.

Similar Podcasts

People also subscribe to these shows.

Better With Money
Better With MoneyThe Irish Times
Money Talks
Money TalksIrish Independent
Inside Business with Ciaran Hancock
Inside Business with Ciaran HancockInside Business with Ciaran Hancock
Ask About Wealth
Ask About WealthAsk About Wealth
The Irish FIRE Podcast
The Irish FIRE PodcastMichael Houghton

Recent Guests

Mairéad Hennessy
Tax consultant specializing in inheritance tax and estate planning at Taxkey.ie
Taxkey.ie
Episode: Inheritance Tax in Ireland: Gift Now or Leave It? - with Mairéad Hennessy from Taxkey.ie
Denise Charlton
CEO of Community Foundation Ireland
Community Foundation Ireland
Episode: Strategic Giving - Philanthropy in Ireland: A Conversation With Community Foundation CEO, Denise Charlton
Áine Flynn
Director of Ireland's Decision Support Services
Decision Support Service, Ireland
Episode: Enduring Power of Attorney in Ireland With Áine Flynn: Who Can Act If You Can't?
Ben Carlson
Director at Ritholtz Wealth Management; author of Risk and Reward
Ritholtz Wealth Management
Episode: Risk and Reward in Retirement: What Ben Carlson's Research Means for Irish Investors - Interview
Aaron McGelegate
Financial Power Planner, supports the team on portfolios and master plans
Informed Decisions
Episode: The Silent Thief: What Inflation Is Doing to Your Cash Savings in Ireland
Michael Houghton
Frequent contributor and journalist focused on financial independence and property investing
Irish Fire Podcast, The Independent
Episode: Financial Independence, Property, and the Reality of Retirement with Michael Houghton
Elaine Byrne
Solicitor specializing in trusts and wills
Elaine Byrne Solicitors
Episode: Who Looks After Them When You Can't? Trusts & Wills with Elaine Byrne
Brendan Allen
Chartered Accountant and Tax Advisor specializing in landlord tax and property taxes.
landlordtaxreturns.ie
Episode: Irish Landlord Tax & Tenancy Changes 2026: Expert Guide for Property Investors
Dan Haylett
Retirement coach and founder of Humans vs Retirement
Humans vs Retirement
Episode: The Most Dangerous Day in Retirement with Dan Haylett

Host

Paddy Delaney
Host of the show, Independent Investment & Retirement Planner in Ireland

Reviews

4.9 out of 5 stars from 248 ratings
  • This is the Carlsberg of financial planning podcasts.

    Whether you are starting out in employment, are midstream, about to retire or have retired, listen through Paddy’s episodes. They are an outstanding resource and it’s hard to over-state their value in giving an honest, professional and unbiased steer on planning your financial future. There are a lot of ‘financial advisors’ hanging up a nameplate and waiting out there in the long grass, for the unwary investor. Listen to these podcasts, and you’ll have no difficulty in identifying them. Well don... more

    Apple Podcasts
    5
    Gravel Biker
    Ireland4 months ago
  • Irelands No 1 Financial Podcast IMO

    Hi Paddy have been listening to your fantastic content for a number of years now. Keep up the good work.

    Apple Podcasts
    5
    Limk&Leeds
    Irelanda year ago
  • Parkrun

    Paddy your right partaking in parkrun is great for your mind and body but not just running/ walking the 5km but also the very necessary role of volunteering please let people know no volunteers = no parkrun

    Apple Podcasts
    5
    Tugging7385,
    Ireland2 years ago
  • Very informative financial planning podcast

    Lots of great detail on Irish and wider financial planning issues.

    Great guests too.

    Apple Podcasts
    5
    Big boy85zctuh
    Ireland3 years ago
  • The best Irish (if not global) retirement investment podcast.

    So glad I stumbled across this podcast. The two podcasts on how so called independent financial advisers accrue their fees, and how pension fund lifestyling is potentially a sleepwalk into dire fund returns were two of the best analyses I have listened to yet. The opinions resonate with my own views on low cost, passive investing as a core feature of my investing.

    Keep on producing this great podcast.

    Colin.

    Apple Podcasts
    5
    Colin G B
    Ireland3 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Clear, accessible explanations of complex pension rules and taxes.
Consistently helpful for planning near retirement with real-world examples.
High-quality guests and actionable takeaways for listeners.
Independent, fee-only approach is refreshing and trustworthy.
Excellent Irish-focused retirement guidance with practical strategies.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#244
Italy/Business/Investing
Apple Podcasts
#4
Ireland/Business/Investing
Apple Podcasts
#12
Ireland/Business
Apple Podcasts
#231
New Zealand/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

Inheritance Tax in Ireland: Gift Now or Leave It? - with Mairéad Hennessy from Taxkey.ie
Q: When should someone consider a will in relation to gifting or lifetime transfers?
Have a will in place first to reflect the intended transfers, then model lifetimes gifts and potential tax outcomes before finalizing legal documents.
Inheritance Tax in Ireland: Gift Now or Leave It? - with Mairéad Hennessy from Taxkey.ie
Q: Why is it important to start with what the client wants to achieve, not just the tax opportunities?
Because the optimal plan balances tax reliefs with the client's real needs, including assets, beneficiaries, and the family's future, and then aligns those goals with tax-efficient steps.
Strategic Giving - Philanthropy in Ireland: A Conversation With Community Foundation CEO, Denise Charlton
Q: Where can someone go to learn more or get in touch to explore this further?
They can visit communityfoundation.ie to learn about offers, contacts, and how to start a conversation; Paddy and the team typically begin with a casual meeting to explore scale, interests, and motivation before outlining next steps.
Strategic Giving - Philanthropy in Ireland: A Conversation With Community Foundation CEO, Denise Charlton
Q: What is the difference between a donor-advised fund approach and broader strategic philanthropy, and is one more effective at moving the dial?
Both approaches have value. Donor-advised funds provide a structured, well-governed pathway with due diligence, reporting, and a clear mechanism for ongoing impact, while broader strategic philanthropy may be more flexible or directly engage with particular causes. The foundation can manage the structure and oversight to maximize impact and transparency.
Strategic Giving - Philanthropy in Ireland: A Conversation With Community Foundation CEO, Denise Charlton
Q: What is the entry point for starting a fund with Community Foundation Ireland, and who could consider this in practical terms?
The entry point is about 25,000 to 50,000, though some contribute smaller amounts to test the waters. This setup lets donors begin philanthropy, assess the experience, and scale over time as they see impact and gain comfort with the process.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About This Podcast

What is This Podcast about and what kind of topics does it cover?

A practical, Irish-focused retirement and pension podcast led by a fee-only adviser. Episodes tackle real-life scenarios, tax rules, and drawdown strategies for those nearing or in retirement, with a heavy emphasis on ARFs, PRSAs, and pension structures in Ireland. The host combines clear explanations with case studies, offering actionable steps and a strong stance against opaque, high-commission products. Unique strengths include transparent fee-only guidance, accessible breakdowns of complex Irish pension rules, and a steady stream of real-world planning advice tailored to professionals and business owners in Ireland who are navigating retirement decisions.

Listeners are likely drawn to reliable, no-nonsense financial education that dire... more

Where can I find podcast stats for this podcast?

Rephonic provides a wide range of podcast stats for this podcast. We scanned the web and collated all of the information that we could find in our comprehensive podcast database. See how many people listen to this podcast and access YouTube viewership numbers, download stats, audience demographics, chart rankings, ratings, reviews and more.

How many listeners does this podcast get?

Rephonic provides a full set of podcast information for four million podcasts, including the number of listeners. View further listenership figures for this podcast, including podcast download numbers and subscriber numbers, so you can make better decisions about which podcasts to sponsor or be a guest on. You will need to upgrade your account to access this premium data.

What are the audience demographics for this podcast?

Rephonic provides comprehensive predictive audience data for this podcast, including gender skew, age, country, political leaning, income, professions, education level, and interests. You can access these listener demographics by upgrading your account.

How many subscribers and views does this podcast have?

To see how many followers or subscribers this podcast has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

Which podcasts are similar to this podcast?

These podcasts share a similar audience with this podcast:

1. Better With Money
2. Money Talks
3. Inside Business with Ciaran Hancock
4. Ask About Wealth
5. The Irish FIRE Podcast

How many episodes of this podcast are there?

this podcast launched 10 years ago and published 394 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact this podcast?

Our systems regularly scour the web to find email addresses and social media links for this podcast. We scanned the web and collated all of the contact information that we could find in our podcast database. But in the unlikely event that you can't find what you're looking for, our concierge service lets you request our research team to source better contacts for you.

Where can I see ratings and reviews for this podcast?

Rephonic pulls ratings and reviews for this podcast from multiple sources, including Spotify, Apple Podcasts, Castbox, and Podcast Addict.

View all the reviews in one place instead of visiting each platform individually and use this information to decide if a show is worth pitching or not.

How do I access podcast episode transcripts for this podcast?

Rephonic provides full transcripts for episodes of this podcast. Search within each transcript for your keywords, whether they be topics, brands or people, and figure out if it's worth pitching as a guest or sponsor. You can even set-up alerts to get notified when your keywords are mentioned.

What guests have appeared on this podcast?

Recent guests on this podcast include:

1. Mairéad Hennessy
2. Denise Charlton
3. Áine Flynn
4. Ben Carlson
5. Aaron McGelegate
6. Michael Houghton
7. Elaine Byrne
8. Brendan Allen

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

Find and pitch the right podcasts

We help savvy brands, marketers and PR professionals to find the right podcasts for any topic or niche. Get the data and contacts you need to pitch podcasts at scale and turn listeners into customers.
Try it free for 7 days