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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
Retirement
ARF Income
Risk Of Ruin
Pension Investment Strategies

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

PublishesWeeklyEpisodes392Founded10 years ago
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InvestingBusinessEducation

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

Latest Episodes

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

If you hold an Irish pension or an ARF invested in a global equity index fund, you have almost certainly been told you are diversified: Thousands of companies, dozens of countries, one fund, job done. And it is true: your global index fund really doe... more

Turning 60 with a significant pension pot and nothing forcing your hand? This episode is a worked case study on the pension lump sum decision at 60 in Ireland: Take the tax-free lump sum now, or leave the fund invested and revisit it at 65.

Paddy g... more

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Recent Guests

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
Scott Ashmore
Co-founder at Shuttle Platform
Shuttle Platform
Episode: Venture Capital and Private Market Investing with Rob and Scott

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
    Ireland3 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
    Ireland10 months 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.

Spotify
#189
Ireland/Trending
Apple Podcasts
#3
Ireland/Business/Investing
Apple Podcasts
#10
Ireland/Business
Apple Podcasts
#225
Belgium/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

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.
Who Looks After Them When You Can't? Trusts & Wills with Elaine Byrne
Q: How does taxation affect discretionary trusts and when is the tax charged?
Tax on discretionary trusts is typically 6% on establishment and 1% per year, with exemptions in cases involving additional needs where a doctor's letter can support the exemption; taxes are generally triggered at the point the beneficiary reaches the specified age or as distributions occur.
Who Looks After Them When You Can't? Trusts & Wills with Elaine Byrne
Q: What are the different types of trusts and when would you use them?
Elaine explains fixed trusts for lifetime rights with a clear remainder, and discretionary trusts as the more flexible option to adapt to children's varying needs and changing future costs, such as education or healthcare, while keeping assets out of direct ownership to protect means-tested benefits.

Audience Metrics

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

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Gender Skew
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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

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These podcasts share a similar audience with this podcast:

1. Better With Money
2. Money Talks
3. Understanding Money with Eoin McGee
4. Inside Business with Ciaran Hancock
5. The Other Hand

How many episodes of this podcast are there?

this podcast launched 10 years ago and published 392 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on this podcast?

Recent guests on this podcast include:

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

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