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Artwork for Informed Decisions Independent Financial Planning & Money Podcast

Informed Decisions Independent Financial Planning & Money Podcast

Paddy Delaney (Parent, Educator, Qualified Planner & Executive Coach)
Retirement Planning
Financial Planning
Investment Strategies
Ireland
Tax Planning
Pensions
S&P 500
Market Volatility
Financial Advice
State Pension
ARF Income
Risk Of Ruin
Pension Investment Strategies
Enduring Power Of Attorney
Investment Management
Investment Strategy
Inflation
Financial Independence
Emerging Markets
Inheritance Tax

Take control of your financial future by joining us on Ireland's Independent & award-winning Investment & Retirement Planning Podcast, with Paddy Delaney (QFA RPA APA). Join Paddy & guests as they cut through the noise, nonsense and smoke-n-mirrors of financial services in Ireland. We want you to avoid costly mistakes and to make informed financial decisions in your investments and retirement plan... more

PublishesWeeklyEpisodes374Founded10 years ago
Number of ListenersCategories
EducationBusinessInvesting

Listen to this Podcast

Artwork for Informed Decisions Independent Financial Planning & Money Podcast

Latest Episodes

You've built a €2 million pension. Now here's the question nobody asked you: how much of it will you actually keep?

In this episode, Paddy runs the real numbers on what a €2 million ARF looks like in Ireland in 2026: mandatory drawdowns, income ta... more

In this week's episode, Paddy tackles the question he gets asked more than any other: how much do I actually need to retire in Ireland?

Well, for an answer to that question, one should make a proper calculation beforehand, and Paddy is here to help... more

In this week's podcast, Paddy talks about what a €1 million pension can actually generate in retirement—and why the headline number doesn't always match the reality of income.

• The tax-free lump sum explained You can take 25%, but only the first ... more

In this week's podcast, Paddy talks about why leaving your cash in a current or low-interest account is quietly costing you.

• Your savings could earn more Demand deposit accounts now offer around 2% and fixed-term options near 3%, so idle cash l... more

Key Facts

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

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People also subscribe to these shows.

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Recent Guests

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
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
Rob Halligan
Co-founder at Shuttle Platform
Shuttle Platform
Episode: Venture Capital and Private Market Investing with Rob and Scott
Dr. Daniel Crosby
Licensed psychologist and behavioral finance expert, author of "The Soul of Wealth"
No affiliation mentioned
Episode: 8 Years Later! The Soul of Wealth with Dr. Daniel Crosby
Glenn Gaughran
Director of Independent Trustee Company with significant experience in pension schemes
Independent Trustee Company
Episode: 'Your Best PRSA & Master Trust Options' - with Glenn Gaughran
Dr. Gregg Lunceford
US-based retirement expert and practicing wealth advisor
Messero
Episode: Exit from Work: Redefining Retirement with Dr. Gregg Lunceford

Host

Paddy Delaney
Host of Informed Decisions Podcast

Reviews

4.9 out of 5 stars from 242 ratings
  • 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
    Ireland6 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
    Ireland2 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
  • Top-class podcast regarding finance in Ireland.

    What a great relaxed style, the host has. Not rushing to get to the next point, not having to prove how smart he is. Keep up the good work.

    Apple Podcasts
    5
    doc hollywood 5
    Ireland3 years ago

Listeners Say

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

Many reviews highlight the usefulness of real-world examples and clear explanations of complex pension and tax topics.
Listeners praise the host's approachable style and practical, Irish-focused financial guidance.
Audience consistently notes the quality of guests and the podcast's independence from product-selling narratives.

Chart Rankings

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

Apple Podcasts
#3
Ireland/Business/Investing
Apple Podcasts
#9
Ireland/Business
Apple Podcasts
#217
Saudi Arabia/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

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.
8 Years Later! The Soul of Wealth with Dr. Daniel Crosby
Q: What are some practical steps to improve financial decision-making?
Design an environment where good choices are easy and bad choices are difficult, such as automating savings.
8 Years Later! The Soul of Wealth with Dr. Daniel Crosby
Q: What is the relationship between money and happiness?
Low levels of wealth can bring misery, but spending money on experiences and community enhances happiness.
8 Years Later! The Soul of Wealth with Dr. Daniel Crosby
Q: How has behavioral finance evolved in the financial planning industry?
Behavioral finance has become more accepted and integrated into financial advising, with increasing awareness and education among investors.

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?

Listeners are drawn to practical, Irish-focused personal finance and retirement guidance, with a steady stream of episodes exploring trusts, wills, pensions, tax changes, and retirement planning. The show consistently features accessible explanations of complex topics—often illustrated with real-world scenarios and guest expertise—while maintaining an approachable, no-jargon tone. Noteworthy is the emphasis on Irish tax rules, pension options (ARFs, annuities, PRSAs), and governance changes, which makes it a valuable resource for individuals planning their finances, as well as professionals seeking clear, actionable content. Potential sponsors and guests may find the audience tends to be financially literate, planning-oriented, and interest... more

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Which podcasts are similar to this podcast?

These podcasts share a similar audience with this podcast:

1. Better With Money
2. Inside Business with Ciaran Hancock
3. The Other Hand
4. Ask About Wealth
5. The David McWilliams Podcast

How many episodes of this podcast are there?

this podcast launched 10 years ago and published 374 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. Aaron McGelegate
2. Michael Houghton
3. Elaine Byrne
4. Dan Haylett
5. Scott Ashmore
6. Rob Halligan
7. Dr. Daniel Crosby
8. Glenn Gaughran

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