HeyJaredInformed Decisions Independent Financial Planning & Money Podcast
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…
- Indexed episodes, last 90 days
- 13
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- Sep 28, 2026
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- Jul 6, 2026
Latest episodes
Before You Retire in Ireland: 5 Decisions You Can't Undo (opens the original)
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It's good to know which decisions can never be undone, before you retire in Ireland. Most of a pre-retirement checklist can be changed next year. Four or five items cannot. In this episode Paddy Delaney, independent retirement and investment planner, takes them door by door: the €200,000 lifetime limit on tax-free lump sums, the annuity decision, the tax year you crystallise near the Standard Fund Threshold, the pension tax relief that stops with your last payslip, and the order you do it all in
Trust in Financial Advice: Why Ireland Scores 49 Out of 100 (opens the original)
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Trust in financial services in Ireland sits at 49%, against a global average of 63%. Paddy Delaney goes through the 2026 Edelman Trust Barometer research on financial services, where Ireland ranks, and what sits behind the number. Edelman surveyed almost 34,000 people across 28 countries and publishes a separate report on financial services. Ireland comes in 23rd of 28, inside the distrust band, below the developed-economy average of 53% and well below the global figure. In this episode, Paddy g
Prize Bonds Ireland: What the New 1.5% Rate Actually Pays You (opens the original)
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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 whole €4.4 billion in issue, and what an individual holder receives is decided by a draw. In this Episode, Paddy works through the NTMA's own published figures and puts a realistic number on what Prize Bonds are actually worth to a normal holding, then
Inheritance Tax in Ireland: Gift Now or Leave It? - with Mairéad Hennessy from Taxkey.ie (opens the original)
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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 decision changes the bill, the timing, and who ends up paying it. Paddy is joined by Mairéad Hennessy of Taxkey, a firm of independent tax consultants, for a practical conversation about passing wealth on in Ireland. What you'll learn in this episode: •
Should You Retire at a Market All-Time High? Sequence Risk & the Irish ARF (opens the original)
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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 fear, or whether the thing that decides your outcome is something else entirely. What you'll learn: • Why all-time highs are common, not a warning: global equities sit at or near record highs on roughly a third of trading days • What Japan's lost decad
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