Ask About Wealth

Start Your Financial Plan - https://askaboutwealth.ie/consultancy

Forget generic figures like "€1 million". Your number depends on being able to answer 5 core questions discussed in this episode. Get these five right, and you have a real target to plan towards.

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For a 1:1 Consultation - https://askaboutwealth.ie/consultancy

Revenue says Irish taxpayers are leaving between €400 and €600 million unclaimed every year. In this episode, I break down the five biggest mistakes I see high earners making, and what to do about each one.

00:00 The Tax Gap

00:52 Pensions vs Mortgage Repayment vs Investing

03:25 Accountants vs Tax Planning

06:23 When to Go Limited

09:43 Estate Planning

12:50 Review The Plan

14:23 Next Steps

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If you would like to get in touch with Sean and his team, you can request an introduction here:

https://askaboutwealth.ie/professionals/mortgage-brokers

In this episode of the Ask About Wealth Podcast, we break down how the Irish mortgage market really works and what borrowers need to know in 2026.

From first-time buyers to switchers and investors, this conversation covers the practical realities behind getting approved, choosing the right lender, and avoiding costly mistakes.

In this episode, we discuss:

- Why using a mortgage broker can give you access to the full market and better outcomes

- The key differences between PAYE, self-employed, and expat mortgage applications

- The hidden costs of a mortgage beyond the interest rate (insurance, fees, structure)

- When and why you should review or switch your mortgage and how much you could save

We also explore how lenders assess income, why limited companies can increase borrowing power, and what current market conditions could mean for interest rates. If you have a mortgage, are planning to buy, or simply want to understand how lending really works in Ireland, this episode will give you a clearer picture of your options.

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Free Tools, Report & Broker Introduction Here - https://linktr.ee/ask.about.property

Most Irish property buyers use mortgages but often miss steps that could save money and improve long-term wealth. This episode shares an eight-step checklist that will help you make the right decisions every step of the way.

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Book a 1:1 Consultation and Financial Plan with Paul - https://askaboutwealth.ie/consultancy

This week, Paul sits down with Shane O' Neill from Swissquote to unpack how custody fees quietly erode your wealth, what a transparent trading fee actually looks like, and how a Lombard loan lets you access cash from your portfolio without selling up or triggering a tax bill.

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Book a 1:1 Consultation and Financial Plan with Paul - https://askaboutwealth.ie/consultancy

Trust funds separate ownership from control and can help protect young or special-needs beneficiaries, keep assets managed responsibly, and support inheritance-tax planning.

The episode compares fixed trusts with discretionary trusts, explains will trusts, and highlights key insights, like capital gains tax on lifetime transfers, CGT uplift on death, and how transferring a home may avoid CGT and affect “Fair Deal” planning.

00:00 Trust Funds Explained

00:52 Why Use a Trust

01:47 Fixed Trust Basics

02:58 Special Needs Planning

05:29 Fixed Trust Tax Perks

06:21 Discretionary Trust

08:09 Trustee Incentives Warning

09:29 Discretion Benefits

10:18 Will Trusts

12:09 Cautions and Tax Traps

13:11 Home Transfers and Fair Deal

14:36 Final Takeaways

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Book a 1:1 Consultation & Financial Plan With Paul:

https://askaboutwealth.ie/consultancy

In this episode of the Ask About Wealth Podcast, Paul speaks with Eoghan O’Hara, Country Head for Raisin Ireland. They discuss why Irish household deposits earn very low interest, and the opportunity presented by the EU-wide deposit guarantee protection.

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Book a 1:1 Consultation & Financial Plan With Paul:

https://askaboutwealth.ie/consultancy

In this episode, we break down why inheritance tax can result in the same wealth being taxed twice, and why doing nothing is often the most expensive option of all.

We cover:

- Why inheritance tax can wipe out over 33% of a family estate, even after a lifetime of income and capital taxes

- The key reasons to consider gifting assets during your lifetime, including protecting today’s thresholds and future growth

- How control can be retained using trusts and family partnerships, while still reducing tax

- Other powerful planning tools, including familial allowances, exempt assets, and Fair Deal planning

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Book a 1:1 Consultation & Financial Plan With Paul:

https://askaboutwealth.ie/consultancy

Get a Free Mortgage Broker Consultation Here:

https://www.askaboutproperty.ie/broker-consultation

You can get in contact with Ray here:

https://raycooke.ie/

This week, Paul is joined by Ray Cooke, CEO of Ray Cooke Auctioneers, to share what he is seeing on the ground in the Irish property market as we move through 2026.

In this episode, we discuss:

- Why are good properties selling quickly, and what buyers must have to be ready

- The reality of supply and demand, and why stock exists but still feels scarce

- Why landlords are leaving the market and what that means for rents and tenants

- Residential vs commercial property, yield expectations, and how investors should think about risk

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Book a 1:1 Consultation & Financial Plan With Paul:

https://askaboutwealth.ie/consultancy

You can get in touch with Graham here:

https://hanlonandco.com/

In this episode of the Ask About Wealth podcast, we are joined by Graham Hanlon, a seasoned solicitor with over 30 years of experience. The discussion covers essential topics in financial planning, including the intricacies of probate law, the validity and impact of prenuptial agreements, and the importance of business agreements.

Gain valuable insight into managing wealth and the legal planning involved.

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