This week I take a look at Pension Adjustment Orders.

Pension Adjustment Orders are things that none of us probably anticipate we need to know about, until we do. This week I will share the following, in the hope that it might help you or a loved-one;

• What is a Pension Adjustment Order?
• What type of pension benefits does it apply to?
• What is a Contingent Benefits Order?
• How do you divide or split the pension benefits following a PAO?

I hope it helps.

In this week's podcast, I take a look at lump sum invested vs dollar cost averages €1m in Ireland.

Key topic points:

• Pros and cons of Lump Sum Investing and Dollar Cost Averaging
• A 'look-back' to see which has been most profitable for €1m invested in Ireland
• A look-forward to see which might be most profitable in future
• Investing when markets are deemed to be 'High'
• My conclusion

I hope it helps!

In this week's podcast we have a fantastic, informative chat with awarding winning, international expat tax advisor, KPMG chartered accountant, and tax specialist, Stephanie Wickham.

Key topics include:

• Responsibilities for US Citizens living in Ireland (annual returns/pension income management/how to be compliant)
• Considerations for people who are retiring and thinking of spending time/large portions of the year in Portugal/Spain/Non-Eu
• Tax domicile
• Non property assets

I hope it helps.

Expat Taxes

No Rules Rules: Netflix and the Culture of Reinvention

In this week's podcast I talk about Guardrails for Irish retirees.

One of the big questions I hear from clients heading into their 'next chapter' (blissful retirement!) is: how much can I actually spend each year without running out of money?

It's a great question – and one that deserves a well-thought-out answer. As financial advisors, it's part of our job to help you figure that out, and there are a few different ways we can go about it.

• Take what Revenue tells you to!
• OR
• Take a dynamic approach each year, to try optimise your income and legacy

I hope it helps!

This week I share a short piece with you to help prepare for relevant (potential) changes in the upcoming Budget. What we'll all want to avoid is seeing a change come into effect that we could have seen coming, and that we could regret not having taken action on! We want to avoid regret, so lets not look back in anger - I heard you say! I'll touch on;

• PRSA changes and limits to contributions
• Inheritance changes
• Pension pot size changes

I hope it helps.

In this week's podcast we talk about what's happening with bonds and why you should care.

Over the past two years, we've seen dramatic shifts in the bond markets. Lots of investors and pension holders in Ireland have often large swathes of Bond Funds within their investment and pension portfolios. But often have never had clarity on what they are or why they move around a bit!

It's been a bit of a rollercoaster, to put it mildly.

I hope it helps.

In this week's podcast, I cover a topic that I did a couple of years ago. FET is still an issue that I believe awareness is still not as wide as it should be.

Potential Federal Estate Tax (FET) on US-based assets is critical for for us all to be aware of, and is often unknown. If you have more than $60k worth of assets domiciled in the USA, could this be a lurking menace in your wealth??

There are a huge number of people here in Ireland, c20,000 in the top 5 US companies alone, who are receiving US stock options and who therefore own US assets.

I hope this helps.

This week's podcast was a difficult one to do, and I'm still not sure if it's appropriate or not for this space, but my intent is to look for the positives, and to be reminded of a few key principles, financial and non-financial. I hope it helps, both you and I!

For those looking to pass on wealth while trying to simultaneously reduce tax on the proceeds, Section 73 investment plans offer a potential solution. These plans are specifically designed and sold to try manage Capital Acquisitions Tax (CAT) liabilities on gifts, and to provide a potentially tax-efficient way to transfer assets to loved-ones. But do they work? Lets explore!

• What are they
• How do they work
• What do they 'cost'
• What the commissions are like
• Specific scenario testing

I hope it helps.

Paddy Delaney QFA RPA

• PAYE taxes as an employee and what you should consider

• Landlord tax planning

• How to find a good accountant, what to look for

• Business owners, limited companies, sole traders

• Pension contributions vs not

• Taxes - Personal tax credits, tax bands, capital gains tax, and exit tax

Harry Potter