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Ask About Wealth

Ireland’s Financial Guide For High Earners. Subscribe to the Ask About Wealth podcast to stay up to date on what matters when it comes to turning your income into wealth and navigating the Irish financial system.

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August 12 · 43 min
How to Build Wealth Through the Stock Market
For a 1:1 Consultation With Paul - https://askaboutwealth.ie/consultancy In this episode, Paul is joined by Emmet Savage, co-founder and Chief Investment Officer of MyWallSt, for a conversation about how ordinary people can build real wealth through the stock market. Emmet shares the framework he's refined over decades: what a stock looks like before hypergrowth, why you should never keep clipping your winners, why losses are simply part of the game, and why you need less than 1% of your waking hours to get started. To Get In Contact With Emmet: emmet@mywallst.com Hosted on Acast. See acast.com/privacy for more information.
June 24 · 14 min
Why Property Investing is Terrible For The Average Taxpayer
Book a one-to-one consultation with Paul - https://askaboutwealth.ie/consultancy In this episode, Paul walks through a real consult where an "8% rental yield" turned out to be a real return of just 1.33% once tax, costs and inflation were stripped out. The numbers don't lie, and the headline yield the seller quotes is rarely the return you actually get. In this episode, he covers how to turn property from a poor investment into a powerful one, including HMOs, buying inside your pension fund, interest-only loans, the capital allowances 95% of landlords never claim, and the corporate and local authority tenants most investors completely overlook. If you own a rental property, or you're thinking of buying one, this is the episode to watch before you do anything else. Hosted on Acast. See acast.com/privacy for more information.
June 17 · 14 min
How to Reduce Your Tax Bill to 0%
Book a one-to-one with Paul at https://askaboutwealth.ie/consultancy In this episode, Paul walks through a real-world example of how financial planning can lead to a massive reduction in the tax you pay. Paul explains the difference between a salesperson and a true planner, and how dovetailing reliefs can drop your effective tax rate to as low as 0%. He also covers why surplus cash on your company balance sheet is a hidden risk, how it can disqualify you from Entrepreneur and Retirement Relief. If you're a business owner, high earner or anyone with surplus income, this is the kind of planning the high-street market won't show you. Hosted on Acast. See acast.com/privacy for more information.
June 11 · 39 min
Over 75% Of People Are Paying Too Much For Health Insurance
For a 1:1 consultation with Paul - https://askaboutwealth.ie/consultancy This week, Paul hosts Ger Conalty, Head of Health Insurance Services at SYS, to explain that reviewing health insurance is about more than saving money, it’s about getting the right cover for your needs and life stage. Hosted on Acast. See acast.com/privacy for more information.
June 3 · 16 min
Where Should You Invest a Lump Sum?
For a 1:1 consultation and more - https://askaboutwealth.ie/consultancy In this episode Paul looks back at 10 years of returns across the four main asset classes and reveals why two of them actually lost money in real terms once inflation is stripped out. But the real question isn't "what's the best investment?". It's "what's the best investment for me?" Your age, timeframe, existing assets and tax position change the answer completely. And as always, tax is the silent killer of returns. Hosted on Acast. See acast.com/privacy for more information.
May 13 · 42 min
Leaving Ireland to Avoid Tax
Book a 1:1 consultation with Paul and more: https://askaboutwealth.ie/consultancy If you would like to get in touch with Steph you can do so here: Contact: https://expattaxes.ie/ Linkedin: https://www.linkedin.com/in/stephanie-wickham-b4aba13b/ In this weeks episode Paul talks to Steph Wickham, Expat Taxes Founder & Award-Winning International Expat Tax Specialist, about Irish tax for anyone moving to or from Ireland. We cover how residency, ordinary residency and domicile shape your tax exposure, the reach of ordinary residency after you leave, common myths around double tax agreements and much more. Hosted on Acast. See acast.com/privacy for more information.
May 6 · 15 min
How Much You Need To Retire Early
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. Hosted on Acast. See acast.com/privacy for more information.
April 15 · 14 min
The 5 Biggest Tax Mistakes Irish High Earners Make (And How to Fix Them)
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 Hosted on Acast. See acast.com/privacy for more information.
April 1 · 38 min
The Irish Mortgage Market: What Buyers, Switchers and Investors Need to Know
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. Hosted on Acast. See acast.com/privacy for more information.
March 18 · 13 min
Get the Best Property For Your Money: The Complete 8-Step Guide
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. Hosted on Acast. See acast.com/privacy for more information.
March 4 · 32 min
Borrowing Money Against Your Assets
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. Hosted on Acast. See acast.com/privacy for more information.
February 25 · 15 min
Trust Funds Are Not Just For The Rich and Famous
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 Hosted on Acast. See acast.com/privacy for more information.
February 18 · 34 min
How to Get a Better Return on Your Savings
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. Hosted on Acast. See acast.com/privacy for more information.
January 28 · 24 min
How to Stop the Irish State Taking 33% Inheritance Tax
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 Hosted on Acast. See acast.com/privacy for more information.
January 20 · 44 min
Irish Property in 2026: What Buyers, Sellers, and Investors Need to Know
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 Hosted on Acast. See acast.com/privacy for more information.
Dec 17, 2025 · 33 min
Legal Pitfalls in Business and Succession
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. Hosted on Acast. See acast.com/privacy for more information.
Dec 10, 2025 · 29 min
8 Things to Do Before 2026 to Reduce Taxes
Book a 1:1 Consultation & Financial Plan With Paul https://askaboutwealth.ie/consultancy In this episode, we provide a checklist of actions business owners and individuals can take before December 31, 2025, to maximise tax benefits. Key topics include clearing out company profits, utilising tax credits and allowances, maximising contributions to retirement schemes, and understanding the implications of capital gains tax and EIIS investments. Learn practical tips for leveraging pension contributions, tax-efficient bonuses, subsistence allowances, and tax loss harvesting. This guide offers valuable insights to help you minimise tax liabilities and optimise financial planning for the future. 00:00 Introduction: Maximising Your Tax Benefits 00:26 Clearing Out Your Profit: Why and How 05:23 Utilising Small Benefit Exemptions (SBE) 08:13 The Power of Pensions 13:51 Understanding Subsistence Allowances 19:02 Capital Gains Tax: What You Need to Know 23:50 Employment Investment Incentive Schemes (EIIS) 26:42 Conclusion: Effective Tax Planning Hosted on Acast. See acast.com/privacy for more information.
Nov 19, 2025 · 47 min
The Future of Irish Pensions: Auto-Enrolment, Property & PRSAs
Book a 1:1 Consultation & Financial Plan With Paul https://askaboutwealth.ie/consultancy Get Unbiased Property Guidance and a Free Mortgage Consultation https://linktr.ee/ask.about.property This week, we're joined once again by Aidan McLoughlin, Group Managing Director of ITC, to discuss the upcoming changes to pensions in Ireland and to help you better navigate these Changes. We discuss the significant recent change announced on August 15, which restricts transfers out of pension schemes post-normal retirement age (NRA), leading to lost benefits for members unaware of the change. Aidan also sheds light on the importance of seeking independent financial guidance to maximise pension benefits. This episode is a must-watch for anyone looking to optimise their pension schemes and stay informed about market changes. Hosted on Acast. See acast.com/privacy for more information.
Nov 12, 2025 · 37 min
Avoiding Inheritance and Succession Pitfalls in Ireland
Book a 1:1 Consultation & Financial Plan With Paul https://askaboutwealth.ie/consultancy Get Unbiased Property Guidance and a Free Mortgage Consultation https://linktr.ee/ask.about.property You can contact Jacquelyn and learn more about The Journey here: https://thejourney.ie/ In this episode, we are delighted to welcome Jacquelyn Dunne, solicitor at Dunne Solicitors and the creator of The Journey. Join us as we discuss the importance of having a will, explain who inherits what under intestacy laws, and the consequences of not having proper succession planning in place. Hosted on Acast. See acast.com/privacy for more information.
Nov 4, 2025 · 42 min
The Future of the Irish Property Market
Book a 1:1 Consultation & Financial Plan With Paul https://linktr.ee/askaboutwealth Get Unbiased Property Guidance and a Free Consultation https://linktr.ee/ask.about.property You can learn more about Gavin here: https://gavinjgallagher.com/ In this episode of the Ask About Wealth Podcast, we welcome back Gavin J Gallagher, a seasoned property investor, coach, and mentor, as well as the presenter of the Behind the Facade podcast. We discuss significant changes coming to the property market, including the impact of the nationwide Rent Pressure Zone system, challenges for landlords, and upcoming regulations affecting property investments. Hosted on Acast. See acast.com/privacy for more information.

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