Ask About Wealth

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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