Shows
Everlake: Insightful Wealth Management AdviceFamily Partnerships as a Flexible Tool for Lifetime Wealth Planning with Andrea McNamaraHow can you support your children financially, on your terms, while optimising for tax and retaining control?In this episode, Marc Westlake is joined by Andrea McNamara, Director of Private Client Law at EY Law Ireland, to unpack the often-overlooked but highly effective structure of family partnerships in Ireland.There are some differences between Trusts and Family Partnerships (check out previous episodes for more from Andrea) and Andrea covers these differences, the common structures and benefits and what you should think about when considering a Family Partnership for your kids.Marc & Andrea discuss...2025-06-2625 min
Everlake: Insightful Wealth Management AdviceTax Traps, Offshore Fund Rules and the Stories You Don’t Hear with Stephanie Wickham (Part 2)In this follow-up to their in-depth conversation, Marc Westlake is joined once again by Irish tax expert and host of Taxbytes for Expats, Stephanie Wickham for Part 2 of their conversation. Together, they chat about more of the complex and often misunderstood realities facing expats and returning Irish citizens navigating the Irish tax system.In Part 1, Marc and Steph discussed the mainstays of tax advice: what to do, what it costs, and why working with the right professionals matters, especially when you can get a team together.This episode explores the real-world consequences of mismatched or...2025-06-1236 min
Everlake: Insightful Wealth Management AdviceTax Residency, Domicile & Planning for Expats in Ireland with Stephanie Wickham (Part 1)Returning to Ireland or moving here for the first time? The tax implications can be complex but with the right guidance, they don’t have to be overwhelming. In this two-part conversation, Marc Westlake sits down with chartered accountant and Expat Taxes founder, Stephanie Wickham, to unpack the critical issues facing internationally mobile families.In Part 1, Marc and Steph explore the common crossroads expats face when seeking financial and tax advice: what to do, what it costs, and why working with joined-up professionals matters. They explain essential concepts like tax residency, domicile and the remittance basis of ta...2025-05-2941 min
Everlake: Insightful Wealth Management AdviceAvoid Greenwashing and Use Your Money for Real Impact As a Sustainable Investor with Gavin FrancisIn this episode, John McNicholas sits down with Gavin Francis, founder of Worthstone and a leading advocate for sustainable and impact investing in the UK. Together, they discuss what it really means to invest sustainably, the aspects of funds that are doing the right things for the planet, and how to avoid the buzzwords and glossy brochures.They explore how individual investors can align their money with their values, the difference between “doing less harm” and “doing measurable good,” and why terms like “impact” and “additionality” matter. Gavin shares real-world examples of companies making a difference, explains how regulation i...2025-05-1548 min
Everlake: Insightful Wealth Management AdviceChoosing the Right Trust For Your Family’s Future with Andrea McNamaraIn this episode, Marc Westlake is joined once again by Andrea McNamara, Director of Private Client Law at EY Law Ireland, for a deep dive into the world of trusts in Ireland. They explore when and why trusts are used, the differences between discretionary, bare, fixed, and life interest trusts, and the common misconceptions that can lead families astray.Andrea explains how trusts can be vital tools for protecting young children, providing for loved ones with additional needs, and ensuring smoother, more flexible estate planning. Marc and Andrea also discuss the pitfalls of outdated trust structures, the...2025-05-0127 min
Everlake: Insightful Wealth Management AdviceInvestment Literacy: What you Need to Know to Grow your PortfolioWhen it comes to investing, what should you really understand? And how much detail is enough?In this episode, Marc Westlake and John McNicholas unpack the importance of “Investor Literacy” - not in terms of mastering jargon or market timing, but in having the clarity and confidence to ask the right questions, understand the basics, and tune out the noise. From overconfidence and anxiety to tax traps and hidden costs, they explore how better knowledge (not more information) can help you become a more resilient, empowered investor.Whether you're just getting started or you've been inve...2025-04-1748 min
Everlake: Insightful Wealth Management AdviceStrategies to Teach your Kids about Money Management with Phil WellingtonIn this episode, John McNicholas is joined by Phil Wellington of PortfolioMetrix to explore the often-overlooked subject of teaching children about money. From pocket money ledgers to the challenges of a tap-to-pay world, they share personal stories, practical strategies and lessons passed down from their own parents to help teach kids about money management.Together, they unpack the importance of giving children a tangible understanding of spending, saving, and delayed gratification — even in an increasingly digital financial environment. As parents in the modern world, Phil and John’s advice can help you start early with your...2025-04-0322 min
Everlake: Insightful Wealth Management AdvicePractical Strategies for Managing Financial Risk in 2025In this episode, Marc Westlake and John McNicholas discuss the practical considerations of managing financial risk, a continuation of their previous discussion on understanding financial risk in Ireland.They emphasise the importance of understanding personal risk factors and the bespoke nature of risk management in wealth management and investment. They also highlight the dangers of relying on presumed ‘low-risk’ assets like cash, bank deposits, or property, which may not keep pace with inflation.Instead, they advocate for a diversified investment strategy that is aligned with an individual's specific financial situation and goals. This discussion highlights the...2025-03-2020 min
Everlake: Insightful Wealth Management AdviceThe Power of Estate Planning: An Introduction with Andrea McNamara of EY LawEstate planning isn’t just about writing a will—it’s about securing your financial future, protecting your loved ones, and making informed decisions that minimise tax liabilities. In this episode, Marc Westlake sits down with Andrea McNamara, Director of Private Client Law at EY Law Ireland, to explore the crucial role estate planning plays for individuals and business owners alike. As a chartered tax advisor, trust and estate practitioner, and qualified barrister, Andrea brings a wealth of expertise to the conversation.Together, Marc and Andrea discuss common estate planning pitfalls in Ireland, the importance of wor...2025-03-0616 min
Everlake: Insightful Wealth Management AdviceGetting Perspective on your Financial RiskUnderstanding risk in your finances is hard enough, but to know if you're making the right move while taking a risk is difficult without the right advice.In this episode of the Everlake podcast, hosts John McNicholas and Marc Westlake discuss the complexities of understanding and managing risk in financial planning. They cover various types of risks investors face, including the risk of losing capital permanently, longevity risk, and the risk of inflation. They also highlight the importance of differentiating between perceived risks such as market volatility and more significant risks like outliving one's resources. ...2025-02-1730 min
Everlake: Insightful Wealth Management AdviceWhy You Need the Experts for your Investments with Phil Wellington & PortfolioMetrixThere's a reason why investment portfolios are sometimes delegated to the experts: you need someone with experience of both Asset Allocation and fund selection decisions.In this episode, John McNicholas is joined by Phil Wellington, a Chartered Financial Analyst, Director and Investment Analyst at PortfolioMetrix. Phil has maybe an unconventional journey to his current role in investment management. Partnering with Portfoliometrix allows Everlake to define and customise portfolio construction and implementation in a consistent and repeatable manner specific to the particular needs, such as optimised for Irish tax, or values, such as sustainable investing, of...2025-02-0654 min
Everlake: Insightful Wealth Management AdviceOur Review of 2024 & Your Wealth Management Advice for 2025Marc Westlake and John McNicholas review key financial events and legislative changes in Ireland from 2024 to help guide informed financial decisions for 2025. They emphasize the unpredictability of markets, the importance of understanding financial news, and strategies for diversified, low-risk investments. The episode is also your exclusive consultation for 2025 and covers significant legislative updates in Ireland, including changes in tax and pension rules, and underscores the importance of regular financial reviews, financial apps, and maintaining a rainy day fund. They also discuss how to manage high returns and the need for a forward-looking approach to financial planning.2025-01-1344 min
Everlake: Insightful Wealth Management AdviceHoarding Money Isn't An Investment: Money On Deposit and the Effect on your WealthMost people consider having money in the bank as the most effective way to create wealth. Little do they know that the banks give very little return to its customers for a high amount of investment they can make at their expense.In this episode of Everlake, hosts John McNicholas and Marc Westlake explore the limited control individuals have over their bank deposits and the hidden costs associated with state savings. The conversation emphasizes the importance of financial education and transparency, highlighting the disparity between bank profit motives and depositor returns. They discuss the missed...2024-12-1651 min
Everlake: Insightful Wealth Management AdviceHow the Irish Finance Bill 2024 Impacts your Wealth ManagementThe Irish Finance Bill for this year (2024) has included a number of recommendations in the lead up to the election. In this episode, Marc Westlake delves into the key changes and implications of the Bill. He explores how the recent budget adjustments affect financial planning specifically in Ireland, highlighting significant updates such as the increase in the standard fund threshold and the nuanced impacts on pension contributions. He also discusses the implications for business owners and senior executives, changes to inheritance tax rules, and potential future adjustments in the taxation of investment funds and stock...2024-12-0214 min
Everlake: Insightful Wealth Management AdviceSpeaking Plainly (Introducing Everlake Episode 1)Welcome to the Everlake podcast! On this first episode, Marc Westlake and John McNicolas discuss the complexity of the financial system, and the importance of clear communication and understanding. As this is the first episode, they also share our own stories of how they got into the murky world of finance. Enjoy!---Thanks so much for listening to this episode of the Everlake podcast!If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast...2024-11-1515 minEverlake: Insightful Wealth Management AdviceMaking Good Decisions (Introducing Everlake Episode 2)To make good financial decisions, you first need to be what is called 'financially literate'. Fortunately, financial literacy isn't as hard as it might seem! Listen in as Marc Westlake and John McNicolas discuss why on this episode.---Thanks so much for listening to this episode of the Everlake podcast!If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review...2024-11-1515 minEverlake: Insightful Wealth Management AdviceFear of Money (Introducing Everlake Episode 3)If money was tight growing up, you probably have a script running in your brain that sabotages good financial decisions! On this episode Marc Westlake and John McNicolas explore some of those scripts, and how to upgrade your thinking about money, starting with tax.---Thanks so much for listening to this episode of the Everlake podcast!If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague...2024-11-1516 minEverlake: Insightful Wealth Management AdvicePlanning Essentials (Introducing Everlake Episode 4)The most common question we get from clients is: should I leave my pension invested at retirement? Or should I consider an annuity? On this episode, Marc Westlake and John McNicolas address that question and discuss other financial planning essentials.---Thanks so much for listening to this episode of the Everlake podcast!If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a...2024-11-1514 minEverlake: Insightful Wealth Management AdviceTrust and Transparency (Introducing Everlake Episode 5)Trust is a big issue in the financial sector. The fact is, if you don't trust your advisor, you won't act on the advice. Even worse, Ireland is perhaps the most difficult jurisdiction on the planet to invest your life savings! Listen in as John McNicolas and Marc Westlake discuss the issue of trust.---Thanks so much for listening to this episode of the Everlake podcast!If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy...2024-11-1513 minEverlake: Insightful Wealth Management AdvicePREMIERE: Everlake Podcast TrailerWelcome to the Everlake podcast!At Everlake we build strong, long-term relationships with a core group of clients.We aspire to be the trusted wealth advisors to individuals, families, and businesses, guiding them towards financial security and fulfilment of their ambitions. Operating in an ethical and sustainable manner, and putting the interest of our clients first, our objective is to develop the future of financial planning in Ireland, setting the benchmark for integrity, innovation, and expertise.When you listen to this podcast, you get direct access to Marc Westlake and John McNicholas, the...2024-11-0801 min