This episode is Part 2 of Stephanie’s conversation with Sandeep Nair. For the full conversation, make sure you listen to Part 1 and subscribe to the podcast. As an expat, when you’re picking the right country for your “Plan B” or for your family, it’s important to get the details right – especially when you are investing in a country as a way to secure your citizenship. In Part 2 of my conversation with Sandeep Nair, COO of Vancis Capital, we get into the finer details of residency and citizenship by investment. And, importantly, why it’s become such a hot topic for internationally mobile clients, including crypto holders looking for certainty in an increasingly regulated world. We talk through where these programmes are actually heading, which countries are actively launching new options, and why some jurisdictions are becoming more complex rather than simpler.… Continue Reading ‘Plan B’ Passports, Crypto Mobility and Where Investment Migration Is Headed with Sandeep Nair (Part 2)

This episode is Part 1 of Stephanie’s conversation with Sandeep Nair. Make sure you subscribe for Part 2 coming in the next episode. Residency by Investment sounds like a simple way to set aside a backup when you’re managing your money, but the complexity and rapidly changing landscape of tax and government priorities means you should probably talk to an expert. In this episode of Taxbytes for Expats, I’m joined by Sandeep Nair, COO of Vancis Capital, to talk about residency and citizenship by investment. He sets out, in very practical terms, what these programmes actually involve because this is one of those areas where you don’t want to get the details wrong, and having an adviser like Sandeep is the best way to get accurate and up to date information. We talk through why people explore residency or citizenship options in the first place, global mobility, retirement planning, tax considerations, and what’s increasingly referred to as a “Plan B”. Sandeep explains how clients define their goals, what the advisory process looks like, and the types of jurisdictions that tend to come up most often in these discussions. From my side, I bring it back to the tax piece: why these decisions can’t be made in isolation, how Irish tax rules continue to apply in ways people don’t always expect, and why early, joined-up planning is critical. Main Topics Discussed… Continue Reading Global Mobility, Second Passports and What Citizenship by Investment Actually Means with Sandeep Nair (Part 1)

This episode is Part 2 of Stephanie’s conversation with Paddy Delaney. For the full conversation, make sure you listen to Part 1 and subscribe to the podcast. You may think that seeking investments as an Expat in Ireland is as simple as finding the right advice. In practice, though, the conventional wisdom doesn’t always mean the best results for you. In Part 2 of my conversation with Paddy Delaney of Informed Decisions, we get into some of the assumptions many people hold about investing as they move closer to retirement, particularly the idea that “de-risking” automatically means safety. Paddy explains why that conventional wisdom doesn’t always stack up in practice, and why understanding volatility, time horizons, and having a proper plan matters far more than simply defaulting into a middle-of-the-road fund. We also spend time on something that comes up constantly in my work with expats: fees, transparency, and how to tell whether you’re getting advice or being sold a product. We talk about commission, “free” financial plans, what questions you should be asking before you sign anything, and how easily costs can stay hidden in the background for years if you don’t know where to look. This is particularly relevant if you’ve brought pensions or investments with you from another country and are trying to make sense of how everything fits together in Ireland.… Continue Reading Financial De-Risking, Free Advice Isn’t Free and What Expats Should Watch Out For with Paddy Delaney (Part 2)

This episode is Part 1 of Stephanie’s conversation with Paddy Delaney. Make sure you subscribe for Part 2 coming in the next episode. Investing in Ireland has always been tricky, particularly for anyone who recently relocated here, and with so many options out there it’s hard to realise the benefits of your savings beyond your pension without sound advice. In this episode of Taxbytes for Expats, I’m joined by Paddy Delaney, founder of Informed Decisions, for the first part of a really practical conversation about financial advice in Ireland. Paddy has spent over 20 years in the financial services world, and he brings a refreshingly honest perspective on how advice is given, where incentives can sit, and why it’s so important to understand who you’re dealing with before you take any financial recommendations on board. We step through the often-confusing differences between financial advisors, brokers, and financial planners, including how banks fit into the picture and what “independent” advice actually means in practice. This is one of those areas where people assume all advice is the same — and it really isn’t. Paddy shares real-world examples of why intent, structure, and remuneration matter, and how those factors can directly impact your long-term financial outcomes. We also talk about when you do need financial advice, and when you really don’t. Paddy is an expert on helping you make transparent and informed financial decisions. Main Topics Discussed… Continue Reading Financial Advice for Expats in Ireland: Who to Trust and When You Actually Need It with Paddy Delaney (Part 1)

This episode is Part 2 of Stephanie’s conversation with Michele Coleman. For the full conversation, make sure you listen to Part 1 and subscribe to the podcast. In this episode… Continue Reading Banking, Taxes, Moving Back Post-Brexit and Rebuilding Life in Ireland with Michele Coleman (Part 2)

This episode is Part 1 of Stephanie’s conversation with Michele Coleman. Make sure you subscribe for Part 2 coming in the next episode. In this episode I’m joined by one… Continue Reading Moving Home, Comparing the UK & Ireland, and the Warmth of Irish Culture with Michele Coleman (Part 1)