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Tax Return Pitfalls & Opportunities

It’s coming up to that time of year again – tax returns need to be completed and everyone is looking for ways to reduce their bill. While most people view this as a chore, we...

Understanding Domicile

In the realm of financial planning and taxation, the term ‘domicile’ often surfaces for individuals who were not born in Ireland. But what does it really mean, and why is it so significant? Let’s delve...

Investing is Simple, but Not Easy

Some of the Everlake team attended the PortfolioMetrix LEAD Symposium in Cape Town this May. The event brought together some of the world’s top financial advisors to share ideas and challenge the norms in pursuit...

You’re Too Late!

Ethics in Irish Financial Services We invited a good friend of Everlake’s, Dan Candura CFP, to give a keynote speech on the subject of ethics at an event for the Society of Financial Planners a...

Why is There so Little Estate Planning in Ireland?

Why is there so little Estate Planning in Ireland? We were engaged by a couple in their mid-50s recently for Financial Planning advice. Firstly, we ensured that their family would be protected come what may....

Important Tools for Your Estate Planning

We’ve given our theory on why estate planning is not very common in Ireland and explained what estate planning actually is. It is NOT simply setting up a Section 72 life assurance policy! There is...

The Ladybird Guide to Estate Planning

In a previous blog post, we set out our thoughts on why structured estate planning is not that common in Ireland, and some reasons why people may mistakenly assume they don’t have a need for...

Will Sustainable Investing Affect my Returns & Increase my Costs?

At Everlake we believe investment returns are explained by the following investment decisions: asset allocation, diversification, and investment approach. 1.      Asset Allocation Asset allocation is how much of your portfolio is invested in different investment...

Alternative Investments Motivated by Sustainability Values

When investors go online to research sustainable investing opportunities, or indeed have a conversation with most financial advisors, they are usually introduced to the world of ESG investment funds. The theme of sustainable or ESG...

Meet Jacki Conway

Jacki joined Everlake as Chief Operating Officer in April 2021. After 19 years in a variety of roles with IBM, spanning Financial Analysis and Strategic Planning, Jacki changed her career direction. In 2005 she joined...

Your Most Valuable Sustainable Investment

We seem to have struck a chord with a number of people recently when we wrote our thoughts on Sustainable Investing and how we see it as only one element of overall sustainability. Many investors...

Everlake Investment Portfolios & 2022 Performance Review

At Everlake, we always seek to ensure that your values are reflected as fully as possible in the financial planning and investment approach that we recommend. We offer our clients a range of investment portfolio...

Inter-Generational Financial Planning

Many young people in Ireland today find that saving money into a pension or even buying a house is not a realistic proposition without the assistance of their parents. Much of the wealth in Ireland...

Are Sustainable & Impact Portfolios Worth The Price?

“When the facts change, I change my mind…” is generally attributed to the economist John Maynard Keynes (although he may not have actually said it), and it perfectly sums up our position on global capital...

Do You Own Investments In The USA?

Do you have shares in a company listed in the USA or a US ETF? Do you have more than $60,000? Are you married or in a Civil Partnership? If you answered yes to all...

Looking for Advice on Investing in Ireland

Assuming you have no mortgage debt and are already making full use of your pension allowances, what is the most tax efficient option for an investor in Ireland today? Is it beneficial to buy an...

Meet Marc Westlake – Our Managing Director

Our Managing Director Marc has worked as an Independent Financial Planning Consultant since 1994. Today he is a specialist in Portfolio Management, Pensions and Tax & Estate Planning. Marc has a Bachelors Degree in Economics,...

Values-Based Investing

Ensure your values are reflected as fully as possible in the financial planning & investment approach

Building & Preserving Your Wealth

Money means different things to different people. As Financial Planners we don’t believe that, for most people at least, simply being rich is the end goal. As one of our clients put it; “surely the...

Keeping Calm in the Face of a Market Fall

Much of this information may look familiar – you are right! We maintain the same long-term mindset and principles of long-term investing regardless of the recent ‘crisis du jour’.

What is Socially Responsible Investing?

We are fortunate at Everlake to have deep experience and expertise in helping people to invest in line with their own preferences and convictions.

Advice Worth €1m

Bottom line, swapping an individual stock for a diversified portfolio reduces risk AND improves expected return.

Should I Overpay my Mortgage or Pay into a Pension?

The answer to this question, like with almost all financial advice, is ‘it depends’. Let’s look at the different things to consider… Emotional Benefits As William Shakespeare said; “neither a borrower nor a lender be.“...

When the Cheapest Option Isn’t Always the Best

Gerald Ratner joined his family’s jewelry business in 1966 and built it up into an incredibly successful high street chain during the 1980s. People loved Ratners stores because they offered affordable products to the man...

What Price Principles?

A new EU regulation came into effect on March 10th which requires all Irish financial advisers to consider ‘sustainable investing’. The Sustainable Finance Disclosure Regulation (SFDR) effective on the 10th of March 2021 was introduced...

How Much is Enough in Retirement?

When we sit down to carry out retirement planning with a client, one of the questions we end up tossing around a lot is, “How much is enough in retirement?” This usually provokes some interesting...

5 Taxation Considerations When Moving to Ireland

With Brexit coming over the hill, a significant number of UK companies are seeking to relocate part of their operations to Ireland in order to retain easy access to the EU markets. With that, we’re...

How will you reward employees in this new world order?

So here’s a (good) problem that has emerged from the enormous changes in work practices since the Covid pandemic hit. Employers previously were able to recruit and retain by creating a superior working environment –...

Where Do You Call Home?

How does your domicile impact your financial plan? Where you call home is a crucial question when it comes to financial planning. Before I moved to Ireland in 2008, I had a financial planning client...

Neither a Borrower Nor a Lender Be

Good advice does not need to be complicated to have a dramatic impact on an individual’s financial position and save them thousands. As an example, let’s look at a client who had €130,000 in bank...

Do You Have Family Living in the UK?

Those who are living in Ireland but have family in the UK who would like to make use of exemptions that apply when passing assets between generations should obtain advice around Estate Planning arrangements. “In...

Time in the Market, not Timing the Market

When Should I Invest? The answer is always now because investors are rewarded for time IN the market not timing the market. Psychologists tell us that as investors we are more concerned about losses than...

How Much Does a Financial Advisor Cost in Ireland?

Introduction In our experience most people don’t really know what they are paying for their investments and pensions. The advice cost is very often “bundled in” to an Insurance Contract making getting to the bottom...

Why Don’t People Take or Act Upon Financial Advice?

Advice That Sticks In her excellent book Advice That Sticks, Moira Somers takes aim at the problem of financial non-adherence aka people failing to follow sound advice. A neuropsychologist and financial change expert, Moira examines...

Could you benefit from a second opinion?

If your broker is focused on the big brand, allocation rates and past performance, get in touch immediately. It could save you a fortune. This is a real case study, using screen shots of actual...

Have You Heard of Direct Indexing?

From time to time we are approached by clients with complex circumstances that require a bit of lateral thinking on our part. US Citizens living in Ireland are a particular challenge. Steve and David are...

What is Lifestyle Financial Planning?

“I actually chose my accountant because he said to me – you have to make a fundamental decision. You have to choose whether you organise your money around your life or your life around your...