We regularly post new articles sharing our thoughts, interests, and expertise on a wide variety of financial planning topics.
The Investment Performance Gap We Don’t Talk About
As part of our ongoing professional development and learning, we attend various events and training sessions throughout the year. During the last week of September, the Everlake team attended the annual PortfolioMetrix investment forum. There’s...
Serious Issue for Tax Optimised Investment Solutions in Ireland
Brexit’s regulatory shake-up has led the UK government and the Financial Conduct Authority (FCA) to exempt UK investment trusts from EU derived cost disclosure rules under the Packaged Retail and Insurance based Investment Products (PRIIPs)...
The Critical Cash Portion of Your Portfolio
Holding significant cash reserves in bank accounts is like watching your wealth slowly disappear. With Irish households currently holding a record €150+ billion in deposits, according to the Central Bank of Ireland in February 2025,...
The Art of Inaction
Let’s be honest, when markets get jittery, headlines scream “PANIC!” You’re likely hearing the sensationalist stories in the media about trillions being wiped off the stock market, financial disaster and general doom and gloom. The...
State Savings V Irish Government Bonds
State Savings V Irish Government Bonds Anyone currently holding or considering making the maximum investment (€240,000) in State Savings should read on and then call us for some advice. Introduction Given the measly interest rates...
Understanding Philanthropy
Philanthropy is a meaningful way for wealthy families to make a positive impact on the world while preserving their values and creating a lasting legacy. It goes beyond simple charitable giving—philanthropy is a strategic and...
Family Trusts: A No-Nonsense Guide
Estate planning can help you preserve wealth for your heirs, minimise tax liabilities, and protect your family’s financial future. One of the most effective estate planning tools to consider is a trust. In this article,...
Family Partnerships Explained: How to Build A Legacy
Discover how family partnerships can prevent wealth loss and protect your assets for future generations.
Should You Rethink Your Investment Strategy?
Despite noise and speculation in the media about what the future holds, the downturn in US tech stocks in July turned out to be quite a non-event. On the surface, despite some stocks losing multiple...
Forecasting the Financial Future
Come January, I traditionally mock the Financial Journalist’s annual requests for forecasts of the year ahead by Financial Advisors. There are many suitable responses to this annual charade, some of my personal favourites include: “Pundits...
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...
Comparing Irish Bank Deposit Rates and State Savings: Making the Right Choice
After six interest rate increases, savings interest rates in Ireland are finally showing some upward movement. A 0.5% rise on certain Bank of Ireland savings interest rates was recently announced. However, the National Treasury Management Agency...
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...
Sustainable Investing – Just One Element of Sustainability
Those who regularly tune into the financial media will have noticed a significant upsurge in commentary around sustainable or ESG investing over the last few months. Two main forces have driven this, the first being...
Beware The State Pension Trap
A potential tax/benefits trap exists that Irish Financial Planners should consider when recommending a personal investment portfolio (as distinct from a pension or ARF). I don’t profess to be an expert in Social Welfare benefits...
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 John McNicholas
John headed up the family business, Ethical Financial, originally established by his father Ray in 1997. In 2020 Ethical Financial merged with Global Wealth, before rebranding in 2022 to become Everlake. He’s been advising business...
Tax Efficient, Sustainable Investing Portfolios
A new range of tax efficient, Sustainable Investing Portfolios, is now available to our clients.
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...
Is Now a Good Time to Invest?
Updated January 2022
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’.
Inertia: the Enemy of the Irish Saver
Leaving your savings on deposit, in this low interest rate and inflationary environment, is guaranteed to reduce your purchasing power.
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.
Did you know shares in a US Multinational may be subject to tax at up to 73%?
US Federal Estate Tax applies at a rate of up to 40% on the death of a spouse or civil partner holding shares in a US company or US ETFs worth more than $60,000.
Cross Border Issues Arising for Purposes of Ireland/UK Double Tax Convention
There are some clear and fundamental differences between the tax laws of Ireland and the UK. Consequently, where an individual is considering their estate planning and there is a cross-border dimension due to the domicile...
Investor “Risk Profiling” is the Financial Services Equivalent of Painting by Numbers
There’s more to consider when carrying out investor risk profiling
Moving to Ireland? What to Look for in a Financial Planner
When you move to Ireland, there are important questions to ask a financial planner whose services you are considering
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...
