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Taxbytes for Expats

Stephanie Wickham, ExpatTaxes.ie

Are you an expat who is confused by the Irish tax system? Maybe you are planning a move to or from Ireland and want to understand how to navigate the complex tax issues that arise? Taxbytes for Expats is the show that explains in simple terms the dos and don'ts of Irish taxes for expats.

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#85
Tuesday · 13 min
Ordinary Residency in Ireland: What the Tax Rules Mean for Expats
Ordinary residency in Ireland can have important tax consequences, particularly for people planning to leave the country after several years of Irish tax residence. In this episode, Stephanie Wickham explains how ordinary residency differs from tax residency, when it begins and ends, and why it can keep certain income and gains within the Irish tax net after departure. She also looks at Double Taxation Agreements, treaty residence, temporary non-residency rules and why advance tax planning matters before selling an asset or business. For expats, returning Irish residents, founders and investors with cross-border assets, timing can make a real difference. If you are planning to leave Ireland and expect a significant transaction after departure, it is worth reviewing your tax residency, ordinary residency, domicile and treaty position before the move or disposal takes place. About the Host Stephanie Wickham is a Chartered Tax Adviser and Chartered Accountant and the founder of Expat Taxes. She specialises in Irish and international tax matters affecting expats, returning Irish emigrants and people with ongoing cross-border tax obligations. Her own experience of living in Australia for eight years before returning to Ireland also gives her a very practical understanding of what an international move involves beyond the tax return. LinkedIn: https://www.linkedin.com/in/stephanie-wickham-b4aba13b/ Website: https://expattaxes.ie/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Introduction to Ordinary Residency in Ireland (01:41) What Is Ordinary Residency? (03:07) Irish Tax Residency vs Ordinary Residency (03:41) When Ordinary Residency Begins and Ends (04:53) Why Ordinary Residency Matters When Leaving Ireland (06:12) How Double Taxation Agreements Can Affect Your Position (08:20) Treaty Residency and Overseas Moves (08:49) Capital Gains and the Temporary Non-Residency Rule (10:21) Why Tax Planning Before Departure Matters (11:15) Moving to the UAE and Treaty Considerations (12:07) Getting Advice on Your Ordinary Residency Position
#84
September 1 · 19 min
Preliminary Tax in Ireland: What Expats Need to Know
Preliminary tax in Ireland can catch expats by surprise, particularly when they file their first Irish tax return. In this solo episode, Stephanie Wickham explains who may need to pay preliminary tax, how the payment is calculated and why cash-flow planning matters. She covers the rules for chargeable persons, the different bases available for calculating preliminary tax, Revenue filing deadlines and some of the practical payment issues that arise when income or funds are coming from overseas. For expats, the wider lesson is to look at Irish tax obligations before the filing deadline is approaching. Foreign income, self-employment, overseas tax payments and the timing of a move to or from Ireland can all affect the position. A relatively small amount of planning earlier in the year can make a real difference. About the Host Stephanie Wickham is a Chartered Tax Adviser and Chartered Accountant and the founder of Expat Taxes. She specialises in Irish and international tax matters affecting expats, returning Irish emigrants and people with ongoing cross-border tax obligations. Her own experience of living in Australia for eight years before returning to Ireland also gives her a very practical understanding of what an international move involves beyond the tax return. LinkedIn: https://www.linkedin.com/in/stephanie-wickham-b4aba13b/ Website: https://expattaxes.ie/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Why Preliminary Tax Matters for Expats (02:14) Irish Tax Year and Filing Deadlines (04:00) Who Is a Chargeable Person? (05:07) Foreign Income and Preliminary Tax (06:29) How Preliminary Tax Works (07:13) How Much Preliminary Tax Should You Pay? (09:15) Alternative Preliminary Tax Calculation Methods (11:25) Revenue Online Filing Deadline and Tax Payments (13:08) Self-Employed Expats and Cash Flow Planning (15:38) Preliminary Tax When Moving To or From Ireland (16:21) Capital Gains Tax Has Separate Payment Rules (17:21) Final Practical Takeaways
#83
August 18 · 44 min
Tax Issues to Consider When Departing Ireland with Stephanie Wickham (Ask About Wealth podcast)
This is a guest episode of "Ask About Wealth" where Stephanie Wickham talks about tax planning for expats with Paul Overy. To find out more, head to AskAboutWealth.ie. Tax planning for expats in Ireland can make a significant difference before an international move takes place. In this guest episode of Ask About Wealth, Stephanie Wickham explains how Irish tax residency, ordinary residence and domicile affect people leaving Ireland, returning home or moving here for the first time. She also discusses the remittance basis of taxation, Double Taxation Agreements, foreign income and investments, and why taking advice before relocating can help avoid unexpected Irish tax liabilities. About the Guest Stephanie Wickham is a Chartered Tax Adviser and Chartered Accountant and the founder of Expat Taxes. She specialises in Irish and international tax matters affecting expats, returning Irish emigrants and people with ongoing cross-border tax obligations. Her own experience of living in Australia for eight years before returning to Ireland also gives her a very practical understanding of what an international move involves beyond the tax return. LinkedIn: https://www.linkedin.com/in/stephanie-wickham-b4aba13b/ Website: https://expattaxes.ie/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Guest Episode Introduction (01:01) Meet Stephanie Wickham and Expat Taxes (04:31) Stephanie’s Own Experience Returning to Ireland (07:43) Tax Residency, Ordinary Residence and Domicile (12:13) Working Abroad and Bringing Savings Back to Ireland (15:39) Tax Planning Before Leaving Ireland (21:41) How Double Taxation Agreements Really Work (24:02) Tax Compliance Versus Tax Planning (27:50) Why Specialist Cross-Border Tax Advice Matters (31:17) Moving to Ireland and the Non-Dom Rules (38:24) When Tax Savings Come With a Lifestyle Cost (42:13) Planning Ahead Before an International Move
#82
August 4 · 21 min
US Tax Planning When Moving to Ireland: Essential Steps
Moving from the United States to Ireland creates a tax position that can be more complicated than many people expect. US citizens generally remain within the US tax system after moving abroad, while becoming liable to Irish tax under Ireland’s rules on tax residency, domicile and income source. US tax planning when moving to Ireland is the focus of this episode with Stephanie Wickham and US expatriate tax specialist Josh Katz. They explain how state residency, foreign tax credits, filing deadlines and investment rules can affect Americans living in Ireland. Stephanie and Josh also discuss how US state tax residency can continue to affect Americans after they move to Ireland, estimated US tax payments, and why taking advice before the move can help estimate the Irish liability. Planning before the move is essential. Selling shares, funds or a US property before becoming Irish tax resident may produce a different result from selling after arrival, particularly where Irish Capital Gains Tax would otherwise apply. Timing can make a real difference, although pre-arrival sales are not automatically appropriate for everyone. Key Topics in this Episode: why leaving the US does not automatically end state tax exposure how foreign tax credits may reduce US tax on income taxed in Ireland why mid-year moves and mismatched filing deadlines cause practical problems how estimated US tax payments can affect cash flow after moving why PFIC rules matter when Americans buy Irish or European funds when selling investments or property before arrival may be worth considering how Irish and US tax advisers coordinate cross-border tax returns when detailed planning is valuable and when the first tax return may be sufficient About Josh Katz: Josh Katz is a US CPA and the founder of Universal Tax Professionals. He specialises in US tax compliance and planning for Americans living abroad and works with clients in more than 50 countries. His work covers annual US tax returns, FBAR reporting, foreign companies, trusts, investments, compliance programmes and cross-border tax planning. He regularly works with Americans living in Ireland, people moving between Ireland and the United States, and taxpayers who have only recently discovered that they should have been filing US returns. Get in touch with Josh Katz & Universal Tax Professionals: Website: https://universaltaxprofessionals.com/ LinkedIn: https://www.linkedin.com/in/joshuanathankatz/ Email: info@universaltaxprofessionals.com ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Introduction (00:38) When US Expats May Still Owe Tax (01:49) US State Tax Residency After Moving Abroad (03:55) Timing Issues in the First Year in Ireland (05:47) Quarterly US Tax Payments and Cash Flow (08:44) Foreign Tax Credits and Treaty Misunderstandings (11:16) PFIC Rules for Non-US Funds and ETFs (13:13) Investment Options for Americans in Ireland (15:06) Tax Planning Before Moving to Ireland (18:28) Coordinating Irish and US Tax Returns (19:17) Working with Josh and His US Tax Team (21:07) Closing Remarks and Tax Disclaimer
#81
July 21 · 22 min
US Tax Filing Rules for Americans Living in Ireland
US tax filing for Americans in Ireland can involve annual IRS returns, foreign bank account reporting and careful coordination with Irish tax obligations. In this episode, Stephanie Wickham speaks with US CPA Josh Katz about what Americans living abroad must file, why filing does not necessarily mean paying tax twice, and how missed returns can often be corrected. Stephanie and Josh also explain the Streamlined Filing Compliance Procedures, which may help Americans who failed to file because they genuinely did not know about their obligations. Eligible taxpayers may be able to submit a limited number of past tax returns and FBARs, together with a statement explaining that the failure was non-wilful. Finally, they consider the practical challenge of coordinating Irish and US filing dates. US returns are generally due earlier than Irish income tax returns, although Americans abroad may have access to automatic and requested extensions. Where US tax may be payable, an estimated payment may still be needed by the April deadline to reduce interest or penalties. About Josh Katz: Josh Katz is a US CPA and the founder of Universal Tax Professionals. He specialises in US tax compliance and planning for Americans living abroad and works with clients in more than 50 countries. His work covers annual US tax returns, FBAR reporting, foreign companies, trusts, investments, compliance programmes and cross-border tax planning. He regularly works with Americans living in Ireland, people moving between Ireland and the United States, and taxpayers who have only recently discovered that they should have been filing US returns. Get in touch with Josh Katz & Universal Tax Professionals: Website: https://universaltaxprofessionals.com/ LinkedIn: https://www.linkedin.com/in/joshuanathankatz/ Email: info@universaltaxprofessionals.com ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Introduction to US Tax for Americans Abroad (00:50) Meet Josh Katz of Universal Tax Professionals (03:22) Why Americans Abroad Still Need to File (04:23) FBAR Reporting and Foreign Bank Accounts (06:18) Common US Expat Tax Misconceptions (08:16) PFIC Rules and Foreign Investment Risks (10:38) Catching Up on Missed US Tax Returns (13:02) When Professional Tax Advice Is Helpful (14:55) Coordinating Irish and US Tax Returns (18:03) Foreign Tax Credits and Double Taxation (19:10) Irish and US Filing Deadlines (21:24) Estimated Payments and Late Payment Risk
#80
July 7 · 21 min
Practical Planning for Expats Returning to Ireland
Returning to Ireland can be far more complicated than booking flights and packing boxes. In this episode of Taxbytes For Expats, Stephanie Wickham speaks with Sarah Owen from Crosscare Irish Diaspora Support Project about the emotional and practical realities of moving back. They discuss planning, documentation, accommodation, support networks, and why “home” can feel different after years abroad. It is a practical conversation for Irish expats thinking about returning, especially those unsure where to start. The conversation looks beyond the romantic version of “coming home” and into the practical details that can catch people out, from housing and school places to PPS numbers, medical records, employment and support services. Sarah explains that people often speak to Crosscare about practical matters first, but the emotional adjustment comes up naturally in conversation. Many returning emigrants find it difficult to say they are struggling, especially when family members have been hoping for their return. That can make the transition feel isolating, even when the move was wanted. This conversation is a useful starting point for any returning Irish expat, family or professional who wants to make the move with fewer surprises and a clearer sense of what needs to happen next. Main Topics The emotional adjustment of returning to Ireland and why “home” can feel different after time abroad. Practical planning before moving back, including work, schools, location and family needs. Key documents to gather before leaving another country, such as medical records, birth certificates and marriage certificates. Accommodation challenges for returning Irish expats in the current Irish housing market. Support available through Irish networks abroad, Citizens Information and Crosscare Irish Diaspora Support Project. About the Guest Sarah Owen works with Crosscare Irish Diaspora Support Project, a government-funded service supporting Irish people abroad and those returning to Ireland. The project provides information, guidance and signposting for a wide range of situations. Some people are planning a return years in advance. Others are coming home because of crisis, conflict, deportation or sudden changes in personal circumstances. Crosscare helps people understand where to start, what services may be relevant and what practical steps they may need to take. Sarah brings a grounded and compassionate perspective to the conversation, with a clear understanding that returning to Ireland can be both a hopeful and stressful experience. Website: https://diasporasupport.ie/ LinkedIn: https://www.linkedin.com/in/sarahelisabethowen/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes for Expats (00:49) Why Returning “Home” Can Feel Different (01:33) The Emotional Side of Moving Back to Ireland (04:36) Planning Before You Return (05:34) Documents to Gather Before Leaving (06:28) Accommodation and the Reality of Ireland’s Housing Market (08:49) Support Networks for Irish People Abroad (12:25) Why Online Advice Needs a Pinch of Salt (14:48) Where to Start If You’re Thinking of Coming Home (17:46) How Crosscare Supports Returning Irish Expats
#79
June 16 · 20 min
Returning to Ireland: What Irish Expats Need To Know
Returning to Ireland can look straightforward from the outside. You know the place, you may have family here, and there is often a comforting idea that moving home should be easier than moving away. As Sarah Owen explains in this episode, that is not always how it works in practice. Stephanie Wickham speaks with Sarah Owen from Crosscare Irish Diaspora Support Project about the real-life issues facing Irish citizens and their families when they are emigrating or returning to Ireland. Sarah explains why planning a return should include more than flights and shipping boxes. It highlights the importance of checking housing options, PPS numbers, school places, healthcare access, social welfare eligibility and local supports before the move, especially where the return is happening quickly. For anyone also dealing with foreign income, foreign savings, foreign assets, tax residency or cross-border tax questions, this episode is a useful reminder that the practical and financial pieces often overlap. Personalised tax advice may still be needed where the timing of the move affects Irish tax resident status, worldwide income, Irish-source income or future tax compliance. About the Guest Sarah Owen is Project Leader with Crosscare Irish Diaspora Support Project, a Dublin-based nonprofit funded by the Government of Ireland. Crosscare provides information and advocacy assistance to Irish citizens moving abroad and returning to Ireland, with a particular focus on people who are marginalised or in crisis. Sarah is a dual Irish and French citizen with lived experience of migration. She has worked in Irish diaspora support and engagement for almost 15 years, across frontline support, policy, research and outreach. Her work is grounded in helping people make informed migration decisions, rather than pushing them towards or away from returning. Website: https://diasporasupport.ie/ LinkedIn: https://www.linkedin.com/in/sarahelisabethowen/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes for Expats (00:30) Introducing Sarah Owen and Crosscare Irish Diaspora Support Project (02:01) Sarah’s background and lived experience of migration (03:59) How Crosscare supports Irish citizens abroad and returning home (07:37) Recent trends in Irish emigration and return migration (09:46) Sponsor Message: Currencies Direct (10:32) Why returning to Ireland is not always straightforward (12:40) Information, advocacy and making an informed return (13:59) Social welfare, housing supports and habitual residence (15:45) Red tape, GP access, schools and family supports (16:52) Reverse culture shock, identity and belonging (18:44) How long it can take to feel settled back in Ireland
#78
June 2 · 22 min
Tax Residency Myths, UK Assets & Remote Work Risks: What Expats Get Wrong with Nicola Goldsmith (Part 2)
There are some great opportunities to take, and mistakes to avoid, when making the move from or to the UK. And the best way to make the most of the move is to chat to an expert in cross-jurisdictional tax to make it easy! In this second part of my conversation with Nicola Goldsmith, we get into the areas that tend to trip people up most. And honestly, this comes up a lot in conversations with clients. There’s often a belief that tax residency is something you can manage or “choose,” or that if you’re not physically in a country, you’ve left the tax system behind. As Nicola explains, it’s not quite that simple. We step through what really happens when you leave the UK but keep UK assets, how double tax treaties actually work in practice (and why they don’t eliminate tax altogether), and the risks that come with business structures and remote working across borders. The key thing to note here is that many of these issues aren’t obvious until you’re already in the middle of them. And by then, it can be costly to unwind. This is one of those areas where understanding the detail upfront can make a very real difference. Main Topics Discussed in this Episode The Myth of “Choosing” Your Tax Residency: A common misconception is that you can decide where you’re tax resident, when in reality, tax authorities have extensive data to determine your position whether you realise it or not. How Tax Authorities Track Your Movements: From flight data to banking activity, Nicola explains how easily tax authorities can cross-reference information across jurisdictions when something doesn’t add up. Understanding Double Tax Treaties in Practice: Double tax treaties don’t eliminate tax - they determine where tax is paid first and how relief is given, which is often misunderstood by expats. Keeping UK Assets While Living Abroad: Just because you’ve left the UK doesn’t mean your UK income or gains fall outside the UK tax net, particularly when it comes to property and other source-based income. Business Structures, Remote Work & Permanent Establishment Risks: Running a business or working remotely from another country can unintentionally create tax exposure in that new jurisdiction, even for individuals operating through their own company. Book a consult with Nicola Website: www.expattaxes.co.uk LinkedIn: https://www.linkedin.com/in/nicola-goldsmith-tep-cta-b22363149/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Introduction (00:30) Residency Mistakes: Can You Choose Where You're Tax Resident? (01:07) How Tax Authorities Track Your Movements (02:25) The Reality of “Self-Assessment” and Data Cross-Checking (04:01) Global Information Sharing Between Tax Authorities (05:15) Leaving the UK but Keeping UK Assets: What to Know (05:41) How Double Tax Treaties Actually Work (07:31) Why UK Income Often Remains Taxable (09:01) Real Client Scenarios: When Things Go Wrong (10:16) Business Structures & Permanent Establishment Risks (12:49) Remote Work, Employers & Cross-Border Tax Issues (17:26) Why Tax Rules Haven’t Caught Up with Modern Working (18:22) What It’s Like to Work with Nicola Goldsmith
#77
May 19 · 38 min
UK Tax Residency Explained, Planning Your Exit & Avoiding Costly Mistakes with Nicola Goldsmith (Part 1)
There’s a lot to consider when you’re an expat, in or outside the UK, and trying to be tax compliant. You might not think so, but tax planning starts before you even book your flights. In this episode, I’m joined by Nicola Goldsmith, one of our trusted UK partners for Expat Taxes UK, for the first part of a really practical conversation around UK tax planning for expats. Nicola brings nearly three decades of experience in cross-border tax, and what I particularly enjoy about this discussion is how grounded it is in real-life decision-making. As Nicola agrees, tax is far more about problem-solving than it is about numbers. We walk through the fundamentals of UK tax residency, what actually determines where you’re taxed, and why timing is everything if you’re planning a move. This comes up a lot in conversations with clients, because people usually leave decisions too late and miss opportunities that are entirely legitimate. Nicola explains how differences in tax years can create short windows for planning, the importance of understanding your income streams across borders, and how new rules like the FIG regime are changing the landscape for those arriving in or returning to the UK. If you’re considering a move to or from the UK, or you’re already navigating life across jurisdictions, this episode will help you better understand the common misconceptions and where early advice can make a meaningful difference to your overall tax position. Main Topics Discussed in this Episode Why Tax is Really About Problem Solving: Nicola shares her journey into tax and explains why the real skill lies in solving people’s individual circumstances—not crunching numbers. Understanding the Complexity of UK Tax Rules: We discuss how UK tax legislation works in practice, including why headline rates can be misleading and how different rules interact in unexpected ways. Planning Ahead When Leaving or Moving to the UK: The key thing to note here is that early planning creates opportunities—particularly around timing, structuring income, and managing assets across borders. Using Tax Residency Timing to Your Advantage: This is one of those areas where small timing differences—sometimes just days—can open up legitimate planning opportunities, including periods of non-residence. A Practical Overview of UK Tax Residency Rules: Nicola breaks down the fundamentals of UK tax residency, including automatic tests, the ties test, and how split-year treatment works in real-life scenarios. Book a consult with Nicola Website: www.expattaxes.co.uk LinkedIn: https://www.linkedin.com/in/nicola-goldsmith-tep-cta-b22363149/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes for Expats (01:11) Introducing Nicola Goldsmith & Her Tax Background (02:25) Why Tax is About Problem Solving, Not Numbers (04:10) How Tax Systems Differ Across Countries (06:03) Understanding UK Tax Complexity & Rates (10:19) Key Considerations When Leaving the UK (12:12) Planning Opportunities & Non-Residency Windows (13:57) Why Early Tax Planning Matters for Expats (14:23) Timing Your Move & UK Tax Year Nuances (15:56) The New FIG Regime Explained (18:25) Changes to Inheritance Tax & Domicile Rules (23:08) UK Tax Residency Rules Simplified
#76
May 5 · 19 min
Life After the Move: What US Expats Need to Know About Living in Ireland with Tom Lennon (Part 2)
In any expat’s journey, the planning required to get to Ireland comes first. Once you get here, though, it's easy to forget the next step: coming to terms with being here. In Part 2 of my conversation with Tom Lennon, we focus on what happens after you arrive in Ireland and cover some of the practical realities for US Expats that no spreadsheet can fully prepare you for. We talk through car insurance and the driving process (and why your US claims history matters more than you might expect), as well as Tom’s experience adjusting to the Irish healthcare system. We also touch on cost of living, where some of the biggest surprises tend to come. Tom also mentions what happens once you’re comfortable after the move: introducing your new world to friends and family, and finally shipping the golf clubs over! If you’re a US Expat, Tom’s story will give you everything you need to manage the planning and day-to-day adjustments that make all the difference to a successful move to Ireland. Main Topics Discussed in this Episode: Car Insurance & Driving in Ireland: Why your US car insurance claims history impacts your insurance cost, and what to expect when getting on the road in Ireland. Adapting to the Irish Healthcare System: A firsthand comparison between the US and Irish systems, including how insurance works and what surprises expats most. The Real Cost of Living in Ireland: Looking beyond rent to understand where expats often save money, particularly on healthcare and transport. Settling In & Building a Life Locally: The importance of small, everyday wins, from understanding local systems to putting yourself out there and making connections. Planning vs Lived Experience: Why even the best-laid plans only go so far, and how using trusted resources alongside real-world insights helps smooth the transition. Resources Tom Recommends for Expats: Citizens Information service: https://www.citizensinformation.ie/en/ Expat Taxes: https://expattaxes.ie/ Crosscare Irish Diaspora Support Project: https://diasporasupport.ie/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Introduction (00:50) Driving in Ireland & First Impressions (01:50) Car Insurance Explained for US Expats (03:46) The Reality of Insurance Costs (04:33) Planning the Move & “Creating Wins” (05:45) Settling In & Understanding Daily Life (06:30) Navigating the Irish Healthcare System (07:44) Public vs Private Healthcare in Ireland (08:37) Cost of Living: Ireland vs the US (11:04) Transport, Lifestyle & Hidden Savings (13:10) Adjusting to Life & Cultural Differences (15:56) Advice for Expats Making the Move (17:46) Looking Ahead: Life in Ireland
#75
April 21 · 20 min
A US Expat’s Move to Ireland: How to obtain Citizenship through Foreign Birth & Making a Plan with Tom Lennon (Part 1)
Expats from the US can have a harder time than most if they want to move to Ireland. With his calm approach and a propensity to plan ahead, it's easy to think Tom Lennon had it all figured out! In this episode, I’m joined by Tom Lennon, one of our clients who recently made the move from North Carolina to Limerick with his wife, Mary Lane. What started as a family connection to Ireland turned into a very real pathway through the Foreign Birth Registration process and, ultimately, a full relocation. Tom shares how that journey unfolded, from gathering documentation to that moment where it all starts to feel very real. The key thing to note here is that this wasn’t a rushed decision. We talk through the practical steps they took to test the move before committing: short stays, different locations, and giving themselves permission to change their minds along the way. Tom also shares how they approached choosing where to live, what surprised them about Ireland today, and why Limerick ended up being the right fit for them, even though it’s not the most obvious choice for expats. This is one of those areas where the emotional and practical sides of a move really overlap. Tom gives an honest account of what settling in actually looks like. If you’re thinking about making a similar move, there’s a lot here that will help you think it through and plan ahead for what’s important. Main Topics Discussed in this Episode: The Decision to Move to Ireland: Tom shares how a long-standing connection to Ireland, combined with a push during COVID, turned a “what if” into a real relocation plan. Navigating the Foreign Birth Registration Process: A practical look at how Tom secured Irish citizenship through ancestry, including the timeline, documentation, and what made the process feel achievable. Planning the Move with Flexibility in Mind: This comes up a lot with clients - Tom explains their step-by-step approach, using trial stays and keeping an “exit strategy” to reduce risk and pressure. Choosing Where to Live in Ireland: Tom walks through how they tested different locations across Ireland and why Limerick ultimately stood out as the right fit for their lifestyle. Adjusting to Life in Ireland as an Expat Retiree: An honest reflection on settling in, from housing challenges to cultural expectations, and what it really feels like to start building a life in a new country. Resources Tom Recommends for Expats: Citizens Information service: https://www.citizensinformation.ie/en/ Expat Taxes: https://expattaxes.ie/ Crosscare Irish Diaspora Support Project: https://diasporasupport.ie/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Introduction to Taxbytes for Expats (00:30) Meet Tom Lennon & His Move to Ireland (02:31) The Decision to Relocate During COVID (04:28) Irish Citizenship & the FBR Process (06:31) Making the Move Feel Real (07:25) Trial Runs & Having an Exit Strategy (09:25) Choosing Where to Live in Ireland (10:44) Discovering Limerick as the Right Fit (11:39) Life in Limerick: Surprises & First Impressions (13:47) Diversity & Changing Ireland (15:02) Finding Community & Avoiding Tourist Traps (16:18) Settling In: Housing, Lifestyle & What’s Next
#74
April 7 · 30 min
Irish Home-buying for Expats: Managing Stress, Decisions and the Tyranny of 'Shoulds' with Andrew Rhatigan (Part 2)
Buying a home in Ireland is more than just picking a property and spending the money. The process adds stress to what could already be an emotionally charged time in your life. In Part 2 of my conversation with Andrew Rhatigan of Rhatigan Real Estate, we move beyond the process and the house itself, and into something we often don’t consider: the psychology of buying property as an expat. Buying a home is already one of life’s most stressful events - an international move really compounds on that stress. This comes up a lot in conversations with our clients, where they’re navigating identity, family expectations, financial pressure, and a very emotional transition home. Andrew talks openly about how he absorbs some of that stress for his clients, acting as the steady hand in what can feel like a very wobbly process. We discuss why Ireland’s property market can’t be viewed through a laptop screen in New York or Dubai, why well-meaning family advice can sometimes cloud judgement, and why having one clear point of contact can make all the difference. Main Topics Discussed in this Episode: The Psychology of Buying Property as an Expat: Why buying a home during an international move is as much an emotional journey as it is a financial transaction – and how having the right support can steady the process. Managing Stress and Decision-Making in a Hot Market: How low stock levels, bidding disappointments, and timing pressures in Ireland’s property market impact expats – and why mindset matters just as much as money. The “Tyranny of Shoulds” and Well-Meaning Family Advice: Why returning Irish in particular can feel pulled in different directions by friends and family, and how to filter advice without damaging relationships. Local Knowledge vs. Online Property Listings: The reality that Daft and Google only show part of the picture – and why on-the-ground insight into neighbourhoods, community, and future development is critical. What Working with Andrew Actually Looks Like: From the initial Property Blueprint session to full search and negotiation support, how a structured, criteria-based approach helps expats buy with clarity rather than emotion. **Special Offer from Andrew** Taxbytes For Expats listeners will get 25% off their purchase of the Property Blueprint when you mention “ExpatTaxes” upon your purchase. Click the following link to access this deal: https://propertyplan.ie/. Get in touch with Andrew Rhatigan: LinkedIn: https://www.linkedin.com/in/andrewrhatigan/ Website: https://www.rre.ie/ Podcasts: “Shut the Front Door” / “Beyond Just Business” ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome & Episode Introduction (00:50) Absorbing Stress: Supporting Clients Through the Emotional Side of Buying (02:57) Two Major Life Events at Once: Moving Country and Buying a Home (03:51) Bidding Wars, Setbacks & The Startup Mindset (05:08) The Personal Story Behind Andrew’s “Parental” Approach (06:07) When Google Sells You the Wrong Version of Ireland (08:41) The Reality of Ireland’s Property Market Right Now (10:36) Property Checklists & Challenging What You Think You Want (12:11) Why “We’ll Just Move Home and See” Rarely Works (14:00) Sponsor Message: Currencies Direct (15:15) The Property Blueprint: How Working With Andrew Actually Starts (21:42) Local Knowledge, On-the-Ground Research & Avoiding Costly Mistakes (26:02) Special Offer for Taxbytes Listeners & Where to Connect
#73
March 17 · 27 min
Sale Agreed Isn’t Sold: A Better Way of Buying Property in Ireland with Andrew Rhatigan (Part 1)
Buying property in Ireland as an Expat is never as simple as it seems, but having someone with you that is invested in understanding what you need from a home is a brilliant first step. Especially if they help you find what you want when you didn’t even know yourself. This is Part 1 of my conversation with Andrew Rhatigan of Rhatigan Real Estate and I have to say, I really enjoyed this one! Many of you are either planning a move to Ireland or trying to buy from abroad, and what Andrew brings is something quite different. His background in psychology means he approaches property through a people-first lens - not a sales lens. He’s not just a buyers agent who spends your money, but takes the time to understand you. Andrew walks us through what buying in Ireland is really like: why Sale Agreed isn’t legally binding, why timelines can stretch far longer than expected, and why simply having funds doesn’t automatically put you at the top of the list. For Andrew, buying property is rarely just about bricks and mortar. It’s about life decisions, relationships, expectations, and sometimes blind spots we don’t even realise we have. Andrew’s real skill is helping clients step back, gain clarity, and avoid making an expensive decision for the wrong reasons. Main Topics Discussed in this Episode: Andrew’s Psychology-Led Approach to Property: Andrew explains how his background in psychology shapes the way he works with clients, focusing on uncovering motivations and blind spots rather than simply facilitating a transaction. Clarity Over Pressure in the Buying Process: We discuss how Andrew challenges clients’ assumptions, respectfully “picks apart” wish lists, and helps them separate wants from needs before making a major financial commitment. Common Misconceptions Expats Have About the Irish Property Market: From assuming the asking price is fixed to believing money alone guarantees priority, we unpack the realities that often surprise buyers moving to Ireland. Understanding the Nuances of Sale Agreed, Booking Deposits & Legal Timelines: We step through what “under offer” and “sale agreed” really mean in Ireland, why booking deposits are not legally binding, and why timelines can be far longer than expected. Why Property is 90% People and 10% Bricks & Mortar: Andrew shares how sellers’ motivations, family dynamics, and personal circumstances can shape outcomes, and why understanding the human side of a deal is often the key to securing the right home. **Special Offer from Andrew** Taxbytes For Expats listeners will get 25% off their purchase of the Property Blueprint when you mention “ExpatTaxes” upon your purchase. Click the following link to access this deal: https://propertyplan.ie/. Get in touch with Andrew Rhatigan: LinkedIn: https://www.linkedin.com/in/andrewrhatigan/ Website: https://www.rre.ie/ Podcasts: “Shut the Front Door” / “Beyond Just Business” ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes for Expats (01:00) Meet Andrew Rhatigan – Psychology Meets Property (06:36) Clarity Over Pressure: What a Buying Agent Really Does (11:45) The Quirks of the Irish Property Market Expats Don’t Expect (14:05) Why Viewing Ireland on Holiday Isn’t the Same as Living Here (16:21) Relationship-Building vs Online Portals: How Property Really Works (17:47) Timelines & Legal Realities: Why Buying in Ireland Takes Time (19:25) Booking Deposits Explained – A Glorified Handshake? (23:36) Under Offer vs Sale Agreed – What’s the Difference? (24:55) From Survey to Signed Contracts – When It Becomes Legally Binding
#72
March 3 · 17 min
‘Plan B’ Passports, Crypto Mobility and Where Investment Migration Is Headed with Sandeep Nair of Vancis Capital (Part 2)
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. Sandeep also explains how these programmes can work economically for countries, what investors might realistically expect in terms of timelines and returns, and why trying to DIY this area (with or without ChatGPT) can create more problems than it solves. As ever, the key thing to note in our chat is that aligning the programme with your lifestyle, family, tax and long-term plans matters far more than chasing a headline benefit. Main Topics Discussed in this Episode Citizenship and Residency by Investment: Where Things Are Heading: Sandeep explains how these programmes are evolving globally, with more countries launching options and others tightening rules as demand increases. Why These Programmes Appeal to Crypto Holders: We discuss how increased regulation of crypto is driving investors to look for jurisdictions that recognise crypto and offer more favourable tax treatment. Economic Impact on Countries Offering These Schemes: The conversation looks at how citizenship and residency programmes can generate significant government revenue, particularly for smaller economies. Returns, Risks and Realistic Expectations for Investors: Sandeep breaks down what investors might actually get back financially, how returns differ by jurisdiction, and why these are not risk-free investments. Matching the Programme to the Individual, Not the Other Way Around: We focus on the importance of starting with lifestyle, family, tax and long-term goals rather than trying to force-fit a programme that looks good on paper. Get in touch with Sandeep Nair: Website: https://www.VancisCapital.com Instagram: https://www.instagram.com/vanciscapital/ LinkedIn: https://www.linkedin.com/in/sandeep-nair-0461974b/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes for Expats (00:49) Future trends in citizenship and residency by investment (01:06) Why crypto holders are rethinking mobility and tax (02:11) New programmes launching around the world (03:50) Do citizenship by investment programmes actually work for countries? (05:55) What investors can realistically expect in returns (07:51) Matching the right programme to the client’s objectives (08:03) The Irish investment migration programme – what’s changed (09:40) Why DIY approaches often go wrong (11:37) How long do these programmes really take? (12:56) Residency requirements versus lifestyle flexibility (14:19) Starting with lifestyle, family and long-term goals
#71
February 17 · 21 min
Global Mobility, Second Passports and What Citizenship by Investment Actually Means with Sandeep Nair of Vancis Capital (Part 1)
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 in this Episode: Sandeep’s Background and Entry into Global Mobility Planning: We start with how Sandeep moved into the world of residency and citizenship by investment, and why this space has grown so quickly in recent years. What Residency and Citizenship by Investment Actually Means: We break down what these programmes involve in practice, who they’re designed for, and why they’re very different from simply “moving abroad for a while”. Why People Seek Residency or Citizenship Options: We explore the key drivers behind these decisions, including global mobility, retirement planning, tax considerations and the growing concept of a “Plan B”. Popular Jurisdictions and the Types of Programmes Available: Sandeep outlines the regions and countries that come up most often, from Caribbean passports to European residency programmes, and what attracts people to each. The Need for Joined-Up Tax and Professional Advice: We discuss why immigration decisions have to be considered alongside tax, banking and structuring advice, and why oversimplifying residency can lead to costly mistakes. Get in touch with Sandeep Nair: Website: https://www.VancisCapital.com Instagram: https://www.instagram.com/vanciscapital/ LinkedIn: https://www.linkedin.com/in/sandeep-nair-0461974b/ ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes for Expats (00:47) Introducing Sandeep Nair and Today’s Topic (01:27) Sandeep’s Career Path into Global Mobility Planning (03:08) What Vancis Capital Does and Who These Services Are For (04:47) Defining Client Goals: Mobility, Tax, or a Plan B (06:23) Popular Countries Offering Residency and Citizenship Options (08:22) Why Immigration Planning Can’t Be Separated from Tax (11:09) Irish Tax Reality: Why “Leaving” Is Rarely Simple (12:40) European Residency, Retirement Planning, and Flat Tax Regimes (14:52) What a “Plan B” Really Means for Families and Individuals (17:10) Citizenship and Residency as a New Asset Class (20:34) Post-Pandemic Shifts and Rising Demand for Second Options
#70
February 3 · 24 min
Financial De-Risking, Free Advice Isn’t Free and What Expats Should Watch Out For with Paddy Delaney (Part 2)
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. If you haven’t yet, make sure you listen to Part 1 of my conversation with Paddy for all of his advice about financial planning, and to prepare you for this episode. Main Topics Discussed in this Episode: Challenging the “De-Risking” Myth Near Retirement: We unpack why automatically moving into lower-risk, middle-of-the-road funds as retirement approaches can actually reduce long-term outcomes, and why volatility isn’t necessarily the enemy if you’ve planned properly. The Importance of Planning Beyond the Investment Product: This is one of those areas where having a real plan matters — we talk about thinking through “what could go wrong,” having other assets to draw on, and avoiding forced decisions at the worst possible time. Advice vs Product Sales: How to Tell the Difference: We explore the key signals that distinguish genuine financial planning from a transactional product sale, including how advisors are paid and why “free” plans are rarely free. Fees, Transparency, and Asking the Right Questions: From hidden charges to headline Annual Management Charges that don’t tell the full story, we explain where fees really sit, why expats can get a nasty surprise, and the direct questions you should feel comfortable asking upfront. What Value for Money Actually Looks Like in Financial Advice: We discuss the wide spectrum of service levels in the market, what ongoing advice should include, and why paying more only makes sense if you’re genuinely getting engagement, insight, and support in return. Get in touch with Paddy Delaney Website: InformedDecisions.ie LinkedIn: https://www.linkedin.com/in/paddy-delaney-qfa-rpa-apa-73778969/ Podcast: https://www.informeddecisions.ie/podcasts ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes For Expats (01:20) Volatility, Market Drops, and Long-Term Returns Explained (03:29) Planning for the “What If” Moments Before They Happen (05:18) Buying an Outcome vs Having a Bespoke Financial Plan (05:57) Advice or Product Sale? How to Tell the Difference (07:13) Why “Free” Financial Advice Usually Isn’t Free (09:21) Asking Direct Questions About Fees and Commissions (10:35) What Value for Money Really Looks Like in Financial Advice (12:21) Transactional Investing vs Ongoing Advisory Support (15:06) Where Fees Are Hidden and How to Find Them (18:43) When Commission Works and When It Doesn’t (20:07) Final Thoughts, Exit Tax, and Key Takeaways for Expats
#69
January 20 · 21 min
Financial Advice for Expats in Ireland: Who to Trust and When You Actually Need It with Paddy Delaney (Part 1)
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 in this Episode: Understanding the Different Types of Financial Advice: We break down the often-confusing distinctions between financial advisors, brokers, planners, and independent firms, and why knowing the difference really matters before taking advice. How Incentives and Commissions Can Shape Advice: Paddy shares real-world insight into how remuneration structures can influence recommendations, highlighting why transparency and client-first intent are so important. Banks as a Source of Financial Advice: We discuss why banks are still a common and accessible starting point for advice in Ireland, along with the limitations that come from being tied to a single provider. When You Actually Need a Financial Planner: This is one of those areas where assumptions creep in, so we talk honestly about who benefits most from paid financial planning and when simple saving habits may be enough. Why Pensions Are the Obvious Starting Point in Ireland: We explore pensions as a tax-efficient investment tool, common issues with underperformance, and why understanding what your pension is doing over the long term is just as important as contributing to it. Get in touch with Paddy Delaney Website: InformedDecisions.ie LinkedIn: https://www.linkedin.com/in/paddy-delaney-qfa-rpa-apa-73778969/ Podcast: https://www.informeddecisions.ie/podcasts ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes for Expats (00:49) Introducing Paddy Delaney and Informed Decisions (02:35) Why Financial Planning Is Always Forward-Looking (02:48) Financial Planner vs Advisor vs Broker — What’s the Difference? (04:18) When Advice Is Driven by Commission, Not the Client (06:16) Banks as a Starting Point for Financial Advice in Ireland (07:27) Brokers, Product Choice and Tied Providers (08:29) What “Independent” Financial Advice Really Means (10:35) Why Titles and Qualifications Can Be Misleading (13:03) Do You Actually Need Financial Advice? (15:08) Why Saving and Pensions Matter Most Early On (18:56) Pension Performance, Underperformance and Long-Term Impact
#68
January 6 · 25 min
Banking, Taxes, Moving Back Post-Brexit and Rebuilding Life in Ireland with Michele Coleman (Part 2)
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 of Taxbytes for Expats, I’m joined again by Michele Coleman, a valued Expat Taxes client, as she shares the reality of returning to Ireland after decades living in the UK. Michele speaks candidly about what surprised her most, from banking and buying property, to moving her belongings, importing a car, and navigating everyday life back home. We talk through the practical lessons Michele learned the hard way: why having the right advisers early matters, how UK–Ireland differences can catch people out post-Brexit, and why planning currency transfers, removals, insurance, and car registration properly can save serious stress and cost. Michele also reflects on the emotional side of returning: resetting routines, rebuilding community, and adjusting expectations when “home” has changed. This conversation hit close to home for me, as my experience moving back from Australia was similar regarding the connection with friends and family when you return to Ireland not for a holiday, but for the long-term. Main Topics Discussed in this Episode: Buying Property and Banking on Returning to Ireland: Michele shares her experience navigating Ireland’s stricter banking system, the importance of existing accounts, and how having the right solicitor and advisers made the property purchase run smoothly. Moving Belongings from the UK Post-Brexit: We discuss the realities of international removals, why specialist experience and proper insurance matter, and the costly lessons Michele learned when things went wrong. Importing a Car and Avoiding Unexpected Taxes: Michele outlines what repats need to know about bringing a car from the UK, including registration timelines, exemptions, and the real risk of penalties if the process isn’t followed correctly. Tax Planning Between the UK and Ireland: We cover the importance of understanding double taxation, pensions, capital gains, and investment differences — and why getting tax advice well before the move is essential. Readjusting to Life Back Home: Beyond the logistics, Michele reflects on the emotional and practical side of returning to Ireland, from rebuilding routines and friendships to adjusting expectations about infrastructure and daily life. ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. ***** Chapters: (00:00) Welcome to Taxbytes for Expats (00:49) Buying Property and Re-Entering the Irish Banking System (02:34) The Role of Solicitors and Trusted Advisers (03:02) Moving Money from the UK to Ireland (04:32) Why the Right Support Network Matters When Returning (06:05) Key Lessons Michele Wishes She’d Known Before Moving (06:23) The Reality of Moving Belongings Post-Brexit (08:20) Insurance, Loss Adjusters, and Costly Removal Mistakes (10:00) What to Bring — and What Won’t Fit in Irish Homes (10:31) Importing a Car and Avoiding Registration Tax Pitfalls (13:30) Tax Planning, Double Taxation, and Pensions (17:46) Readjusting to Life, Community, and Expectations Back Home
#67
Dec 16, 2025 · 23 min
Moving Home, Comparing the UK & Ireland, and the Warmth of Irish Culture with Michele Coleman (Part 1)
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 of our lovely clients, Michele Coleman, an Irish woman who left for the UK over 30 years ago to build a brilliant career in teaching and special education, and who has now started the journey home. Michele shares why she always felt that pull back to Ireland, even while enjoying opportunities in the UK that simply wouldn’t have been available to her here at the time. We talk about the reality of coming back after decades away – the emotional side as much as the practical. Michele explains what’s different about day-to-day life in Ireland compared to the southeast of England, from pace of life and community to the small interactions that make you feel like you belong. There’s even a mention of how the Irish drive differently! Michele’s story will give you a very honest feel for what “home” can look like after so many years, and why the pull back to Ireland is so strong despite decades away. Main Topics: Michele’s Career Journey in the UK: Michele shares how a lack of opportunities in Ireland initially pushed her to the UK, where she built a long, successful career across mainstream and special education. The Emotional Pull of Returning to Ireland: Despite thriving professionally abroad, Michele describes a constant desire to return home, rooted in family, friendships, and a deep cultural connection. Life Transitions and Timing the Move Back: Michele speaks candidly about personal loss, retirement, and the moment she finally decided the time was right to buy a home in Ireland—even making the offer from Spain. Cultural and Lifestyle Differences Between Ireland and the UK: She reflects on the contrast in pace of life, accessibility, commuting, and social interactions, highlighting what feels distinctly Irish versus life in the southeast of England. Belonging, Community, and the Irish “Way of Being”: Michele and Stephanie discuss the everyday warmth, banter, and sense of community that define Irish life—and why those small moments matter so much to returning expats. ***** Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. *Click here for a special offer from our sponsor, Currencies Direct* ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. Chapters: (00:00) Welcome & Episode Intro (01:00) Meet Michele: An Irish Expat’s Story (02:00) Moving to the UK for Education & Career (03:40) Building a Career in Special Education (06:00) The Constant Pull Back to Ireland (07:15) Personal Loss & Reassessing Life Plans (08:40) Buying a Home in Ireland from Abroad (10:00) Career Opportunities vs Emotional Home (13:00) The Reality of Moving Back (15:00) Pace of Life: UK vs Ireland (17:00) Community, Connection & Cultural Differences (19:00) The Warmth of Irish Life & Final Reflections ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/services-and-pricing/.
#66
Dec 2, 2025 · 16 min
How Expats Can Navigate the Irish Property Market, Find Homes & Settle In with Grainne Convery (Part 2)
This episode is Part 2 of Stephanie's conversation with Gráinne Convery. For the full conversation, make sure you listen to Part 1 and subscribe to the podcast. In this second part of my chat with Gráinne Convery from the Cronin Group, we get into the real-life bits of relocating to Ireland: the things that don’t always show up on the official checklists but make a huge difference to your day-to-day experience. From unexpected cultural quirks to the very real challenges of the current rental market, Gráinne explains what regularly catches newcomers off guard and how her team step in to keep stress levels down. We talk about PPS numbers and opening bank accounts, moving pets, transferring driver’s licences, and even finding the right sports club for the kids. The key thing to note here is that timing matters: engaging services like Gráinne offers early gives you better outcomes, clearer expectations, and a much smoother transition. Gráinne also shares helpful insight on supporting spouses and partners who often feel the impact of a move most acutely. There's a significant emotional component to moving country that is sometimes missed entirely in the administration of it all. If you’re planning a move to Ireland, this episode will give you a grounded, realistic view of what to expect and the practical steps that make settling in so much easier. Main Topics discussed in this Episode: Cultural and Everyday Surprises for Newcomers: Gráinne highlights the small but significant cultural differences in home rental that often catch expats off guard. Settling-In Essentials Beyond Housing and Schooling: We walk through the practical tasks people overlook, from PPS numbers and bank accounts to utilities, driver’s licences, and even extracurricular activities for children. The Rise of Rental Scams and How to Avoid Them: Gráinne explains the very real issue of sophisticated rental scams and why working through a trusted relocation partner provides crucial protection. Supporting the “Trailing Spouse” and the Emotional Side of Relocation: We talk about the often-forgotten partner in a relocation and the importance of having someone to reach out to when navigating a new country feels overwhelming. How the Relocation Process Works Step-by-Step: Gráinne outlines their structured home-search and settlement process, from the first call to move-in day, showing how early engagement leads to a much smoother transition. ***** If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify. Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/. Chapters: (00:00) Welcome & Episode Intro (00:51) Cultural Surprises for New Arrivals (02:30) The Overlooked Essentials of Settling In (04:15) Rental Scams and How to Avoid Them (05:48) Why Early Engagement Matters (06:33) Supporting the Trailing Spouse (07:32) How the Relocation Process Works (09:46) What Documents You’ll Need (10:54) Moving Day Support & Handovers (11:24) How to Contact Gráinne (12:39) When to Start Planning Your Move (14:02) Final Thoughts on Life in Ireland Mentioned in this episode: Special Offer from our Trusted Partner, Currencies Direct This episode is brought to you by Currencies Direct, our trusted currency exchange partner when transferring currency to or from Ireland. Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct. Click here for Currencies Direct Special Offer

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