1 rich Libsyn https://www.libsyn.com 90 600 Most people with significant pension assets have no real idea what their financial advisor earns from their money. Not because the information is illegal to share — it isn't — but because the system is designed in a way that makes it genuinely difficult to see. In this episode, Paddy looks at how commission structures work in Irish financial advice, why the difference between a percentage and a euro figure matters enormously, and what a truly transparent client-advisor relationship should actually look like. Key points covered: How initial and trail commissions work on Irish ARFs, pensions and investment products — and what those percentages look like when converted into real euro figures Why the structure of commission-based advice creates a conflict of interest that isn't malicious, but is very real The difference between a suitability standard and a fiduciary duty — and why that distinction could be worth a significant amount of money to you A real client story: a couple who were being advised to keep working and keep contributing, when in fact they already had enough to retire comfortably What good transparency would actually look like — and the three questions every investor should be asking their advisor right now I hope it helps. Informed Decisions Independent Financial Planning &amp; Money Podcast https://www.informeddecisions.ie/the-blog <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/40595740/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/content/200008895