Everlake: Insightful Wealth Management Advice

Marc Westlake & John McNicholas (Everlake.ie)
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Everlake: Insightful Wealth Management Advice

At Everlake we build strong, long-term relationships with a core group of clients. We aspire to be the trusted wealth advisors to individuals, families, and businesses, guiding them towards financial security and fulfilment of their ambitions. Operating in an ethical and sustainable manner, and putting the interest of our clients first, our objective is to develop the future of financial planning in Ireland, setting the benchmark for integrity, innovation, and expertise. When you listen to this podcast, you get direct access to Marc Westlake and John McNicholas, the founders of Everlake. Their wealth management advice from decades of experience will help you find your comfortable, financial position and have your money support your life instead of the other way around. If you'd like to work with us, head to https://everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. DISCLAIMER: This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

  1. Avoid Greenwashing and Use Your Money for Real Impact As a Sustainable Investor with Gavin Francis

    1D AGO

    Avoid Greenwashing and Use Your Money for Real Impact As a Sustainable Investor with Gavin Francis

    In this episode, John McNicholas sits down with Gavin Francis, founder of Worthstone and a leading advocate for sustainable and impact investing in the UK. Together, they discuss what it really means to invest sustainably, the aspects of funds that are doing the right things for the planet, and how to avoid the buzzwords and glossy brochures. They explore how individual investors can align their money with their values, the difference between “doing less harm” and “doing measurable good,” and why terms like “impact” and “additionality” matter. Gavin shares real-world examples of companies making a difference, explains how regulation is catching up with investor intent, and offers honest insight into the challenges of measuring sustainability in a meaningful way. If you're committed to ESG investing or curious about what it all means, this conversation will help you decide where your money goes to make the biggest impact to your portfolio and the planet. Main Topics:What Sustainable and Impact Investing Really Mean: Gavin Francis breaks down the core concepts—intentionality, additionality, and impact—and explains how these differ from traditional ESG labels.How to Tell if a Sustainable Investment Is Making a Real Difference: John and Gavin discuss the importance of measurable outcomes, the challenges of greenwashing, and how investors can look beyond marketing to assess true impact.Balancing Morals and Money: Can You Do Both?: The conversation explores how sustainable investing isn't just about values—it can also be about smart economics and long-term resilience.Investor Psychology and Behaviour in Sustainable Markets: They examine how emotions, expectations, and FOMO (fear of missing out) influence decisions—and why time in the market still matters more than timing it.Why Financial Advisers Play a Key Role—and Why Many Are Hesitant: Gavin reflects on the advice gap, why some advisers are slow to adopt sustainable strategies, and how client interest may actually be outpacing adviser confidence. Find more about Gavin Francis and his work: Worthstone Website: https://worthstone.co.uk/ LinkedIn: https://www.linkedin.com/in/gavin-francis-worthstone/  Worthstone is independent of Everlake and the views and opinions expressed by Worthstone are not necessarily the views and opinions of Everlake. --- Thanks so much for listening to this episode of the Everlake podcast! If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. LinkedIn || YouTube || X (Twitter) || Bluesky This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following...

    49 min
  2. Choosing the Right Trust For Your Family’s Future with Andrea McNamara

    MAY 1

    Choosing the Right Trust For Your Family’s Future with Andrea McNamara

    In this episode, Marc Westlake is joined once again by Andrea McNamara, Director of Private Client Law at EY Law Ireland, for a deep dive into the world of trusts in Ireland. They explore when and why trusts are used, the differences between discretionary, bare, fixed, and life interest trusts, and the common misconceptions that can lead families astray. Andrea explains how trusts can be vital tools for protecting young children, providing for loved ones with additional needs, and ensuring smoother, more flexible estate planning. Marc and Andrea also discuss the pitfalls of outdated trust structures, the tax implications families need to be aware of, and the importance of tailored advice based on individual circumstances. Whether you're thinking about your will, planning for your family's future, or simply want to understand how trusts really work in Ireland, this conversation offers clear, practical insights to help you make more informed decisions. Main Topics:The Role of Trusts in Modern Estate Planning: Why Irish trust law is outdated, and how trusts are still critical tools for protecting beneficiaries and managing estates flexibly.Discretionary Trusts and Their Practical Uses: Protecting young children, vulnerable beneficiaries, and enabling post-death tax planning through discretionary structures.Bare Trusts and the Risks of Early Access: How bare trusts are often created unintentionally (e.g., saving for minors) and why parents need to plan for children gaining control at 18.Fixed Trusts: Pitfalls and Tax Inefficiencies: Why fixed trusts can lead to rigid outcomes and higher tax bills, and why they're generally unsuitable for young beneficiaries.Life Interest Trusts for Second Marriages and Family Homes: Structuring inheritances for blended families, protecting a surviving spouse, and using life interest trusts for tax-efficient property planning. EY Law is independent of Everlake and the views and opinions expressed by EY Law are not necessarily the views and opinions of Everlake. --- Thanks so much for listening to this episode of the Everlake podcast! If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. LinkedIn || YouTube || X (Twitter) || Bluesky This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

    27 min
  3. Investment Literacy: What you Need to Know to Grow your Portfolio

    APR 17

    Investment Literacy: What you Need to Know to Grow your Portfolio

    When it comes to investing, what should you really understand? And how much detail is enough? In this episode, Marc Westlake and John McNicholas unpack the importance of “Investor Literacy” - not in terms of mastering jargon or market timing, but in having the clarity and confidence to ask the right questions, understand the basics, and tune out the noise. From overconfidence and anxiety to tax traps and hidden costs, they explore how better knowledge (not more information) can help you become a more resilient, empowered investor. Whether you're just getting started or you've been investing for years, this conversation is a reminder that it's your money — and having some informed oversight can make all the difference. Main Topics: Financial News and Investor Anxiety: How headlines and constant media exposure can heighten emotional responses, distort perceptions of risk, and lead to poor decision-making — and why turning down the noise is often the best financial advice.The Spectrum of Investor Literacy: Exploring the risks at both ends: blind trust in advisors versus overconfidence in DIY investing. The sweet spot lies in having just enough knowledge to stay engaged, ask good questions, and make informed decisions.Core Pillars of Investment Success: Marc and John walk through the three pillars every investor should understand: cost, diversification, and tax — and how these factors drive long-term outcomes far more than market timing or “hot tips.”How to Identify Red Flags and Hidden Costs: Why transparency is essential when dealing with advisors or products — and how to spot vague explanations, bundled fees, and pre-packaged solutions that don’t reflect your personal goals or values.The Value of Asking the Right Questions: You don’t need to be an expert in tax law or fund structure — but knowing what to ask (and why it matters) can protect your wealth, build confidence, and ensure your financial plan is truly bespoke. --- Thanks so much for listening to this episode of the Everlake podcast! If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. LinkedIn || YouTube || X (Twitter) || Bluesky This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

    48 min
  4. Strategies to Teach your Kids about Money Management with Phil Wellington

    APR 3

    Strategies to Teach your Kids about Money Management with Phil Wellington

    In this episode, John McNicholas is joined by Phil Wellington of PortfolioMetrix to explore the often-overlooked subject of teaching children about money. From pocket money ledgers to the challenges of a tap-to-pay world, they share personal stories, practical strategies and lessons passed down from their own parents to help teach kids about money management. Together, they unpack the importance of giving children a tangible understanding of spending, saving, and delayed gratification — even in an increasingly digital financial environment.  As parents in the modern world, Phil and John’s advice can help you start early with your own kids and help them build healthy financial habits that will last a lifetime. Main Topics: Pocket Money and Early Savings Lessons: Phil shares how his father sparked a lifelong interest in money through simple tools like ledgers and upfront interest — a playful but powerful introduction to saving.Why Tap-to-Pay Makes Money Feel Invisible: The conversation highlights how digital payments can obscure the real value of money for children — and what parents can do to make it more tangible.Cash, Consequences, and Making It Real: From handing over €20 in cash before a shop visit to choosing what to put back at the till, Phil and John discuss ways to help kids grasp the idea of limits and trade-offs.Turning Everyday Questions into Financial Education: Whether it’s “How much do you earn?” or “How much did the oven cost?”, John shows how family conversations can build financial literacy in a natural, age-appropriate way.The Power of Repetition, Routine, and Humour in Financial Learning: From piggy banks to “coin jar” app ideas, the episode explores how small, regular money habits can grow into lifelong skills — with room for humour and mistakes along the way. --- Thanks so much for listening to this episode of the Everlake podcast! If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. LinkedIn || YouTube || X (Twitter) || Bluesky This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

    22 min
  5. Practical Strategies for Managing Financial Risk in 2025

    MAR 20

    Practical Strategies for Managing Financial Risk in 2025

    In this episode, Marc Westlake and John McNicholas discuss the practical considerations of managing financial risk, a continuation of their previous discussion on understanding financial risk in Ireland. They emphasise the importance of understanding personal risk factors and the bespoke nature of risk management in wealth management and investment. They also highlight the dangers of relying on presumed ‘low-risk’ assets like cash, bank deposits, or property, which may not keep pace with inflation. Instead, they advocate for a diversified investment strategy that is aligned with an individual's specific financial situation and goals. This discussion highlights the importance of consulting with a wealth management adviser to navigate these risks and make informed decisions that align with your personal circumstances. Main Topics: Financial Risk Management - distinguishing between low-risk assets like cash and annuities versus property, and the risks associated with inflation over the long term.Investment Strategies for Retirement - the importance of managing risk leading up to and following retirement. The risk of stock market fluctuations is less significant for those who are still decades away from needing to access their savings.Personal Rate of Inflation - how it varies depending on individual lifestyle choices, spending habits, and life stages, contrasting with the general EU inflation rates.Individual Financial Circumstances - the importance of understanding personal financial risks, which vary greatly depending on factors such as pension types, anticipated inheritance, and personal health.Role of Financial Advice - Financial Advisers help individuals understand and plan for their specific financial risks and avoid common pitfalls like treating investing as gambling. --- Thanks so much for listening to this episode of the Everlake podcast! If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. LinkedIn || YouTube || X (Twitter) || Bluesky This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

    20 min
  6. The Power of Estate Planning: An Introduction with Andrea McNamara of EY Law

    MAR 6

    The Power of Estate Planning: An Introduction with Andrea McNamara of EY Law

    Estate planning isn’t just about writing a will—it’s about securing your financial future, protecting your loved ones, and making informed decisions that minimise tax liabilities. In this episode, Marc Westlake sits down with Andrea McNamara, Director of Private Client Law at EY Law Ireland, to explore the crucial role estate planning plays for individuals and business owners alike. As a chartered tax advisor, trust and estate practitioner, and qualified barrister, Andrea brings a wealth of expertise to the conversation. Together, Marc and Andrea discuss common estate planning pitfalls in Ireland, the importance of working with specialists, and how Everlake collaborates with professionals like Andrea to provide a seamless, strategic approach to wealth management. They also highlight key considerations around wills, trusts, enduring powers of attorney, and intergenerational wealth planning. Main Topics:Why estate planning matters – The key benefits of structuring your wealth for future generations.Common mistakes people make – From delaying a will to overlooking tax implications.Enduring Powers of Attorney – Why recent legal changes have made this more complex but even more essential.How Everlake & EY Law collaborate – A joined-up approach to wealth and estate planning.The best estate planning advice? – Spend your money wisely and enjoy it while you can! EY Law is independent of Everlake and the views and opinions expressed by EY Law are not necessarily the views and opinions of Everlake. --- Thanks so much for listening to this episode of the Everlake podcast! If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. LinkedIn || YouTube || X (Twitter) || Bluesky This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

    17 min
  7. Getting Perspective on your Financial Risk

    FEB 17

    Getting Perspective on your Financial Risk

    Understanding risk in your finances is hard enough, but to know if you're making the right move while taking a risk is difficult without the right advice. In this episode of the Everlake podcast, hosts John McNicholas and Marc Westlake discuss the complexities of understanding and managing risk in financial planning. They cover various types of risks investors face, including the risk of losing capital permanently, longevity risk, and the risk of inflation. They also highlight the importance of differentiating between perceived risks such as market volatility and more significant risks like outliving one's resources. Practical advice is given on assessing personal risk, considering timelines, and the potential benefits of a hybrid approach to retirement planning, such as combining investments with guaranteed income products. Main Topics: Definition and Understanding of Risk in Financial PlanningHistorical Perspective on RiskPersonalized Risk AssessmentRetirement Planning and RiskAnnuities and Risk Management Strategies Thanks so much for listening to this episode of the Everlake podcast! If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. LinkedIn || YouTube || X (Twitter) This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

    30 min
  8. Why You Need the Experts for your Investments with Phil Wellington & PortfolioMetrix

    FEB 6

    Why You Need the Experts for your Investments with Phil Wellington & PortfolioMetrix

    There's a reason why investment portfolios are sometimes delegated to the experts: you need someone with experience of both Asset Allocation and fund selection decisions. In this episode, John McNicholas is joined by Phil Wellington, a Chartered Financial Analyst, Director and Investment Analyst at PortfolioMetrix. Phil has maybe an unconventional journey to his current role in investment management. Partnering with Portfoliometrix allows Everlake to define and customise portfolio construction and implementation in a consistent and repeatable manner specific to the particular needs, such as optimised for Irish tax, or values, such as sustainable investing, of a particular client. Main Topics: Introduction and Background of Phil WellingtonDay-to-Day Responsibilities of a Portfolio ManagerConcept of Asset AllocationDiversification in Investment PortfoliosInvestment Strategies and Risk Management To find out more about PortfolioMetrix and Phil Wellington, head to https://www.portfoliometrix.com/. PortfolioMetrix is independent of Everlake and the views and opinions expressed by PortfolioMetrix are not necessarily the views and opinions of Everlake. --- Thanks so much for listening to this episode of the Everlake podcast! If you'd like to work with us, head to https://www.everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. LinkedIn || YouTube || X (Twitter) This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

    55 min
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About

At Everlake we build strong, long-term relationships with a core group of clients. We aspire to be the trusted wealth advisors to individuals, families, and businesses, guiding them towards financial security and fulfilment of their ambitions. Operating in an ethical and sustainable manner, and putting the interest of our clients first, our objective is to develop the future of financial planning in Ireland, setting the benchmark for integrity, innovation, and expertise. When you listen to this podcast, you get direct access to Marc Westlake and John McNicholas, the founders of Everlake. Their wealth management advice from decades of experience will help you find your comfortable, financial position and have your money support your life instead of the other way around. If you'd like to work with us, head to https://everlake.ie/ and follow the instructions to book a consultation. If you enjoy this podcast, please share it with a friend or colleague and leave us a rating & review on your podcast app. DISCLAIMER: This podcast is intended for information and educational purposes only and does not represent a specific recommendation or advice for an individual to follow. Speak to your financial adviser, in the context of your own personal circumstances, prior to making any financial or investment decisions. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

Information

  • Creator
    Marc Westlake & John McNicholas (Everlake.ie)
  • Years Active
    2024 - 2025
  • Episodes
    17
  • Rating
    Clean
  • Copyright
    © Copyright 2025 Marc Westlake & John McNicholas (Everlake.ie)
  • Show Website
    Everlake: Insightful Wealth Management Advice

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