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A case study of an Irish professional whose U.S. citizenship blocked an investment account. Learn why some platforms refuse U.S. clients, how FATCA affects investors in Ireland, and what to consider before renouncing U.S. citizenship.
By Louise
A convincing “J.P. Morgan” deposit offer nearly cost a client €25,000. This real example shows how clone investment scams work and the simple checks that can help investors avoid costly mistakes.
By Ross
Lucy’s finances looked strong, but a growing concentration in Google stock meant her net worth was increasingly tied to one company. A phased, tax-efficient diversification plan reduced risk without selling everything, leaving her more balanced, confident
By Louise
Our priorities aren’t just spoken, they’re expressed through how we spend our time and money. This article explores declared vs revealed priorities, and why recognising the difference can lead to more deliberate, values-aligned financial choices.
By Ross
2025 rewarded patient investors. Despite a sharp spring sell-off and fragile sentiment, markets recovered strongly. Vanguard and Dimensional portfolios finished the year well, reinforcing the value of discipline, diversification, and ...
By Gary
At Christmas, giving often happens instinctively. This piece invites you to pause, reflect, and consider whether the way you give truly reflects what matters most to you.
By Ross
If you previously worked in the UK and now live in Ireland, changes to voluntary National Insurance contributions from April 2026 could affect your UK State Pension. Learn what’s changing, who it affects, and why it’s worth reviewing your
By Louise
Tech employees often hold significant employer stock, creating concentration risk. This blog explains why traditional index funds may not diversify that exposure and how DFA can help balance your portfolio with broader, more resilient sources of return.
By Gary
Tech employees often hold significant employer stock, creating concentration risk. This blog explains why traditional index funds may not diversify that exposure and how DFA can help balance your portfolio with broader, more resilient sources of return.
By Gary
The S&P 500 is up, but your euro-based S&P 500 ETF isn’t showing the same gains? This short blog explains how currency movements between the euro and US dollar impact your returns, and why long-term investors shouldn’t worry about short-term FX swings.
By Gary
The Government’s reduction of Exit Tax from 41% to 38% is being hailed as progress but in reality, it’s a cosmetic change that leaves Ireland’s investment tax system fragmented, inconsistent, and unfair to long-term investors.
By Team
Join Ross Curran (CEO) in conversation with New York Times bestselling author and creator of the 'Sketch Guy' column. Together, they dive into the fears, habits, and hopes that shape our financial lives
By Karen
Most come to fix a money problem but what if that’s just the surface? Carl & Ross explore how great advisors help clients look beyond the task, toward purpose. Because money’s just a tool—the real question is: what do you want to use it for?
By Karen
A first meeting can feel like a first date. Carl & Ross reflect on the balance between solving the problem and earning the trust to ask deeper questions. Sometimes purpose takes years to surface and that’s okay.
By Karen
What if your money had a meaningful mission? Carl & Ross explore the idea of a money mission statement—not carved in stone, but written in pencil. It’s not about getting it perfect. It’s about starting somewhere and letting it evolve over time.
By Karen
What’s all this for? In a world of constant pressure and comparison, Carl & Ross explore why there will never be enough money to outrun your fears,and how chasing others’ dreams can leave you wondering: what happened to me?
By Karen
AI can run the numbers but it can’t sit with you in the questions that matter. Carl & Ross explore the deeper role of a human advisor: not just planning, but pausing. In life’s threshold moments, what we need most is connection, not calculation.
By Karen
Carl shares the heart behind his new book: 101 sketches and essays that aren’t about money, but about meaning. It’s not a guide. It’s an invitation. Flip to any page, find a question, and start a conversation that matters.
By Karen
Join Ross Curran and “Sketch Guy” Carl Richards for an inspiring talk on redefining wealth-how money connects to our values, choices, and happiness, moving beyond AI to focus on the human side of finance and purposeful financial wellbeing.
By Karen
Child Saver Accounts are often marketed as simple, tax-efficient solutions — but are they really necessary? We explore the two main structures (Assignment vs Bare Trust), the hidden CRBOT registration requirements, and whether most families actually need
By Ross
When redundancy hit, Michael feared the worst. With expert planning, he gained €25k, kept his pension benefits, and found freedom, balance, and security.
By Team
Facing redundancy can be daunting, but knowing your rights makes all the difference. In this video, Ross Curran speaks with Caoimhe Heery, Employment Law Specialist to break down the key protections employees in Ireland should be aware of.
By Karen
In this chapter, Caoimhe Heery (Flynn O’Driscoll) explain how employers must follow a fair selection and consultation process during redundancy in Ireland. Learn what criteria can be used,and how consultation should be handled
By Karen
Ross and Caoimhe explore the differences between individual and collective redundancy. when collective consultation rules apply, what obligations employers have, and what employees should know about their rights.
By Karen
Learn how Irish employment law interacts with global company policies, what differences employees may see in process and packages, and what protections remain under Irish law
By Karen
Employee rights, how voluntary redundancy differs from compulsory redundancy, and key tips for negotiating terms and exit packages.
By Karen
This chapter breaks down what employees need to know about severance pay, statutory entitlements, tax treatment of redundancy payments, and how financial planning can help you make the most of your package.
By Karen
How to challenge an unfair redundancy, what protections exist under Irish law, and how your personal data must be handled during the process.
By Karen
In this closing chapter, we highlight the most important takeaways for employees, from understanding rights and entitlements to preparing for the next step with confidence.
By Karen
Being notified of redundancy can feel overwhelming. Alongside the shock, there are questions about your rights, your redundancy package, your pension, and how to protect your family’s financial security. Here are 5 smart steps to take right away
By Karen
The Irish Government is reviewing fund taxation, including the 8-year deemed disposal rule and the 41% exit tax rate. If reformed, funds could become as tax-efficient as direct shares, offering investors new opportunities to diversify and manage income
By Gary
One client was on track with his retirement savings but a simple oversight almost cost him €30,000 in lost tax relief. Here’s how we uncovered the mistake, what it means for him, and the lessons every pension saver should know
By Louise
Many Irish professionals in tech and life sciences hold U.S. shares or RSUs without realising the estate tax risk. If you pass away with more than $60,000 in U.S. assets, up to 40% could go to the IRS. Here’s what you need to know and how to plan ahead.
By Karen
Over the past 12 months, markets have swung sharply — from the “Trump bump” to tariff turbulence, sticky inflation, and shifting global growth. Here’s our take on what shaped markets, why diversification mattered, and what it means for long-term investors
By Gary
Think your DIY investment app has your tax reporting covered? Think again. For executives in Technology & Life Sciences, platforms like DeGiro and Revolut may offer convenience but they could also leave you exposed to costly tax risks.
By Gary
When a client asked whether they needed to report a college fund investment for their child to their employer, it opened up a bigger conversation about compliance rules in regulated industries. This blog unpacks who needs to disclose what and why
By Karen
Uncertainty can feel unsettling, but history shows that patience and perspective are powerful tools for investors. Learn why staying the course during challenging times can make all the difference.
By Gary
Thinking of using a “Child Gifting Account” to invest for your children or grandchildren? Before you act, find out what Revenue really says — and why a simpler approach might be all you need.
By Ross
Redundancy is challenging, but understanding your rights and engaging confidently with the process can make all the difference. This guide outlines what a fair redundancy looks like in Ireland and how to make thoughtful financial decisions at every step
By Team
A clear, accessible guide based on our expert video with Employment Law Specialist Caoimhe Heery. Learn what makes a redundancy genuine, what rights you have as an employee, and how to engage with the process confidently.
By Team
Facing redundancy? This expert interview breaks down your legal rights, entitlements, and next steps — tailored for professionals in Ireland’s tech and medtech sectors
By Karen
After a turbulent, but ultimately positive year for most investment markets, our approach to managing client money remains consistent
By Gary
We’re pleased to share that changes to our website are on the horizon. These enhancements will feature fresh, forward-thinking design and improved functionality, aligning with our innovative approach for the future.
By Karen
We’ve partnered with a trusted platform to bring you Portfolio View, a convenient and secure way to see all your policies in one place.
By Karen
Building strong, long-lasting relationships has always been at the heart of what we do. Our focus to provide tailored support as you work toward your financial goals, and it is in this spirit that we are excited to share some news
By Karen
When it comes to money, everyone wants a clear answer but the truth is, there rarely is just one. The right financial decision depends on your circumstances, your stage of life, and most importantly, your goals. Here’s why “it depends” is often the best
By Louise
Research has indicated a ‘magic age’ when your expertise and cognitive abilities align.
By Louise
As Irish Banks continue to drag their heels in passing on the ECB interest rates to savers, a new range of offerings are being presented to Irish Consumers. But are they what they seem?
By Gary
One of the frustrations for many of our clients who receive share options as part of their remuneration package is ensuring that they remain tax compliant. This article reviews the changes introduced in the 2023 Finance Act
By Ross
Many people start out managing their own investments. But as their earnings and assets grow, their financial needs and challenges become more complex—and continuing to go it alone could prove costly in terms of investing miscues.
By Gary
In businesses where gaining users drives success, establishing a strong market share may be like building a moat around profitability. But that doesn’t guarantee these companies can stay on top
By Ross
Last year, we worked with the family of a ‘bachelor’ who passed away peacefully at the age of 85. The value of his estate, made up of cash, investments and property was more than €5m, but no one, other than his solicitor, had any idea of his wealth.
By Ross
Sometimes it is easy to distinguish luck from skill. Other times, maybe it’s not so straightforward
By Ross
We hear this issue get discussed a great deal but usually from an impractical or theoretical perspective. But, as I’ve written, there are scientific insights that can help.
By Karen
We all deal with frazzled, harried, extremely stressed-out people… including ourselves. There are days where it feels like everything is going wrong and these are often the moments in any job, project, or career where you want to quit
By Karen
In a world where ‘getting rich’ for the sake of it is promoted as a noble ambition, we ask our clients to step away from that narrative. To ask WHY
By Louise
Using default US Stock Broking platforms (E-Trade, Fidelity, Merril Lynch etc.) to wire funds back to Ireland and converting them to Euro from Dollar along the way could be costing you hundreds in unnecessary fees.
By Gary
One might make you very wealthy, or not, while the other will probably help you reach your financial goals. Choosing the right option for you is not an easy task.
By Ross
Most employees in the Tech & Pharma industry hold a significant portion of their personal ‘wealth’ in the shares of the company they work for. Is that appropriate, and should you have an investment strategy that takes this concentrated holding
By Ross
As our clients progress through their career, a point comes where they find themselves working in some form of management capacity, either leading teams or departments, or taking the decision to start their own company
By Ross
It was a year that defied expectations by many accounts. A number of forecasts predicted that the US economy would enter a recession in 2023 as the Federal Reserve raised interest rates to fight high inflation
By Gary
Creating more alignment in our use of money starts with becoming the best spenders in the world.
By Ross
We work with individuals who, on the face of it, have no reason to doubt their ability, talent or position, but as we get to know them and explore their belief system, invariably some level of imposter syndrome is discovered.
By Karen
The increasing availability to financial news and commentary along with simplified trading processes has led investors to frequently time the market, resulting in ...
By Gary
The Magnificent 7 stocks (Alphabet, Amazon, Apple, Meta Platforms, Microsoft, NVIDIA, and Tesla) continue to capture the focus of investors as these large growth names have outpaced the bulk of global equities.
By Gary
This article delves into the relationship between merging finances and happiness within a relationship, presenting research that sheds light on this intriguing subject.
By Louise
The ‘Innovate Fundamentals’ Portfolio, available in CGT and UCIT structures, seeks to generate returns for investors by offering exposure in these areas
By Team
2021 has been a year of ‘ongoing recovery’ for individuals, society & economies. As is often the case, markets are further along the curve strong double-digit growth in most indices generating excellent returns for investors who have stayed the course
By Gary
Turning your business into a personal asset is one of the most powerful methods of wealth creation there is, and will make you work smarter than ever before
By Ross
Banks have started applying negative interest rates to corporate/business accounts. This fee can be as high as 0.65% per annum, meaning that businesses could be paying hundreds or thousands of euro simply to hold funds on deposit.
By Ross
One of the most common narratives of sustainable/green investing that we hear from fund managers and clients alike is that you have to sacrifice profit for ethics, which is to say that you can only have one or the other.
By Gary
In a world recovering from a prolonged period of collective trauma, the temptation to ‘let loose’ is balanced by a desire to make meaningful difference. In this article I present the opinion that, for investors, going green offers..
By Ross
We have been certified for the second consecutive year! AIBF accredited companies are defined as progressive, indigenous Irish businesses, which meet the highest standards of verified performance, trust and customer centricity
By Team
We take a look at our own portfolios and their long term benchmark performance against industry peers, the reason why markets have recovered so quickly (and whether it is truly sustainable) & changes to our funds that will benefit investors.
By Gary
Probably the most important reason why pension and savings accounts have recovered their value in the 6 months since stock markets collapsed, and why the risk level inside indexes, usually considered the most diversified and robust investment funds
By Ross
Gary advises on suitable investment portfolios for different levels of risk and requirements people may have.
By Gary
You probably haven’t heard of the Second Payment Service Directive regulation. However this innocuous sounding term has the potential to change the field of personal finance & banking forever, and today we saw the first example.
By Ross
Curran Futures are delighted to launch our new competition. It’s easy to enter and play and there are great prizes on offer, plus the chance to compare your ‘investment smarts’ against family and friends over the next two weeks.
By Karen
Right now, people are looking at ways to cut spending, especially with concerns over current and future income. This article answers some of the most common questions we’ve received about Life, Illness & Income Protection policies
By Fiona
At retirement most private pension holders are offered a choice to take a fixed, guaranteed income for life, known as an Annuity, or transfer the balance of their pension (after withdrawing the Tax Free Lump Sum) to an Approved Retirement Fund
By Ross
Following the release of recommended guidelines for businesses from the Department of Health, we have taken the decision to close the office from 5pm on Friday 13th March until March 29th or later, depending on additional instruction.
By Team
If you’re reading this then, as a human being, you’re looking for one thing above all others –certainty. Nothing gives more reassurance and comfort to a person than absolute certainty about what will happen in the future.
By Ross
You are no doubt well aware of the current fears over the Coronavirus ‘pandemic’ and may have heard of the impact on Global Equity Markets
By Ross
What a difference a year makes. We had a number of clients contact us to ask whether they should exit investment markets entirely and revert to cash
By Ross
At this time of year I enjoy nothing more than opening my email archive and pulling out the communications from January 2019 to see what the ‘experts’ were forecasting for the year ahead.
By Ross
Want to achieve your Financial Goals? Making them meaningful can be a great motivator..
By Ross
Concepts like ‘Retirement’ or ‘Savings’ are far too vague and lacking in meaning to act as a real incentive to change. Instead we need real world goals that are genuinely impactful and emotionally connected
By Ross
Green Reit shareholders approve sale of Irish property group for €1.9135 a share. Read here to learn more about what this means for you & the key tax considerations associated with the disposal of shares
By Gary
We were delighted to deliver our message of Financial Empowerment to a large and engaged audience when Ross presented ‘Realising Your Best Financial Future’ to the employees at Matheson Law Firm in Dublin
By Karen
There is a growing body of work that seeks to understand why it is that we put up so many barriers to our own best interests.
By Ross
As we approach October 31st, it is a very important time to take stock and see if you are in a position to reduce your income tax bill for 2018.
By Louise
We would assume that ‘actions’ from advice are agreed to and implemented quickly, but once again the reality is far less simple!
By Ross
The big difference between the advice you get from a Financial Planner and a Sales Person
By Fiona
What Cash-Flow Modelling and a Financial Plan in general does is show you the real impact of your decisions. It’s like holding up two images: One shows you the Future You if you don’t make the recommended changes; the other shows how it looks if you do.
By Ross
At its core, Cash-Flow Modelling looks at your income and your expenditure every year for the rest of your life, with the goal that at no point is spending higher than earnings.
By Ross
The Pain (and much larger Gain) of looking at your financial circumstances
By Ross
The second part of our series on 'Redefining your Financial Future' is titled 'What Can We Do To Help?' and, as with all things money-related, It's not as straightforward as you might think!
By Ross
In my first piece for this series I wrote about the motivations for going to see a financial advisor. I propose that it is not as simple a question as it first seems and that there are often a whole number of sometimes complimentary, but often conflicting
By Ross
The first episode of our 'Refining Your Financial Future Series' is titled ‘Why Have You Come Here’, where we explore the motivation(s) for coming to speak with a Financial Advisor and the importance of communicating those reasons effectively.
By Ross
The importance of understanding and recording your current financial position. No gain without pain I’m afraid!!
By Ross
In most walks of life, your arrival into the office or shop of a service provider clearly identifies a need that you have. If you arrive at the reception of a car showroom, it’s probably because you need a new car but if you make contact with
By Ross
We are delighted to receive accreditation's which meet the highest standards of innovation, verified performance, trust and customer centricity.
By Karen
As someone who has been writing blogs and creating content for a number of years now, it feels a bit strange to be writing what is effectively a ‘First Draft’ for our new website.
By Ross
We are delighted to be our launching our new website and look forward to working with you in the coming months.
By Ross