@danmalonemoney: Another day, another LinkedIn post missing the point entirely. Here’s the reality: Emergency Fund & Pensions: Always come first. (Why I built a free site to help you find the best rates on savings in Ireland). Long-term Wealth: A single, low-cost global ETF requires zero active management/rebalancing and outperforms high-fee life funds over long horizons. That ain't an opinion, it's math. (don't wet the bed CFPs, obviously that doesn't mean it's the best port of call for every single person on the planet in every single scenario 🤦‍♂️) Financial Advice: I have no issue with financial planning or working with an advisor. Never said I did. If you feel you need it, then go for it. What I actually have an issue with is brokers confusing plan creation with selling high-fee investment products for commission. You can implement the plan with low-cost ETFs, so do it. It is mathematically indefensible to implement a financial plan using high-fee life funds over equivalent ETFs. Change my mind. 👇

Dan Malone

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Thursday 24 September 2026 12:00:00 GMT

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Comments

davidmccarthhy :

It’s not about beating the index. You’re paying for risk profiling, ongoing personalised advice, pension/tax planning + admin (incl. deemed disposal), and behavioural management. Compare total outcome, not just AMC.

2026-09-25 08:07:42

Liam Murphy :

I'd a discounted Financial Review with Alpha Wealth 2.5 yrs ago. They gave sound advice regarding getting best return on savings etc and highlighted the importance of pension contributions and EIIS investments but I did feel I was being sold a Zurich pension product which I didn't follow up on. It gave me a great understanding though and I would recommend a review with them, but it's like prep school for your advice, you save people thousands more (if they have their head screwed on) and for free. Thanks Dan and thanks Alpha Wealth, it should be mandatory to do a financial review!

2026-10-11 21:10:42

L :

nicely put!

2026-10-01 22:15:36

You_Don't_say :

Great advice 👍

2026-09-24 16:25:58

seanrethinkmoney :

...you'll like what we have coming

2026-09-24 12:07:37

user1503779713996 :

Prosperous has to be the worst. They literally target vulnerable people to charge a fee for commission led advice with the highest amc in the market

2026-09-25 19:43:30

EC :

They see their easy money being made on the back of ignorance being eroded. Keep up giving great advice, Dan.

2026-09-25 04:31:59

Swarbalicious 🇮🇪 :

They are lightweights

2026-09-24 22:10:09

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