Welcome to Ireland's only dedicated and straight-talking Personal Finance & Financial Planning Blog. We are on a mission to make a positive difference and to help people take control of their finances in a meaningful way. If you have a suggestion, question or feedback for us please do drop me a mail here, love to hear from readers.This week we are joined in conversation with Eric Brotman from US-advisory form Brotman Financial. He is a straight-talker and refreshing to hear the perspective from 'across the water'.Eric shares with us many ideas and helps answer many questions including:

• How best to prepare for 'graduating into retirement'
• How to manage investments prudently into retirement
• What is Fiduciary Advice and how does it differ to other types of financial advice
• Should I invest a lump sum or clear my Mortgage

He also tells us a little about the challenges faced in the US with the infamous 'student loans' situation, which if nothing else might make you feel a little better about your own situation!Thanks for checking it out......Paddy DelaneyQFA | RPA | APA | Qualified CoachEric's Disclosure:Eric offers securities through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS and Kestra AS are not affiliated with Brotman Financial Group or any entity referenced herein. Neither Kestra IS nor Kestra AS provide tax or legal advice. The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results.