An Enduring Power of Attorney (EPA) is the planning step most Irish adults never get to — only around 8% have one, against roughly a third who’ve made a will. Yet if you lost capacity tomorrow, it’s the document that decides whether the people you trust can actually act for you, or whether your family ends up in front of the Circuit Court.

Paddy Delaney is joined by Áine Flynn, Director of Ireland’s Decision Support Service, for a clear, practical conversation about planning ahead. If you’re approaching retirement with assets to protect, this one matters.

In this episode:

• Why your next of kin can’t automatically step in — and what an EPA changes

• The joint-account trap most couples assume protects them

• What it costs (€30 to register, €90 to activate) and how the DSS process works

• The “holy trinity” — will, EPA and Advance Healthcare Directive — and what each one covers

If you want genuine clarity on protecting yourself and the people you love, whatever happens, this episode is for you.

📊 Want to check where you are? Try our free 5-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator

📅 Find out how we work: https://www.informeddecisions.ie