Wealthtalk

In this episode of WealthTalk, Christian Rodwell is joined by Omar Aswat, Chartered Tax Adviser and founder of ASWATAX, to unpack the urgent changes coming to Business Property Relief (BPR) in April 2026 and what they mean for business owners and property investors. Omar explains how the new BPR limits could expose significant business value to inheritance tax, highlights the practical steps you should be taking now, and delves into strategies like family investment companies, trusts, and smart incorporation. The discussion also covers the impact of Section 24 on landlords, practical tax-saving tips for business owners, and succession planning tools for those looking to future-proof their wealth. Whether you’re scaling a business, building a property portfolio, or planning your exit, this episode is packed with actionable insights to help you stay ahead of the curve.Key TakeawaysMajor Change to Business Property Relief (BPR) in 2026From April 6, 2026, BPR will only exempt £1 million of value per trading compa

In this episode, Kevin and Christian break down 21 practical ways to generate recurring income, drawing on the WealthBuilders “Seven Pillars of Wealth” framework. They explore both traditional and entrepreneurial strategies, offering actionable ideas for homeowners, business owners, investors, and anyone looking to build more reliable income streams. Whether you’re just starting your wealth-building journey or looking to diversify, you’ll gain fresh insights, real-life examples, and clear steps to help you take action and move closer to financial independence.Key TakeawaysThe Seven Pillars of Wealth:Understand the core asset classes—home capacity, pensions, investments, property, business, intellectual property, and joint ventures—and how each can generate recurring income.21 Practical Income Ideas:Learn actionable strategies within each pillar, from renting out a room in your home to leveraging intellectual property and collaborating on joint ventures.Traditional vs. Entrepreneurial Pillars:Discover the diff

This week marks a major milestone for WealthTalk as Christian Rodwell and Kevin Whelan celebrate the 300th episode of the podcast. The duo reflect on six years and seven months of weekly episodes, share key listener stats, and discuss how WealthBuilders has evolved—and where it’s headed next. They highlight the importance of family, recurring income, and legacy, and preview upcoming changes in content and focus, including the impact of new inheritance tax rules and the growing relevance of women in wealth. Listeners are invited to join the conversation, share feedback, and help shape the future of WealthTalk.Key Topics CoveredCelebrating 300 Episodes:Launched in February 2019; over six years of consistent weekly content.Gratitude to loyal listeners, including some who have listened to every episode—twice!Top 3 Most Downloaded Episodes:How to Create a Family Trust Fund (Ep. 122, with Paul Brooks)From Zero to £20,000 a Month – A Property Journey (with Heather Smale)The Seven Pillars of Wealth (Kevin’s book and

In this episode, Christian Rodwell speaks with Tracy Hilliard about the unique challenges women face on the journey to financial independence. Tracy shares her personal transformation—from financial insecurity to independence in under five years—and discusses the societal, educational, and confidence-related barriers that often hold women back. The conversation also introduces the WealthBuilders for Women programme, designed to provide tailored support, education, and community for women ready to take control of their finances.Key Topics CoveredWhy Wealth-Building is Different for WomenThe impact of societal expectations and traditional rolesLack of confidence and financial educationThe gender pay and pension gaps, and their long-term effectsBarriers to Financial IndependenceGender pay gap: women earn on average 13% less per hourPension gap: women’s average pension pot is less than half men’s (£39k vs £84k)Women typically live longer, requiring more financial security in later lifeTracy’s Wealth JourneyStarte

In this week’s episode, we take a new approach—using AI to debate and unpack Kevin Whelan’s “The 7 Pillars of Wealth: Your Guide to Complete Financial Independence in the 21st Century.” Drawing on the WealthBuilders philosophy, we explore the actionable blueprint for building lasting wealth, why the old rules no longer work, and how anyone can start their journey to financial independence—regardless of their starting point.Key Topics Covered:The 21st Century Wealth ParadigmWhy wealth-building today is about more than just accumulating moneyThe shift from individual to collaborative wealth creationKevin Whelan’s Blueprint: The Pantheon AnalogyThe structure: a solid foundation, seven pillars, and a protective roofThe guiding principle: Never let a month go by without building wealthThe Foundation: Financial SmartnessFour key areas:Debt smart: Manage or eliminate debt strategicallyTax smart: Use tax advantages legally and intelligentlyBill smart: Optimise regular expenses to free up capitalSure smart: Protect yo

In this episode of WealthTalk, Christian Rodwell sits down with Paul Tinker, founder of the Construction Training Academy. Paul shares his journey from a disciplined career in the army to delivering over £300 million in construction projects and eventually launching a business focused on training and mentoring others in the property and construction sectors.Paul uncovers the biggest overlooked opportunities in the industry—emphasising the importance of business acumen over technical skill, and the value of bridging the gap between property developers and construction professionals. He introduces his “CLARITY” framework for project pricing and management, which has helped clients dramatically increase their project values and professionalism.Listeners will hear Paul’s practical insights on creating income streams beyond hands-on building, such as consulting, project management, and pre-construction services. He also discusses leveraging pensions for property investment, the critical role of mindset and communi

In this episode, Christian and Kevin revisit the hot topic of the government’s proposed inheritance tax (IHT) changes affecting pensions from 2027. Following a surge in listener interest, they clarify what’s changed, who’s now responsible, and what practical steps listeners must take to protect their wealth and family.Key Discussion Points:Background:The government plans to tax pensions on death, a major shift from past policy.The responsibility for reporting and paying this tax will now fall on personal representatives (executors), not financial services companies.Why This Matters:Most executors are chosen for trust, not financial knowledge.Executors are now legally liable for getting it right – mistakes could mean personal financial penalties.Practical Risks:Many people don’t know where all their pensions are or which are taxable.Appointing a professional executor (like a bank) could cost families a significant portion of their inheritance, sometimes unnecessarily.Action Steps:Review your will and your choi

In this episode, Christian Rodwell welcomes Chris Spratling—seasoned entrepreneur, advisor, and author of “The Exit Roadmap: The Insider’s Guide to Selling Your Business Profitably.” With over 30 years’ experience in scaling, buying, and selling businesses, Chris shares vital insights on preparing for a successful business exit, maximising value, and planning for life beyond the sale.Key Topics & TakeawaysChris’s Background & Relationship with WealthBuildersOver 30 years’ experience in business exits and scalingLongstanding collaboration with Kevin Whelan and the WealthBuilders communityThe Seven Pillars of Wealth & Business as a PillarImportance of integrating business, property, and intellectual property in wealth strategiesUsing SSAS pensions and commercial property for long-term planningWho Chris HelpsFocus on ambitious SME owners (turnover £2M–£30M)Chalk Hill Blue’s approach to scaling and preparing businesses for exitWhy Most Business Owners Struggle to Exit Successfully80% of personal wealt

In this episode, Christian Rodwell sits down with insurance expert Josh Munt to explore the often-overlooked world of insurance for property investors, business owners, and professionals. Josh shares practical tips, common pitfalls, and actionable strategies to ensure you’re properly covered—without overpaying or leaving yourself exposed.Key Discussion PointsJosh’s Background & Core Audience:20+ years’ experience as a specialist insurance brokerFocus on property professionals and commercial clientsWhy Insurance Matters:The real purpose: making sure claims are paidWhy underinsurance is so common (76% of UK buildings are underinsured)Most Common Mistakes:Incorrect Rebuild Values:Many insure for market value, not rebuild costRebuild values have risen sharply post-COVID; regular reviews are essentialTools and affordable surveys for accurate valuationsTenant Type Disclosure:Changing tenants (e.g., from office to restaurant or social housing) alters riskNot notifying insurer can lead to denied claimsIgnoring Po

In this inspiring Member Spotlight, Christian Rodwell talks to Bimbi Fernando, a transplant surgeon who joined WealthBuilders Academy in February 2021. Bimbi shares his journey from financial insecurity during the COVID-19 pandemic to achieving financial independence in 2024. He discusses the catalysts for change, the asset classes he focused on, the importance of education and community, and how he’s now using his experience to build a purposeful legacy.Key Topics CoveredCatalyst for Change: How the COVID-19 pandemic and personal experiences highlighted the need for financial security and protection for loved ones.Choosing WealthBuilders: The journey from property education to discovering the WealthBuilders community, and the support received from Kevin Whelan and Christian Rodwell.Financial Independence Roadmap:Moving from financial insecurity (despite a well-paid job and existing properties) to security and then independence.Leveraging property, investments, and innovative financial tools (e.g., Director’s

In this week's WealthTalk episode, Christian and Kevin dive deep into the major changes coming to inheritance tax on pensions from April 2027. They explain how these changes impact UK pension holders, why awareness and action are critical, and practical steps to protect your legacy. The discussion covers the basics of inheritance tax, the new rules for pensions, the benefits of consolidating pensions, and how SSAS pensions can offer unique advantages for business owners and families. The episode is packed with actionable advice, real-life scenarios, and essential tips to help listeners safeguard their wealth for future generations. Key Takeaways:1. What’s Changing: From April 2027, pension assets will be included in your estate for inheritance tax purposes, potentially increasing tax bills for families.2. How Inheritance Tax Works: Understanding nil rate bands, residence nil rate bands, and how thresholds apply to individuals and couples.3. Why Consolidate Pensions: Multiple pensions can mean multiple fees an

In this episode, Christian Rodwell welcomes Alex Norian (founder of IWN Accountancy) and Ben Lansdown (Director of Analytics, IWN Analytics) to discuss the evolving landscape for UK property investors and landlords.They explore the challenges of property portfolio management, regulatory changes, and how landlords can use data-driven tools to optimise performance and profitability.Alex and Ben introduce “Landlord Pulse,” a new analytics platform designed specifically for landlords, and explain how it empowers both new and experienced investors to make smarter decisions with real-time insights.Key Takeaways:Treat property investment as a professional business, not a passive sideline.Use data-driven tools to make timely, informed decisions.Benchmark your portfolio against local market data to spot opportunities or risks.Focus on both cash flow and long-term capital growth.Build relationships with professionals and peers to uncover new opportunities.Resources mentioned in this episode:Recurring Income Masterclass

In this interview, Kevin Whelan and Manish Kataria delve into the intricacies of SSAS pension, exploring how it can serve as a powerful financial tool for business owners. They discuss the importance of taking action in financial planning, the benefits of collaboration in wealth building, and the implications of inheritance tax on financial strategies. The conversation emphasises the need for financial education and the potential of SSAS pensions to create wealth now, rather than just serving as a retirement fund. In this episode, Kevin speaks about the importance of recurring income, effective financial planning, and the significance of protecting wealth through wills and insurance.  Key Takeaways:Momentum is Better than Meditation: Don’t wait for the perfect time—take small actions now to build confidence and results.Nobody Will Ever Care About Your Money More Than You: Taking personal responsibility is at the heart of successful wealth-building.SSAS Pensions Offer Unique Control and Flexibility: Ideal for

Welcome to another insightful episode of Wealth Talk, where we explore the strategies, tools, and mindset shifts that help you build lasting wealth. This week, host Christian Rodwell is joined by Karen Williams, book mentor and founder of Librotas, who helps coaches, consultants, and business owners turn their ideas into impactful books that elevate their authority and attract new opportunities.Key Topics & Takeaways:The Real Value of a Book:Why books rarely make you rich from sales alone, but can transform your business as part of your wider intellectual property and personal brand. Who Should Write a Book?Ideal candidates, including entrepreneurs, coaches, consultants, and CEOs seeking to boost their credibility and open new opportunities. Karen’s Story:How publishing her first book changed her business, and why the process is both easier and more competitive today. Unexpected Opportunities:Real-life client stories—from global speaking gigs to film projects—that started with publishing a book. Practical

Welcome to another insightful episode of Wealth Talk, where we explore the strategies, tools, and mindset shifts that help you build lasting wealth. This week, host Christian Rodwell is joined by Paul Green, a former airline pilot turned sales strategist, who now helps entrepreneurs grow their businesses by building genuine connections through WhatsApp.Key Topics & Takeaways1. Paul’s Entrepreneurial JourneyFrom losing his pilot job during the pandemic to launching a resilience training business.Creative outreach with Lego and QR codes led to unexpected NHS conversations and a £3M contract offer.2. Why WhatsApp?92% of the UK population uses WhatsApp.Achieves up to 95% open rates—far surpassing email and phone.It’s where real conversations and relationships happen.3. Sales & Marketing ‘Flight PlanAdapting aviation principles: Takeoff (initiate), Cruise (nurture), Landing (close the sale).Automation should enhance—not replace—the human experience.4. Humanising Your MessagingUse video, voice notes, and ev

Welcome to another insightful episode of WealthTalk, where we explore the strategies, tools, and mindset shifts that help you build lasting wealth. This week, host Christian Rodwell is joined by Jon Rumens, founder of FocusMe, a powerful tool designed to help individuals and businesses master their time, block distractions, and supercharge productivity.Key Topics Covered:The Time Trap: Why distractions and poor time management are the #1 reason people struggle to build wealth.Jon’s Wealth-Building Story: How joining a Property Mastermind inspired Jon to set up a SSAS pension and invest in property and business ventures.Birth of FocusMe: Jon’s frustration with digital distractions led him to build FocusMe—a robust tool that blocks time-wasting sites and helps users stay on task.Recurring Income & Freedom: Jon’s transition from side hustle to full-time entrepreneur, and why recurring income is key to flexibility and financial independence.ReclaimTime for Teams: How Jon expanded his focus tool for businesses

Welcome to another insightful episode of Wealth Talk, where we dive into the vital role of cash in building a resilient financial plan. This week, host Christian Rodwell is joined by Giles Hutson, co-founder and Executive Chairman of Insignis Cash. With a wealth of experience in investment banking and entrepreneurship, Giles shares practical strategies for optimising cash, managing risk in retirement, and future-proofing your financial decisions in a changing economic landscape.Key Topics Covered:The founding story of Insignis Cash and its mission to simplify access to the UK banking system.How Insignis helps clients diversify risk and optimise returns through a multi-bank platform.The importance of cash in retirement planning and managing sequencing risk.Insights into cash strategies for SSAS pensions and the FCA’s Retirement Income Review.Predictions on the future of interest rates and their impact on savers.How technology and AI are shaping the financial services industry.Tips for navigating the risk of ba

Welcome to another insightful episode of Wealth Talk, where we explore the world of creative property strategies with Paul Stapleton. Paul shares his inspiring journey into entrepreneurship, discussing how he built a property company, launched a training academy, and established event businesses. This episode is packed with actionable insights and innovative strategies for those looking to succeed in the ever-changing property market.Topics Discussed:[00:00] Creative Property Strategies Unveiled – Paul introduces his approach to property investment.[05:09] The Journey into Entrepreneurship – How Paul’s entrepreneurial spark was ignited by The Apprentice and his focus on tenanted properties.[10:57] Exploring Fractional Sales and Overage Sourcing – Breaking down properties for individual sales and earning uncapped commissions.[25:29] Understanding Assisted Sales – Simplifying the process for investors and achieving significant ROI.[30:42] Simplifying Property Training – Making property education actionable and

In this episode of WealthTalk, Christian Rodwell is joined by Anthony Bailey-Grice, Managing Director of LNPG, the UK’s largest buying group exclusively for private landlords. Anthony shares the origin story of LNPG, born from the challenges private landlords face when trying to secure fair pricing and high-quality products, and how the company has grown into a powerful resource for landlords seeking better margins and stronger supplier relationships.Anthony explains how LNPG leverages contract pricing to unlock exclusive savings, why a tiered membership model supports landlords at every stage, and the importance of recurring income in building a sustainable business. He also highlights how onboarding and education—through monthly webinars and a thriving Facebook community—play a crucial role in helping members maximise the value of their membership.Whether you’re a seasoned landlord or just starting out, this episode offers a behind-the-scenes look at how LNPG empowers its members with access, knowledge, and

In this episode of WealthTalk, we’re joined by Jay Papasan, bestselling co-author of The One Thing, who reveals how mastering focus and embracing fear can be powerful drivers of success in business and life. With host Christian Rodwell, Jay shares his journey from being a book editor to building wealth as an entrepreneur, and how shifting his mindset was the first step towards lasting transformation.Jay explains how fear is often a signal pointing us toward growth and opportunity, and why learning to focus on just “one thing” can create extraordinary results. He dives into the core concepts behind his book, including the importance of clarity, daily discipline, and aligning your actions with your highest priority. Along the way, he opens up about the real challenges of entrepreneurship, the role of willpower and habit-building, and how integrity and mentorship played pivotal roles in his own success.This episode is packed with practical advice for anyone on the entrepreneurial path—whether you're feeling over