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WealthTalk - money, wealth and personal finance.

WealthTalk - money, wealth and personal finance.

By: Kevin Whelan and Christian Rodwell
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 Would you like to be completely financially independent? Tune in each week to the WealthBuilders podcast hosted by Kevin Whelan & Christian Rodwell. WealthBuilders provides a proven step by step process to help our members create, build and protect their wealth by focusing on growing their assets through education, support and connections. Join our community for free at www.wealthbuilders.co.uk/membership2024 WealthTalk Economics Leadership Management & Leadership Personal Development Personal Finance Personal Success
Episodes
  • How To Create A Portfolio Of Property With A Single Pot Of Money

    How To Create A Portfolio Of Property With A Single Pot Of Money
    Dec 17 2025
    Key Topics Covered:1. Why BRR MattersMost investors run out of cash before they run out of ambition.BRR is not just a “strategy”—it’s a way to keep growing your portfolio with limited resources.Works for residential, commercial, and mixed-use properties.2. The Seven Steps to BRR SuccessTarget properties others avoid (those with problems lenders won’t touch).Calculate your offer: future value minus costs and a 20% margin.Make fair offers—don’t be afraid to go below asking price.Expect and embrace rejection; it’s part of the process.Follow up with rejected offers—motivation changes over time.Secure finance, fix the property, and add value.Refinance at the new value to pull out as much cash as possible.3. Creative Financing & Bridging LoansBridging finance lets you buy and refurb properties that need work, even if you don’t have all the cash upfront.Build the cost of bridging into your deal—if the numbers work, it’s worth it.Always take longer terms than you think you’ll need to avoid penalties.4. Avoiding Common MistakesDon’t get attached to asking prices; base your offers on solid calculations.Provide clear evidence of tangible improvements to valuers for successful refinancing.Plan for potential overruns and down valuations.5. Market Insights & MindsetDespite higher interest rates and tougher legislation, rents have risen and BRR still works if you buy right.The property market is seeing a “changing of the guard”—new investors are entering as older landlords exit.Success comes from thinking differently and being willing to do what others won’t.6. Advanced Tactics: Delayed Completion & Ninja Investors“Exchange with delayed completion” lets you refurb before you own, sometimes pulling your cash out on day one.Ninja investors operate under the radar, focusing on creative deals and properties most ignore.Actionable TakeawaysFocus on properties with problems you know how to solve.Always run your own numbers and stick to fair, calculated offers.Use creative finance and networking to keep growing—even when cash is tight.Embrace rejection and follow up—motivation changes.Learn from experienced mentors and surround yourself with like-minded investors.Resources & Next Steps:Buy, Refurb, Refinance - Guides, workshops, and advanced trainingProperty Chats free networking events — no speakers, no pitches, just real conversationsWealthBuilders Membership: Free access to guides, webinars, and communityDownload our FREE Pensions and Inheritance Tax GuideConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!
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    53 mins
  • What the 2025 Autumn Budget Really Means for Wealth Builders

    What the 2025 Autumn Budget Really Means for Wealth Builders
    Dec 10 2025

    Key Topics Covered:

    1. Budget Headlines & Tax Changes

    • More taxes on recurring income, dividends, and savings
    • Business owners face higher dividend charges and new limits on passing businesses to heirs
    • Employee Ownership Trusts (EOTs) and Business Property Relief (BPR) now have stricter tax limits

    2. Impact on Pensions & Investments

    • State Pension increase stays
    • Limit on salary sacrifice for pensions
    • Lower Cash Individual Savings Account [ISA] limits for under 65s
    • Higher taxes on investment products

    3. Practical Advice for Wealth Builders

    • Diversify across the “seven pillars of wealth” and focus on recurring, controllable income
    • Use tax-advantaged structures (like SSAS pensions) and keep an eye on changing rules
    • Pay close attention to recurring expenses, tax, fees, and debts – control what you can

    4. Action Steps & Tools

    • Don’t get overwhelmed – take small, regular actions each month
    • Use WealthBuilders’ free budget guide, calculators, and resources for clarity
    • Executors now have 15 months (instead of 6) to report pensions for inheritance tax, but tax is still due in 6 months – plan ahead

    Actionable Takeaways

    • Review how the new budget changes affect your income, business, and retirement plans
    • Make use of tax reliefs and allowances while they last, especially if you’re a business owner
    • Stay proactive: download guides, use calculators, and get advice tailored to your situation
    • Don’t let complexity stop you – small, consistent steps lead to more control and certainty

    Resources & Next Steps

    • Access our WealthBuilders' Autumn Budget Report 2025
    • Check your State Pension forecast
    • Calculate your Inheritance Tax Bill - Free Online Calculator
    • Download our FREE Pensions and Inheritance Tax Guide
    • WealthBuilders Membership: Free access to guides, webinars, and community

    Connect with Us:

    Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.

    Next Steps On Your WealthBuilding Journey:

    • Join the WealthBuilders Facebook Community
    • Schedule a 1:1 call with one of our team
    • Become a member of WealthBuilders

    If you have been enjoying listening to WealthTalk - Please Leave Us A Review!
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    29 mins
  • Why Senior Executives Are Turning to Portfolio Careers for Freedom and Fulfilment

    Why Senior Executives Are Turning to Portfolio Careers for Freedom and Fulfilment
    Dec 4 2025

    Key Topics Covered:

    1. Why Executives Choose Portfolio Careers

    • Many senior leaders leave corporate jobs for more control, flexibility, and purpose.
    • Becoming a non-executive director (NED) lets them advise several businesses, stay intellectually engaged, and build multiple income streams.

    2. What a Non-Executive Director Actually Does

    • NEDs guide and support business owners, using their experience and networks to help smaller companies grow.
    • Typical NEDs are former CEOs, directors, or C-suite leaders who want to keep working, but on their own terms.

    3. Adrian’s Journey: From Corporate to Entrepreneur

    • Adrian left a high-level tech role to help executives move into business ownership.
    • He built and acquired several companies, faced personal and business setbacks, and ultimately found new direction after a major life shift.

    4. Overcoming Identity and Timing Challenges

    • Leaving a big job can trigger a loss of identity; Adrian stresses the importance of recognising your own value and skills.
    • Timing your transition is key—look for inflection points like changes at work, financial readiness, or life events.

    5. How to Start Your Own Portfolio Career

    • Adrian recommends a three-phase roadmap:
    1. Clarify your value and how you’re seen (positioning)
    2. Tap into your existing network for opportunities
    3. Build new connections aligned with your goals
    • LinkedIn is powerful, but most executives underuse it—focus on connecting, not selling.

    6. The Wealth-Building Benefits

    • NED roles create time for other wealth-building activities, like property or investing.
    • Some coaches and NEDs eventually take equity stakes in businesses, building long-term wealth and influence.

    Actionable Takeaways:

    • Consider a portfolio career if you want more freedom, less risk, and a chance to use your experience in new ways.
    • Prepare for the identity shift and plan your timing and finances.
    • Use your network and be proactive—opportunities often come from people you already know.
    • Don’t be afraid to reach out for guidance or support.

    Resources:

    • Leverage Your Corporate Experience to Secure Paid SME Board Roles
    • Download the Pension and Inheritance Tax Guide
    • WealthBuilders Membership: Free access to guides, webinars, and community

    Connect with Us:

    • Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.

    Next Steps On Your WealthBuilding Journey:

    • Join the WealthBuilders Facebook Community
    • Schedule a 1:1 call with one of our team
    • Become a member of WealthBuilders

    If you have been enjoying listening to WealthTalk - Please Leave Us A Review!
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    39 mins
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