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

Key Topics Covered:1. Why Executives Choose Portfolio CareersMany 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 DoesNEDs 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 EntrepreneurAdrian 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 ChallengesLeaving 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 CareerAdrian recommends a three-phase roadmap:Clarify your value and how you’re seen (positioning)Tap into your existing network for opportunitiesBuild new connections aligned with your goalsLinkedIn is powerful, but most executives underuse it—focus on connecting, not selling.6. The Wealth-Building BenefitsNED 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 RolesDownload the Pension and Inheritance Tax GuideWealthBuilders 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 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!

Key Topics Covered:1. What Changes in April 2027Unused pensions will count towards inheritance tax.Anything above the tax-free limit may be taxed at 40%.More families will be affected due to frozen allowances.2. Executors, Lost Pensions and Hidden TrapsNew burdens and risks for executors who must locate and report all pensions.The scale of “lost pensions” and how to track them down.When to consider consolidating multiple pots and when to seek advice.3. Income vs Capital and Smart GiftingIHT as a tax on capital, not income.Annual allowances, the 7‑year rule and “gifts with reservation”.How gifts out of surplus income can be unlimited and IHT‑free if well documented.4. Pensions, Annuities and Who’s AffectedWhich pensions are not treated as capital (state, final salary, annuities).Which are caught by the new rules (personal pensions, SIPPs, SSAS, DC workplace schemes).Pros and cons of using annuities to swap capital for income.5. SSAS Pensions and Multi‑Generational PlanningWhat a SSAS is and who can qualify (limited company owners).Using SSAS to consolidate pots, invest entrepreneurially and involve adult children.Strategies like contributions for children, earmarking and loanback to shift value down the bloodline.6. Life Cover, Wills and the Family Wealth FortressWhy life insurance should be written in trust to avoid swelling your estate.Using whole‑of‑life, second‑death cover to fund an inevitable IHT bill.The basics everyone should have in place: will, LPAs, and an annual “estate stock take”.Actionable Takeaways:Assume the 2027 rules will affect you if you have pensions and other assets – start planning now.Calculate your current estate and repeat annually to see how close you are to IHT thresholds.Trace and tidy up old pensions; don’t leave a mess for your executors.Learn the difference between gifting capital and gifting surplus income – and document income gifts carefully.Review life cover and trusts; consider SSAS if you’re a business owner wanting to build and pass on wealth efficiently.Resources & Next Steps:Join the Waitlist and Get Your Free Inheritance Tax & Pensions Guide - Be the first to receive this essential guide as soon as it's readyWealthBuilders Membership: Free access to guides, webinars, and communityConnect 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!

Key Topics Covered:1. From Furlough to Property FreedomHow COVID and furlough ended Athena’s high‑performing travel career overnight.Using that pause to ask, “Is this the life I want for the next 5–10 years?”Buying her first flat in Bournemouth, getting the numbers wrong, and why she still calls it her “baby” and best teacher.2. Rent‑to‑Rent, Burnout and Pivoting StrategyMoving into rent‑to‑rent HMOs and serviced accommodation to generate cashflow.The reality of late‑night calls, guest issues and stress – including the Sunday night window incident.Handing back all rent‑to‑rent properties and feeling as free returning the keys as when she first got them.Pivoting to simpler, long‑term strategies: buy‑to‑lets and buy–refurbish–refinance, with flips and land development as future options.3. Building Girls in Property: Community, Recurring Income and SupportWalking into a networking room of 45 people with only three women and thinking, “That’s a shame.”Finding no UK‑based female property networks or podcasts, then launching Girls in Property in 2023.Growing from a passion project that made no money for over a year into:A sponsored weekly podcast.A £30/month online membership (two live calls a month: “prosperity” and property strategy).A national community hosted on Circle, plus summer/winter parties and an annual training event.How Girls in Property now replaces and exceeds her old salary as a recurring revenue stream.4. Education, Strategy Choice and Market Opportunities“Don’t rush to buy a course”: only invest if you can implement from day one.Use free education first (podcasts, YouTube, books) and do due diligence on paid training.Choosing strategy based on four resources: knowledge, money, time, energy – plus personality and end goal.Example of a mentee who came for rent‑to‑rent but was better suited to partnering with an investor on flips.Why today’s market, with older landlords exiting, offers opportunities if you talk to people and build relationships with agents.5. Health, Wealth and Your Own Version of SuccessAthena’s view of financial freedom as choice – the ability to respond to life, travel and allocate time where it matters.Burning out twice and realising “health is wealth” – long‑term wealth is pointless if you destroy yourself getting there.Her guiding question: “What does your version of success look like – and who’s standing next to you on that hill?”Current focus: simplifying businesses, building cashflow and wealth, and aiming to be retired by 50 with businesses that don’t rely on her daily presence.Actionable Takeaways:Assess your knowledge, money, time and energy before choosing a strategy.Use free education first; only buy courses you’re ready to implement immediately.Document your journey from day one to build trust with future investors and partners.Avoid shiny penny syndrome – simplify down to strategies that fit you and your goals.Protect your health and pace yourself; wealth building is a long‑term game.Resources & Next Steps:Girls in Property Community & MembershipGirls in Property PodcastWealthBuilders Membership: Free access to guides, webinars, and communityConnect 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!

Key Topics Covered:1. Mike’s Journey: From Corporate to Property FreedomWhy Mike left a successful retail career for more control and family time.How a nudge from Kevin Whelan led to financial independence through HMOs.Building a business and legacy with his wife Claire and daughter Katie.2. Why Property Still MattersProperty as a long-term investment: realistic 8–10% cash returns plus asset growth.HMOs outperform single buy-to-lets for cashflow and resilience in changing markets.The maturing HMO market: easier entry with ready-made properties and new marketplaces.3. Taking the Leap: Advice for Aspiring HMO InvestorsDefine your financial and lifestyle goals before choosing the HMO route.Research HMO models (young professionals, students, etc.) and build your local power team.Action is key—most successful investors wish they’d started sooner.4. Building HMO X: An Ecosystem for HMO SuccessHMO X supports investors at every stage: learning, buying, operating, scaling, and exiting.Bronze and Silver subscriptions tailored to experience levels with access to expert support, estate agency, and the UK’s first HMO auction house.Community, mentoring, compliance guidance, and a world-class power team.5. Compliance, Regulation, and Business MindsetNavigating new regulations like the Renters’ Rights Act and staying systemised.Why running property as a business maximises profits and protects tenants.Leveraging your professional background for property success.6. Wealth Building, Legacy & DiversificationUsing a SSAS pension to diversify and strengthen family wealth.The importance of holistic planning: recurring income, multiple pillars, and protection (wills, powers of attorney, insurance).Knowledge transfer—teaching the next generation to build and protect wealth.7. Overcoming Barriers & The Power of CommunityThe value of support networks, mentorship, and learning from those who’ve “been there.”Why community and accountability increase your odds of success.Real-life case studies and five-star reviews as social proof.8. Practical Tips & Offers for ListenersHMO X offers a 10% discount on annual subscriptions for WealthBuilders members.Free initial chat for anyone exploring HMOs as a new pillar, mention you’re a WealthBuilder.Leverage frameworks, community, and expert support to accelerate your journey. Actionable Takeaways:Think Long-Term: Property success comes from time in the market, not timing the market.Be Patient: Real wealth builds over 10, 15, even 20 years of holding strong assets.Aim for Steady Returns: Expect around 8–10% cash return on day one, with capital growth compounding over time.Hold for Growth: Retaining your property allows its value to appreciate significantly.Avoid Shortcuts: This isn’t a quick-win strategy—discipline and strategy drive lasting success.Stay Strategic: Plan your portfolio carefully and review it regularly to stay aligned with your goals. Resources & Next Steps:HMO X - HMO Expertise all in one placePlatinum Property Partners - Build your own successful and profitable property businessWealthBuilders Membership: Free access to guides, webinars, and communityConnect 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!

Key Topics Covered:1. The Shift Away from PropertyWhy more investors are moving away from buy-to-let and traditional property strategiesImpact of rising interest rates, Section 24 tax changes, and new regulationsProperty returns: 39% growth in 10 years vs. 242% for stocks2. Is Property Still Worth It?Existing landlords with long-held properties may still see decent cash flowNew investors face higher barriers: stamp duty, mortgage rates, low yieldsThe myth of property as a “pension” is fading—returns are often below inflation3. Smart Investing FundamentalsThe two essential ingredients for any investment: growth (above inflation) and incomeThe importance of passivity, tax efficiency, and protectionDiversification across asset classes and within each class is key4. The Rise of Passive & Diversified InvestingStocks and global funds have outperformed property in recent yearsHow to generate income through dividends, REITs, and optionsManaging volatility: why long-term, balanced portfolios win5. Gold, Bonds, and Defensive AssetsGold as a hedge: how and why it works, especially in turbulent timesThe role of ETFs (Exchange Traded Funds) for low-cost, tax-efficient exposureRethinking traditional “more bonds as you age” advice—modern portfolios are more flexible6. Tax Efficiency & FeesUse ISAs, pensions (SIPPs/SSAS), and tax wrappers to prevent “leakage”Watch out for high fund fees—target TERs below 0.2% to keep more of your gains7. Mindset, Control, and PersonalisationThe illusion of control in property vs. the flexibility of passive investingAdapting your plan to your age, risk profile, and life stage—no one-size-fits-allWhy education and ongoing learning are non-negotiable for wealth building8. Actionable Strategies for Wealth BuildersDon’t knee-jerk: avoid emotional decisions or chasing trendsFocus on recurring income and security, not just asset valuesRegularly review and adjust your plan as markets and personal circumstances change Actionable Takeaways:Diversify Your Portfolio: Don’t rely solely on property—blend stocks, gold, REITs, and other assets.Prioritise Tax Efficiency: Use ISAs, pensions, and low-fee funds to maximise your returns.Think Passive: The less hands-on management, the more flexibility and freedom you’ll enjoy.Educate Yourself: Invest time upfront to set up your investments right—this pays off for decades.Review Regularly: Markets and regulations change—revisit your plan and allocations at least annually.Avoid FOMO: Make decisions based on your goals and risk profile, not market hype or fear. Resources & Next Steps:Invest Like a Pro: Weekly investment insights and courses from Manish KatariaWealthBuilders Membership: Free access to guides, webinars, and communityThe Biggest Pension & Inheritance Tax Shake Up Ever! Are You Ready? - FREE Live WebinarShadowStats: Alternative inflation data and analysisETF Basics: Look for diversified, global ETFs with TERs below 0.2% for passive, cost-effective investing Connect 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 WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Key Topics Covered1. Sarah’s Journey: From Corporate to EntrepreneurWhy Sarah left a successful sales career for a life of freedom and travel.The importance of building a business around personal values—especially freedom.How the COVID-19 lockdown was a catalyst for launching She Scales.2. Making the Leap: Advice for Aspiring EntrepreneursDon’t quit your job until you’ve validated your offer and secured your first clients.Everyone’s circumstances are different—assess your risk tolerance and responsibilities.The power of urgency and going “all in” when the timing is right.3. Finding Your True StrengthsEarly detours: retraining in design before realising her passion for sales coaching.Why it’s normal to “get it wrong” before finding the right fit.The value of building an audience and learning new skills—even if you pivot later.4. The Six Steps to Six Figures FrameworkSarah’s proven process for scaling to £100k+:Mindset: Prioritise mental, emotional, and spiritual health.Foundations: Define your ideal client and core offer.Positioning: Decide where you sit in the market and communicate your value.Marketing: Build your online presence and generate trust before the sales call.Sales: Move prospects from “interested” to “client” with effective conversations.Scale: Systemise, automate, and introduce recurring revenue streams.5. Building Recurring Income & Asset-Based WealthThe journey from trading time for money to creating group programmes, memberships, and digital assets.Why recurring income brings security, peace, and true freedom.The importance of live testing before automating or scaling.6. Overcoming Sales Mindset BlocksReframing sales as service: “Every time you sell, you serve.”How to price confidently and raise your rates as your expertise grows.The “main character energy” mindset—putting yourself first to serve others from a place of abundance.7. The Power of Community & NetworkingBuilding a support network of like-minded entrepreneurs is critical for resilience and growth.Masterminds, group programmes, and online communities offer knowledge, support, and accountability.“Your network is your net worth”—why relationships matter more than tactics.8. Practical Tips for Fast GrowthFocus on high-ticket offers and have more real sales conversations.Track money-making activities, not just marketing or content creation.Use accountability to stay consistent and motivated. Actionable TakeawaysValidate Your Offer: Get client results and feedback before making big business decisions.Prioritise Your Wellbeing: Look after yourself so you can serve others effectively.Build Recurring Revenue: Move beyond one-off sales to memberships, programmes, and digital products.Embrace Community: Surround yourself with people who share your vision and values.Sell with Confidence: Believe in your offer and don’t be afraid to charge what you’re worth. Resources & Next StepsSarah’s Unlimited Content Matrix: Free tool to generate endless content ideas for your business.Video Training: “How to Get Premium Clients Online”—ideal for those selling high-ticket offers.WealthBuilders' 'The Biggest Pension & Inheritance Tax Shake Up Ever! Are You Ready?' FREE WebinarJoin the WealthBuilders Membership: Free access to resources and community at wealthbuilders.co.uk/membershipConnect with Sarah: Instagram (@SarahBucklandCoaching), LinkedIn, or her website.Connect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!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!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform.

In this episode, Christian Rodwell interviews Dr. John Demartini—renowned human behaviour specialist, author of over 40 self-development books, and creator of the Demartini Method and Values Determination Process. They discuss why only a small percentage of people ever reach financial independence, how our values shape every decision and outcome, and the practical steps to align your life and business with what matters most. Dr. Demartini shares actionable strategies for changing your values, overcoming internal and external obstacles, and building a life of purpose, fulfilment, and financial freedom.Key Topics & InsightsThe Power of Values in Achieving Financial Independence1. Why Most People Don’t Achieve Financial Freedom:Many people dream of it but fail to achieve it due to misaligned values—spending on consumables versus investing in assets.True financial independence comes from prioritising asset-building and recurring income over lifestyle spending.2. Values Drive Behaviour:Our daily habits and character are shaped by what we value most.Living according to your highest values leads to fulfilment and greater achievement.Mindset, Motivation, and Overcoming Challenges1. Defining Mindset:Mindset is the set of attitudes and beliefs that shapes how we respond to challenges.A strong, positive mindset is developed through habits, education, and self-awareness.2. Intrinsic Motivation:When goals align with your highest values, you act from within—no external motivation needed.If your goals and values are misaligned, procrastination and lack of discipline follow.The Values Determination Process1. Finding Your Highest Values:Identify what you value most and structure your day around it.Use the Values Determination Process (available for free at drdemartini.com) to gain clarity.2. Changing Your Values:You can “stack up” the benefits of new behaviours to shift your values over time.Either set goals that match your current values, or consciously change your values to match your goals.Habits, Discipline, and Delegation1. Habits Are Value-Driven:You’re naturally disciplined in areas aligned with your highest values.“Bad habits” are often strategies to fulfil unconscious motives; bring awareness to these motives to change behaviour.2. Delegation as a Path to Fulfilment:List all your daily tasks, their value, meaning, and cost to delegate.Focus your time on high-value, meaningful work and delegate the rest to free up time and energy.Surround yourself with people whose highest values align with the tasks you delegate.Entrepreneurship, Career, and Life Transitions1. Making the Leap:Don’t leave your job for entrepreneurship until your new venture is proven to generate more income and fulfilment.Use your current role as a stepping stone—appreciate its value and leverage the skills you gain.Strategic planning and risk mitigation are essential; avoid jumping based on fantasy.2. Business Success:Many businesses fail because founders project their fantasies onto the market instead of meeting real needs.Find the overlap between your inspiration and what the market wants—this is your niche.The ABCs of Negativity1. What Causes Negativity:Setting goals not aligned with your values, or expecting others to live outside theirs, leads to anger, blame, criticism, despair, and more.These negative states are feedback mechanisms signalling unrealistic expectations.Law of Attraction and the Brain1. Practical Law of Attraction:Your innermost dominant thought—driven by your highest value—becomes your reality.The brain is wired to notice opportunities that align with your values.Visualisation works best when congruent with your true values.Daily Routines and Legacy1. Dr. Demartini’s Daily Discipline:Documents daily gratitude and sets seven highest priority actions each morning.Focuses on research, writing, teaching, and travel—his highest values.Simple, focused routines support high performance.2. Legacy:Aims to inspire others to recognise their inner magnificence and leave a lasting educational impact.The Demartini Prize and Institute are part of his long-term vision.Practical Tips & Action Steps1. Discover Your Values:Use Dr. Demartini’s free Values Determination Process at drdemartini.com.2. Prioritise Your Day:Fill your day with high-priority, value-aligned actions to avoid distractions and burnout.3. Delegate Low-Value Tasks:Identify tasks you can outsource or delegate to focus on your strengths and passions.4. Strategically Plan Career Moves:Don’t make impulsive jumps—build, test, and validate new ventures before leaving your current role.5. Stack Benefits to Change Habits:To change behaviour, consciously list and focus on the advantages of the new desired action.6. Practice Daily Gratitude:End each day by documenting what you’re grateful for and what you’ve achieved.Quotes & Social Proof“If you don’t fill your day with high-priority actions that inspire you, it fills up with low-priority distractions that don’t.”“You’re automatically disciplined in whatever allows you to fulfil what’s highest on your value.”“Depression is a comparison of your current reality to a fantasy you keep holding onto.”Dr. Demartini has inspired millions globally, with hundreds of books and thousands of live presentations Resources & Next StepsDr. Demartini’s Website: drdemartini.comWealthBuilders MembershipConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!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!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform

In this episode, Christian is joined by WealthBuilders member and wealth coach Toby Spanier, who shares three powerful case studies of commercial properties he purchased using his SSAS pension.Toby reveals how he found and structured each deal, why a SSAS gave him a unique advantage over traditional financing, and how he created both income and tax-free capital growth within his pension.If you’ve ever wondered how a SSAS can be used to fund commercial property — even when banks won’t lend — this episode will give you clear, practical insights to apply on your own wealth-building journey.What You’ll Learn in This Episode:How Toby used his SSAS to buy three very different commercial properties.Why being a SSAS cash buyer can unlock discounts and opportunities others miss.How planning permission and smart structuring created significant tax-free uplifts.The differences between buying property inside vs. outside a SSAS.How collaborating with other SSAS investors can make bigger deals possible.Practical lessons to avoid common pitfalls when investing through a pension.Links & Resources Mentioned in This Episode:Learn more about SSAS PensionsBook a call with WealthBuildersJoin the WealthBuilders AcademyConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!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!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform 

In this week’s WealthTalk, Christian Rodwell and founder Kevin Whelan tackle the growing anxiety among UK business owners and investors as the autumn budget looms and economic headlines fuel uncertainty. They explore why fear-driven, knee-jerk financial decisions can be so damaging—and how to reframe your approach to build lasting, recurring income streams. The conversation covers government policy changes, inheritance tax, business succession, and practical steps to regain control, supported by real-life member stories and actionable advice. Key Topics Covered1. Current Economic Uncertainty & Its ImpactHeadlines are driving fear: budget rumours, slow property sales, and pension changes.Small business owners and savers are reacting to speculation, sometimes making rushed decisions.Older generations are increasingly turning to “buy now, pay later”—a worrying trend.2. The Danger of Knee-Jerk ReactionsKevin and Christian discuss how fear leads to poor decisions: raiding pensions early, panic property sales, or taking on short-term debt.Government policy changes often create uncertainty, leading to hasty moves that can undermine years of planning.“You don’t plan your pension in a vacuum—you plan for a lifetime and a legacy.”3. Tax & Inheritance Changes: What You Need to KnowUpcoming changes to business succession tax: from April 2026, only the first £1m passed to the next generation will be tax-free (down from unlimited).Inheritance tax allowance has been frozen since 2009, dragging more people into the tax net.Unmarried individuals and those without children face additional challenges.4. Why Building Wealth is About Long-Term PlanningThe WealthBuilders approach: focus on building assets and recurring income, not just reacting to market or policy shifts.“Certainty comes from recurring income streams, not from activity or fear.”Importance of running a “family wealth business” alongside your main business.5. Member Success Story: John’s JourneyJohn, a business owner, shares how WealthBuilders helped him move from feeling trapped to seeing a clear path to financial security.Building wealth outside the business creates options and security, even if business income fluctuates.6. Practical Steps to Regain ControlTake stock of your assets—many are under-leveraged.Reduce taxes and fees: review income tax, corporation tax, CGT, inheritance tax, and hidden financial fees.Consolidate pensions, update your will, and collect all key documents.WealthBuilders is developing a secure digital vault for document and asset tracking.7. The Power of Community & Trusted GuidanceDon’t make decisions in isolation—seek advice from trusted communities, mentors, or professionals.Avoid taking guidance from social media or generic AI responses; your situation is unique.WealthBuilders’ supportive community and expert network are there to help.Actionable TakeawaysPause Before Acting: Give yourself time to research and seek advice before making big financial decisions.Focus on Recurring Income: Build multiple streams of recurring income to create true financial security.Plan for the Long Term: Don’t let short-term headlines derail your wealth-building journey.Get Organised: Consolidate pensions, update your will, and keep records secure for your family’s future.Join a Community: Leverage the support and experience of others—don’t go it alone.Final ThoughtsDon’t let fear or headlines dictate your financial future. Build a system of assets that funds your lifestyle, and you’ll always have control—no matter what changes come your way. Stay tuned for our post-budget episode and more practical guides to help you on your journey.Resources & Next StepsBook a Call: Visit wealthbuilders.co.uk and click the big red button to schedule a chat with the team.Trustpilot Reviews: Read real member stories and see the impact of WealthBuilders’ step-by-step approach.Upcoming Guides: Look out for the new Inheritance Tax Guide and post-budget analysis—join the waitlist via the website.Connect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!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!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform

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 company/group from inheritance tax (IHT); any value above will be taxed at 20%.Urgent need for business owners to review structures and plan ahead.Who Is Affected?Owners of trading companies/groups with assets above £1 million.Property investment companies already subject to IHT—this rule change doesn’t benefit or worsen their position.Mitigation & Planning StrategiesFamily investment companies (FICs)Growth and freezer sharesDiscretionary trustsGifting, sale acceleration, and succession planningCase-by-case: bespoke advice is essentialSection 24 & Incorporation for Property InvestorsSection 24 restricts mortgage interest relief for personally held property; incorporation can offer tax savings but must be weighed against capital gains and stamp duty costs.Comparative calculations are vital before transferring property into a company.Inheritance Tax Allowances Explained£325,000 nil-rate band per person, plus £175,000 residence nil-rate band (if passing main home to direct descendants).Married couples can combine for up to £1 million, but the rules are technical and not inflation-linked.Family Investment Companies (FICs)FICs provide flexibility in dividend planning, control, and succession.Can be set up new or by converting existing companies; often used in combination with trusts for asset protection.Smart Moves for Business OwnersAlphabet shares for flexible dividend planning.Utilise directors’ loan accounts, charge rent for company premises owned personally, and salary sacrifice schemes.SSAS pensions remain a powerful, underused tool.Planning for Exit or SaleEarly, proactive planning is essential—some reliefs require shares to be held for 24+ months.Options: third-party sale, management buyout, employee ownership trust (EOT), company purchase of own shares, or new holding company.EOTs: allow sale for 0% CGT if structured correctly, but success depends on a strong management team post-sale.Omar’s Experience & PodcastOver a decade in finance, founder of ASWATAX (Leicester & London).Hosts “Talking Tax Podcast,” covering EOTs, IHT, R&D, and more.Contact DetailsWebsite: www.aswatax.co.ukEmail: [email protected] or [email protected] TipsDon’t delay—review your business and property structures now ahead of April 2026.Always seek bespoke, specialist advice before making structural tax decisions.Consider both current and future family/succession needs in your planning.Use comparative calculations to assess incorporation or restructuring benefits.Mention WealthBuilders if contacting Omar for tailored support.Resources MentionedJoin the Inheritance Tax Guide WaitlistWT103 - Employee Ownership Trusts w/ Chris BuddWT295 - The Exit Roadmap: How to Sell Your Business for Maximum Value w/ Chris SpratlingConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!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!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform