WealthTalk - money, wealth and personal finance.
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/membership
Why Senior Executives Are Turning to Portfolio Careers for Freedom and Fulfilment
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...2027 Inheritance Tax & Pensions Shake Up: Everything You Need to Know
Key Topics Covered:
1. What Changes in April 2027
Unused 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 Traps
New 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 Gifting
IHT as a tax on capital, not income.Annual allowances, the 7‑year rule and “g...Creating Community and Cashflow: The Story Behind Girls in Property with Athena Dobson
Key Topics Covered:
1. From Furlough to Property Freedom
How 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 Strategy
Moving 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 an...How to Build Freedom Through HMOs — and Why Property Still Matters
Key Topics Covered:
1. Mike’s Journey: From Corporate to Property Freedom
Why 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 Matters
Property 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 Inve...
Is Property Losing Its Shine? The Rise of Smart, Passive Investing
Key Topics Covered:
1. The Shift Away from Property
Why 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 Fundamentals
The two essential ingredients for any investment: growth (above inflation) and incomeThe importance of pas...How Female Entrepreneurs Can Grow from Startup to ÂŁ100k+
Key Topics Covered
1. Sarah’s Journey: From Corporate to Entrepreneur
Why 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 Entrepreneurs
Don’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 Tru...
Dr. John Demartini: Why Living by Your Values Unlocks an Inspired Life
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 & Insights
The Power of Values in Ac...
Case Study – How to Buy Commercial Property Using a SSAS Pension
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 weal...
Why Knee-Jerk Financial Decisions Destroy Wealth — And How to Build Lasting Income Instead
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.
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Key Topics Covered
1. Current Economic Uncertainty & Its Impact
Headlines are driving fear: budget rumours, slow...How the 2026 Tax Changes Will Impact Your Business and Property Wealth
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...
21 Ways to Create Recurring Income
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 Takeaways
The Seven Pillars of Wealth:Understand the core asset classes—home capacity, pensions, investments, property...300 Episodes of Wealth: Celebrating the Journey & Shaping the Future
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.
How Women Can Overcome Wealth Challenges with Tracy Hilliard
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 Covered
Why Wealth-Building is Different for WomenThe impact of societal expectations and traditional rolesLack of confidence and financial educationThe gender pay...AI Debates the Wealth Blueprint: Building Financial Independence
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 A...Mastering Project Delivery for Maximum Profit w/ Paul Tinker
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 ÂŁ300 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...
The Executor Trap: How Government Changes Put Your Family’s Inheritance in Jeopardy
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 fi...The Exit Roadmap: How to Sell Your Business for Maximum Value w/ Chris Spratling
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 & Takeaways
Chris’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 strateg...Insurance Tips for Property Investors and Business Owners that Could Save You Thousands!!
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 Points
Josh’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 v...Member Spotlight: Bimbi Fernando on Achieving Financial Independence
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 Covered
How the COVID-19 pandemic and personal experiences highlighted the need for financial security and protection for loved ones.Choosing WealthBuilders:Â
The...
How to Protect Your Pension from Inheritance Tax Changes Coming in 2027
In this week's WealthTalk episode, Christian and Kevin dive deep into the major changes coming to inheritance tax on pensions from April 2027.Â
They explain how these changes impact UK pension holders, why awareness and action are critical, and practical steps to protect your legacy.Â
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.Â
The episode is packed with actionable advice, real-life scenarios, and essential tips to help listeners safeguard their wealth for...
From Spreadsheets to Smart Dashboards: How Data-Driven Landlords Are Winning in 2025
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 busi...Building Wealth – Insights from Kevin Whelan’s Interview with Manish Kataria
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.Â
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.Â
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.Â
In this episode, Kevin speaks about the importance of recurring income, effective financial pla...
Turn Your Book Into Wealth: Karen Williams on Building Authority and Income
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 S...
WhatsApp for Business Growth: Turning Conversations into Clients
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 & Takeaways
1. Paul’s Entrepreneurial Journey
From 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 ÂŁ3M contract offer.2. Why WhatsApp?
9...Overcoming Digital Distraction with FocusMe
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.Bi...Optimising cash and managing risk: Insights from Giles Hutson
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...3 Little-Known Property Tactics That Deliver Big Results
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 Fracti...Unlocking Exclusive Deals for Landlords: Anthony Bailey-Grice on LNPG’s Secret to Saving Thousands
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...
Defining Your ONE THING to Transform Your Daily Productivity w/ Jay Papasan
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 c...
How to Make Your Property Portfolio Work Harder with LHA Strategies
In this episode of WealthTalk, we’re joined by Raj Beri, a former scientist turned full-time property investor, who reveals how he built a successful portfolio using innovative strategies—including the Local Housing Allowance (LHA) model) to maximise rental income. With hosts Christian Rodwell and Kevin Whelan, Raj unpacks the complexities of navigating housing benefit tenants, government regulations, and tenant relationships, while debunking common myths that deter many investors from exploring this path.
Raj shares the ups and downs of leaving behind a stable career, the importance of having a financial safety net, and how mentorship and comm...
1 Product, 2 Customers: Donnie's Blueprint to a Multi-Million Pound Business with Minimal Hours
In this episode of WealthTalk, we’re joined by Donnie Maclean, the founder of Eat Balanced, a company committed to creating healthier pizzas that don’t compromise on taste—developed in collaboration with a professor of nutrition. Donnie takes us through his entrepreneurial journey, highlighting the challenges of building a food brand from scratch, getting into supermarkets, and the even harder task of staying on the shelves.
He shares his philosophy of "health by stealth", aiming to improve nutrition without forcing radical changes in consumer habits. Throughout the conversation, Donnie speaks openly about the emotional roller coaster of bus...
Communicate with Confidence: Mastering Public Speaking w/ Andy Haynes
Stepping onto a stage or speaking in front of an audience can be intimidating, but mastering public speaking is a game-changer for building confidence, authority, and wealth. For Andy Haynes—award-winning property investor, former BBC presenter, and founder of Speaking Success—effective communication has opened doors to new opportunities and lasting connections.
In this episode, Chris Rodwell and Andy explore the key strategies for becoming a confident speaker, including storytelling techniques, maintaining audience engagement, and using public speaking to elevate your brand. They also discuss how to turn nerves into a powerful asset, the importance of preparation, and...
Smart Strategies for Commercial Property Success w/ Suzi Carter
Leaving behind the familiarity of residential property investment can feel like a big leap, but for Suzi Carter, transitioning to commercial real estate has opened the door to higher returns, greater financial security, and long-term wealth-building opportunities. As a seasoned commercial property expert and founder of The Commercial Property Academy, Suzi has helped countless investors leverage SSAS pensions, navigate economic shifts, and uncover high-yield commercial deals.
In this episode, Chris Rodwell and Suzi dive into the key strategies for succeeding in commercial property, including identifying undervalued properties, understanding tenant demand, and using creative deal structures like lease...
How I Built My Own AI Property Power Team w/ Ian Bluck
Leaving behind a stable corporate career is a big step, but for Ian Bluck, it was the best decision he ever made. After spending 24 years climbing the corporate ladder, he replaced his salary with just one property deal and transformed his approach to wealth building. In this episode, Ian shares how he leveraged property investment, networking, and technology to break free from the constraints of a traditional job and create a life of financial freedom.
We explore the key mindset shifts required to transition from employment to entrepreneurship, the role of recurring income in long-term wealth building...
How to Boost Your Property Profits with Title Splitting & SSAS Pensions w/ Rachel Knight
Title splitting isn’t just about dividing property—it’s a powerful strategy for increasing value, boosting capital growth, and unlocking new investment opportunities. But how do you know if it’s the right move for your portfolio?
In this episode, we explore the key benefits and challenges of title splitting, including how breaking a property into smaller units can lead to higher valuations and greater financial returns. You'll discover why integrating pensions with property investments can be a game-changer, and how recent tax changes are reshaping the property investment landscape.
We also discuss real-life case stu...
Due Diligence for Joint Ventures: Where to Begin
Successful joint ventures require more than just a handshake. They demand trust, due diligence, and legal protection. But how do you assess whether a partnership is the right fit?
In this episode, we break down the three P’s of joint ventures: People, Project, and Paperwork, helping you evaluate opportunities with confidence. You’ll learn why resonance expands value, while dissonance signals potential risks, and how financial transparency plays a crucial role in building strong collaborations.
We also explore the importance of legal documentation, why you should never rely solely on trust, and the key step...
How to Find, Fund & Supercharge a Profitable Commercial Property Portfolio
Many investors believe commercial property is too expensive or complicated, but is that really the case?
Kevin Whelan, Suzi Carter, Jonny Dunn, and Tyler Burnip break down the myths and opportunities in commercial property investment, revealing how strategic planning and niche approaches can lead to higher returns. They explore the best ways to find motivated sellers, fund deals using pensions (SSAS), and maximise property value through asset management.
You'll also discover how leveraging SSAS can provide a tax-efficient way to invest, the key lending restrictions to be aware of, and real-life examples of investors successfully...
Equity Release: Last Resort or Lifeline?
Many homeowners find themselves asset-rich but cash-poor, wondering if equity release could be the solution. But is it the right move?
In this episode, Christian Rodwell and Kevin Whelan break down the key considerations of equity release, including lifetime mortgages and home reversion plans. Kevin, now qualified in this area, shares expert insights on who equity release is best suited for and the potential pitfalls to be aware of.
You'll also discover why equity release should be a last resort and what alternatives—such as downsizing, remortgaging, or creating new income streams—you should explore firs...
The Power of Compound Income: How to Accelerate Your Wealth
Many people focus on compound interest, but the real key to financial independence is compound income—creating and reinvesting recurring income streams that grow over time.Â
In this episode, Christian Rodwell and Kevin Whelan reveal how to apply compounding beyond interest to property, business, pensions, and intellectual property, helping you build predictable, recurring income.
You’ll also hear real-life success stories, including how WealthBuilder Mark Stokes doubled his pension in just five years.Â
Whether you're starting out or optimising your assets, this episode will give you the strategies to make your money work for yo...
How To Create Multiple Income Streams And Break Free From The Time-For-Money Trap
Are you ready to take control of your financial future?
In this episode of WealthTalk, Christian Rodwell, Membership Director at WealthBuilders, and Kevin Whelan, Founder of WealthBuilders, share the essential steps to achieving financial security and independence by creating multiple streams of income.
This conversation will inspire you to shift from trading time for money to building assets that generate recurring income.Â
Christian and Kevin dive into the WealthBuilders Academy framework, breaking down the seven key asset classes for wealth creation.Â
They also share powerful real-life success stories that demonstrate how me...