WealthTalk - money, wealth and personal finance.

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...

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...

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 multip...

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 accom...

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 sing...

Key Topics Covered:

1. The Shift Away from Property

• Why more investors are moving away from buy-to-let and traditional property strategies
• Impact of rising interest rates, Section 24 tax changes, and new regulations
• Property returns: 39% growth in 10 years vs. 242% for stocks

2. Is Property Still Worth It?

• Existing landlords with long-held properties may still see decent cash flow
• New investors face higher barriers: stamp dut...

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 clie...

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. De...

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 use...

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, busines...

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 int...

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,...

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 impac...

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 pro...

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 Topi...

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—emphasis...

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 pol...

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 & R...

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 speci...