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
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How Genealogy Can Help Protect and Transfer Your Wealth with Kirsty Gray
Episode 331
Wednesday, September 9, 2026 • Duration 31:11
1. From Family History to Family Wise Ltd
How Kirsty's interest in genealogy began through her grandparents, old family letters, photographs and her own family history.
How a lifelong passion for genealogy developed into Family Wise Ltd, now working with people and cases around the world.
2. How Technology Has Changed Genealogy
How online records have made researching family history much more accessible compared with travelling to archives and searching through physical records.
Why online family trees can contain inaccuracies and why complicated family connections, name changes and historical records can require specialist knowledge.
3. The Role of DNA in Finding Family Connections
How Y DNA and other forms of DNA testing can help establish family relationships and investigate previously unknown connections.
How Kirsty has used DNA to help prove inheritance cases and identify family members who were previously unknown.
4. Genealogy and Inheritance
How Family Wise Ltd helps solicitors identify beneficiaries when wills contain outdated information or unclear references to individuals.
How genealogy can be used to establish who may be entitled to an estate when someone dies without leaving a will.
5. Finding People and Solving Family Mysteries
How Kirsty and her team help find missing relatives, people from the past and individuals who may have become difficult to trace.
Some of the unusual cases Kirsty has worked on, including finding a former teacher and attempting to track down a Latin dictionary that had been lent to someone decades earlier.
6. The Connection Between Family History and Wealth
Why understanding your family tree can be an important part of thinking about who your wealth should ultimately pass to.
Kevin and Kirsty discuss the wider importance of planning for the transfer of wealth and making sure the right people can be identified when the time comes.
People Before Profits in Building Wealth with Lorraine Thomas
Episode 330
Wednesday, August 26, 2026 • Duration 44:33
1. From Career Change to Property Investing
How Lorraine went from a career in law to caring for her father and becoming an accidental property investor.
How an email sent to the wrong Lorraine led her to housing vulnerable young people.
2. Learning Through Action and Experience
How Lorraine and her business partner learned from mistakes while navigating property auctions.
Why education is as much about building the right network and community as gaining knowledge.
3. The Influence of Family and Values
How Lorraine's parents shaped her entrepreneurial spirit, generosity and belief in giving others a chance.
Why she believes profit and purpose can work hand in hand.
4. Property, Dignity and Social Impact
How Lorraine uses property to support people facing difficult circumstances while preserving their dignity.
Why wealth building can go beyond financial independence towards impact and legacy.
5. Recognition, Purpose and Creating a Legacy
How a community initiative during COVID led to Lorraine receiving The Lancelot Andrewes Medal.
How PRIME helps successful women explore how they can create a bigger impact.
6. Taking Action and Finding Focus
Kevin and Bimbi's reflections on Lorraine's entrepreneurial drive, risk-taking and willingness to take action.
Why finding a clear focus and niche can be a powerful starting point when building something new.
Key Takeaways:
Wealth can be used to create opportunities for others.
Wake Up, Consumers! Stop Sleepwalking Through Your Financial Future
Episode 329
Wednesday, August 12, 2026 • Duration 44:54
1. Why Life Planning Should Come Before Financial Planning
Why you need to understand the life you want to create before deciding how your money should support it.
Using a lifetime cash flow plan to identify future liabilities and the assets needed to fund them.
2. Looking Beyond Investments to Understand Total Wealth
Why traditional financial planning can focus too heavily on regulated investments rather than the full picture of someone's wealth.
Looking at property, pensions, savings, investments and future earnings as part of a wider wealth plan.
3. The Overlooked Value of Human Capital
Understanding human capital as the skills, property, intellectual property, networks and other assets that can generate earnings.
How leveraging human capital can create entrepreneurial opportunities, income and financial capital over time.
4. Taking Back Control Through Financial Agency
What Steve means by financial agency and why people should have greater ownership of their financial decisions.
How proportional planning can provide expert support during complexity, stress or major life changes without creating permanent dependency.
5. How AI Could Change Financial Planning
Why AI is reducing the information gap between financial institutions and consumers.
How individuals can use AI as a co-pilot to improve their financial capability and productivity while retaining human judgement.
6. Understanding Fees and Making Better Financial Decisions
Why consumers should take a closer look at the charges attached to pensions, investments and financial products.
How AI-powered tools could help people identify hidden terms, charges and potential red flags so they can make more informed decisions.
Building Wealth with Trading: Risk, Discipline and Long-Term Thinking
Episode 328
Wednesday, July 29, 2026 • Duration 38:30
Key Topics Covered:
1. Trading as a Wealth-Building Skill
Why trading should be viewed as a skill rather than a shortcut to wealth.
How education and consistency lay the foundations for long-term success.
2. Trading vs Investing
Understanding the difference between trading and traditional buy-and-hold investing.
Why both approaches can play complementary roles in a wealth-building strategy.
3. Managing Risk Before Chasing Returns
How disciplined risk management helps protect trading capital.
Why successful traders focus on controlling losses as much as generating profits.
4. Building Confidence Through Process
How following a proven trading strategy removes emotion from decision-making.
Why consistency often delivers better results than trying to predict the market.
5. Trading in Just 30 Minutes a Day
How swing trading can fit around a busy lifestyle.
Why effective trading isn't about constantly watching the markets.
6. The Importance of Trading Psychology
Why emotional control, patience and discipline are essential for long-term success.
How mindset influences every trading decision.
7. Using Trading to Accelerate Wealth Building
How trading can generate capital that can be reinvested into other assets.
Why diversification remains a key principle of building lasting wealth.
8. Passing on Financial Skills to the Next Generation
The Real Cost of Getting Your Retirement Plan Wrong
Episode 327
Wednesday, July 15, 2026 • Duration 46:04
1. Why Retirement Planning Is More Complex Than Ever
Why retirement is no longer simply about accessing your pension.
How today's retirees must balance income needs, tax efficiency and long-term financial security.
2. Annuities vs Drawdown – Understanding Your Options
What annuities are and why they're becoming attractive again.
How combining guaranteed income with flexible drawdown can create a more resilient retirement strategy.
Why today's annuity options offer greater flexibility than many people realise.
3. Building a Sustainable Retirement Income
Why creating reliable income throughout retirement requires careful planning.
How cash flow modelling helps prepare for inflation, market downturns and changing income needs.
Why having different "buckets" of money can reduce investment risk during retirement.
4. The 2027 Pension Inheritance Tax Changes
What the upcoming inheritance tax changes could mean for pension holders.
Why pensions are no longer simply a retirement planning tool—they're becoming an inheritance tax planning consideration.
How planning early can help minimise unnecessary tax liabilities.
5. Reducing Inheritance Tax Efficiently
How trusts can help transfer wealth more tax efficiently.
Why gifting strategies remain an important part of estate planning.
How turning pension capital into guaranteed income can remove assets from your taxable estate.
6. Protecting Your Family and Your Legacy
Why inheritance tax planning is about more than reducing tax.
How life assurance can provide liquidity so loved ones aren't forced to sell assets.
The difference between whole-of-life cover and long-term life insurance strategies.
7. Financial Planning for Business Owners
How Relevant Life Policies allow business owners to provide life cover tax efficiently.
Why many business owners overlook valuable tax-saving opportunities.
How structuring protection correctly can reduce both personal and business tax costs.
Actionable Takeaways
How to Build Investment Foundations That Turbocharges Your Returns with Manish Kataria
Episode 326
Wednesday, July 1, 2026 • Duration 54:09
1. Why Cash Isn’t Always Safe
Why holding too much cash can quietly reduce purchasing power over time.
How inflation can become one of the biggest threats to long-term wealth.
2. Finding the Right Balance Between Liquidity and Growth
How much cash investors should realistically hold in a portfolio.
Why balancing liquidity with long-term growth is essential for financial resilience.
3. Alternative Ways to Protect Capital
Understanding money market funds and their role in wealth preservation.
How these can offer flexibility, liquidity and attractive returns compared to traditional cash holdings.
4. The Role of Gilts in a Balanced Portfolio
Why government bonds still play an important role in portfolio protection.
How gilts can help provide stability during periods of market volatility.
5. Why Diversification Matters More Than Ever
How spreading wealth across multiple asset classes reduces risk.
Why diversification remains one of the most effective strategies in uncertain markets.
6. Building Your Portfolio the Right Way
Why most investors build portfolios in the wrong order.
The importance of creating strong foundations before pursuing higher-risk opportunities.
7. Understanding the GPI Framework and Taking Control of Your Wealth
How Growth, Protection and Income work together in a well-structured portfolio.
Why balancing all three creates a more resilient long-term strategy.
How understanding fees, income strategies like options, and financial education can help you take greater control of your wealth and pass it on effectively to the next generation.
How One Deal Made James Lynch Financially Independent
Episode 325
Wednesday, June 17, 2026 • Duration 41:04
Key Topics Covered:
1. From Employment to Financial Independence
James shares his transition from project management into full-time property investing.
How property income eventually replaced employment income.
2. The Impact of Taking Action
Why waiting for perfect conditions can delay progress.
The importance of getting started and learning through experience.
3. Building a Foundation with Buy-to-Let Property
Starting with single-let properties to gain experience.
Using smaller investments as stepping stones to larger opportunities.
4.Why Blocks of Flats Can Accelerate Growth
The advantages of buying multiple units in one transaction.
Improving cash flow while reducing some of the challenges of HMOs.
5.Understanding Title Splitting
What title splitting is and how it works.
Creating additional value by converting a block into individual leasehold flats.Expect unexpected challenges like project delays or market shifts.
6. Using Leverage More Effectively
How title splitting can reduce the capital required for acquisitions.
Accessing larger opportunities that may otherwise seem out of reach.
7. Building the Right Professional Team
The role of brokers, solicitors, and accountants in complex property strategies.
Why specialist expertise is critical for successful implementation.
From Property Failure to Predictable Profits with Tsen Wharton
Episode 324
Wednesday, June 3, 2026 • Duration 46:40
Key Topics Covered:
1. Defining True Wealth
Wealth is about creating predictable income and financial security.
The goal is freedom, experiences, and a low-stress lifestyle.
2. From Corporate Career to Property Entrepreneur
Transitioning from employment to financial independence through property.
Recognising when a traditional career path no longer aligns with personal goals.
3. The Impact of Rich Dad Poor Dad
How financial education can change perspectives on wealth building.
The importance of developing an investor mindset.
4.Learning Through Failure
Early mistakes in serviced accommodation created valuable lessons.
Setbacks can become turning points for future success.
5.The Demand-Led Investment Approach
Find the demand before choosing the property.
Reverse-engineering investments around proven market needs.
6. Understanding Serviced Accommodation
The opportunities and risks of short-term rental strategies.
Why demand is critical for long-term profitability.
7. Building Multiple Income Streams
Combining trading, investment, and coaching businesses.
Creating diversified sources of recurring income.
8. Wealth, Family, and Lifestyle
Using wealth as a tool to create time, experiences, and flexibility.
The Rent-to-Own Revolution with Sheila Smith
Episode 323
Wednesday, May 20, 2026 • Duration 32:01
Key Topics Covered:
1. Helping Renters Become Homeowners
Creating structured pathways from renting to ownership.
Allowing tenants to move into properties while preparing financially for a mortgage.
2. The Challenges Facing First-Time Buyers
Mortgage approval criteria often prevent capable renters from buying.
Many renters already pay amounts comparable to mortgage repayments.
3. A Roadmap to Mortgage Readiness
Building a step-by-step plan to improve financial positioning over time.
Helping buyers understand deposits, affordability, and lender requirements.
4.Landlords Exiting the Market
Increasing regulation, taxation, and compliance pressures are driving many landlords to sell.
The changing environment has reduced profitability and increased risk.
5.Impact of Renters’ Rights Legislation
New rules are reshaping the landlord and rental landscape.
Landlords are becoming more cautious about remaining in the sector.
6. Creative Property Solutions
Exploring alternatives beyond the traditional buy-to-let and purchase models.
Creating win-win opportunities for both tenants and landlords.
7. Long-Term Financial Planning
Using property as part of a wider strategy for financial security and stability.
Focusing on gradual progress rather than immediate results.
8. Making Homeownership More Accessible
12-Month Countdown to Tax-Raid On Pensions
Episode 322
Wednesday, May 6, 2026 • Duration 52:31
Key Topics Covered:
1. New Pension Tax Rules (2027 Changes)
The government’s ability to tax pensions on death marks a major shift.
Impacts long-term retirement and legacy planning strategies.
2. Understanding the Finance Act Changes
The move from proposal to law and what it means in practice.
Why this change is significant compared to previous pension rules.
3. Risks of Traditional Pension Planning
Relying solely on pensions may no longer be as efficient.
Potential erosion of wealth intended for future generations.
4. Taking Back Control of Retirement Planning
The importance of being proactive rather than reactive.
Exploring alternative strategies to maintain control over assets.
5. Role of SSAS in Wealth Planning
Using Small Self-Administered Schemes for flexibility and control.
How SSAS can support more strategic wealth management decisions.
6. The “7 C's” Framework
A new way to think about retirement planning in changing conditions.
Adapting strategies to navigate uncertainty and complexity.
7. Protecting and Transferring Wealth
Planning not just for accumulation, but for efficient transfer.
Ensuring wealth reaches the next generation as intended.
8. Adapting to Regulatory Change
Why staying informed and flexible is essential.
Turning policy changes into opportunities for better planning.
Experience and influence can help support people facing difficult circumstances.
Entrepreneurial skills can be used to create meaningful social impact.
Building a legacy can start long before you're gone.
7. The Future of Financial Advice and Wealth Transfer
How changing consumer expectations, technology and the Great Wealth Transfer could reshape the traditional financial advice model.
Why greater financial capability, combined with professional support when genuinely needed, could give future generations more control over their wealth.
Why teaching financial skills can be just as valuable as passing on financial assets.
How developing knowledge today can create opportunities for future generations.
Actionable Takeaways:
Treat trading as a skill that requires education, practice and discipline.
Focus on managing risk before thinking about potential returns.
Develop a structured trading process and stick to it consistently.
Avoid emotional decision-making by following proven rules and strategies.
Consider how trading could complement your broader wealth-building plan alongside property, business and pensions.
Invest in financial education that helps you build confidence before committing significant capital.
Remember that long-term wealth is built through consistency, not speculation.
Successful trading isn't about chasing quick wins. It's about following a proven process, controlling your emotions, managing risk, and using those skills to build wealth that lasts.
Review how much cash you’re currently holding and whether it’s working hard enough for you
Assess whether your portfolio is truly diversified across multiple asset classes
Audit all investment-related fees across pensions, platforms and fund managers
Build your portfolio from the ground up—start with strong foundations before adding speculative investments
Focus on balancing growth, protection and income in your overall strategy
Explore ways to create additional income streams from existing assets
Start involving your family in wealth conversations to build long-term financial confidence and capability
Building wealth isn’t about chasing the next big opportunity. It’s about creating a clear strategy, staying disciplined, and making intentional decisions that serve both your present and your future.
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