The Ultimate FD Podcast

In this dynamic episode, I unveil the powerful Blitz for Christmas strategy, a game-changing approach for businesses to maximize productivity leading up to the holiday season. I explain how this strategy ensures that companies conclude the year on a high note and return in the new year with revitalized energy and a fresh outlook.  I pair the Blitz approach with the typical year-end slowdown, emphasizing the benefits of maintaining a high-performance culture. The episode delves into the mechanics of the Blitz for Christmas, describing it as a bonus-driven initiative aimed at accelerating business operations before the Christmas break.  I outline 5 essential steps to implement this strategy, from setting deadlines and targets to creating a motivating bonus scheme. By setting clear deliverables and incentivizing teams, businesses can eliminate backlogs and achieve more in a few weeks than they might in several months.  The conversation is peppered with insights into how this approach not only boosts business outcomes but also enhances employee satisfaction and team cohesion.  

Welcome back to another episode of Magic Moments ✨ In this episode, I share actionable strategies for personal budgeting and business profitability.  I explain how disciplined spending and understanding gross margins can boost both financial independence and long-term business success.  I also emphasize the power of working with high-standard clients to elevate service quality and accelerate growth. Did you enjoy this Magic Moment? Click here for the full episode.

In this insightful episode of the Ultimate FD Podcast, Tej and I delve into the world of 'Making Tax Digital' (MTD). This episode is a must-listen for small business owners, landlords, and sole traders in the UK, as it unpacks the new HMRC regulations requiring specific individuals to submit tax reports quarterly.  Explore the conversation to get a deep understanding of the implications, processes, and potential advantages of Being organized with MTD. We tackle the pros and cons of the upcoming changes starting April 2026, where landlords and self-employed individuals with substantial incomes will need to shift their tax submission habits. We explore the need for digital modernization by HMRC, the impacts on administrative workload, and how these changes could affect tax accountancy fees and professional relationships.  Armed with valuable insights, you will grasp how the MTD initiative is poised to provide better financial clarity and proactive tax management, which could translate into potential savings and efficiency gains.  With Tej's expert advice and my relatable anecdotes, we give entrepreneurs actionable strategies to stay compliant, take advantage of professional tax advice, and effectively manage their digital transition.

Welcome back to another episode of Magic Moments ✨ In this episode, I break down return on equity (ROE) and why it's the most important metric for property investors.  I explain how to calculate ROE, assess your portfolio prudently, and compare property returns to alternatives like the S&P 500.  I also highlight why properties generating below 4% ROE may need to be exited, showing how smart decisions protect and grow your wealth. Did you enjoy this Magic Moment? Click here for the full episode.  

In this engaging episode of the Ultimate FD podcast, I interview Jamie Martin, the Managing Director of Correct Careers Coaching, about mastering the sales cycle for improved business outcomes.  Jamie leverages his extensive sales and psychology background to share insightful strategies for optimizing sales efforts. From understanding the full sales cycle, to the power of LinkedIn as a sales tool, Jamie provides a comprehensive breakdown of how businesses can increase their sales effectiveness by targeting the right customers and crafting tailored sales approaches. Diving deeper, the episode explores the nuances of maintaining a successful sales cycle and the critical role of mindset in sales success. Jamie emphasizes the importance of resilience and going back to basics when sales slow down.  We discuss how leveraging LinkedIn can significantly boost business development efforts, advising listeners on how to enhance their profiles, engage prospects effectively, and use tools like Crystal Knows.  Jamie's insights on closing sales revolve around creating urgency and personalized communication, ultimately transforming how you approach and connect with prospects.

Welcome back to another episode of Magic Moments ✨ In this episode, I sit down with Niall Leyden about what it really means to live and manage your wealth with purpose.  After surviving three near-fatal accidents, Niall built a philosophy (and business) around intentional living, clarity, and freedom.  He shares the three pillars of true wealth, purpose, plan, and portfolio, and why putting people before money is the key to lasting financial peace and fulfillment. Did you enjoy this Magic Moment? Click here for the full episode.

In this inspiring episode, I welcome Pam Burrows, aka "The People Booster," who shares her extensive experience and insights into creating a successful speaking and coaching business focused on stress reduction and burnout.  Pam delves into how she honed her niche over the years, transitioning from a broad array of topics to her specialization in stress and well-being, a journey that has spanned over 26 years of self-employment and over 30 years in speaking. Pam offers invaluable advice on building a business model in the coaching industry, emphasizing the importance of consistency in messaging, focusing on your passion, and selecting a target audience that aligns with your expertise. The conversation also shifts to practical strategies for entrepreneurs facing challenges, particularly in managing stress and preventing burnout.  With practical examples, Pam advises entrepreneurs on self-management, identifying stress triggers, and establishing habitual practices to maintain mental health and energy levels.

Welcome back to another episode of Magic Moments ✨ In this episode, Tej and I break down key strategies for managing personal and business finances while building sustainable wealth.  Learn how to optimise income, leverage company benefits, and align spending with your financial goals.  Packed with actionable advice, this short episode equips entrepreneurs and business leaders to boost productivity, reduce tax burdens, and make smarter money moves. Did you enjoy this Magic Moment? Click here for the full episode.

In this episode of the Ultimate FD Podcast, I explore the art and science behind building a business that's primed for sale while offering sustainable enjoyment to its owners. By focusing on finance-driven strategies, I reveal how entrepreneurs can avoid the common pitfall of creating a job rather than a sellable business. I look into the mechanics of boosting a business's exit value, crucial for every entrepreneur thinking of the long-term reward of their enterprise. I share the five actionable ways to increase a business's exit value. Through experience-focused insights, I discuss how creating blueprints and documenting processes not only enhances the attractiveness of a business to potential buyers but also improves overall operation.  I underline the importance of stepping back from daily operations to establish a business model that can thrive without reliance on the founder, thus boosting its market value.  This episode is a treasure trove for entrepreneurs aiming to transform their business into a high-value, sellable asset.

Welcome back to another episode of Magic Moments ✨ In this episode, I share 7 essential lessons for building wealth and business success, from choosing to be rich rather than always being right, to the importance of sticking to deals.  Learn why understanding your financials, setting realistic goals, and putting the right people in the right roles is critical for growth.  Plus, discover how leveraging other people's services can help you scale rapidly without unnecessary overhead. Did you enjoy this Magic Moment? Click here for the full episode.  

In this captivating episode, I am drawn into the transformative journey of Sean Land, who transitioned from a modest upbringing in East London to becoming a successful property entrepreneur. Land shares his experiences, starting from his grassroots in a family-run corner shop to scaling the heights of real estate investment. Through his story, Sean illustrates the power of discipline, networking, and strategic planning, shedding light on how early life lessons laid the foundation for his substantial property portfolio, amassing wealth and financial freedom. Sean discusses his early exposure to business in his father's corner shop and how these experiences catalyzed a strong entrepreneurial spirit, leading him from a job at Barclays to independent property investments.  He underscores the importance of budgeting and frugality in wealth building, highlighting the role of disciplined saving and strategic property acquisitions in achieving financial milestones.  Sean's journey is marked by challenges and triumphs, offering a narrative that combines tenacity, insight, and a commitment to inspire others to traverse a similar path toward financial independence in the real estate market.

Welcome back to another episode of Magic Moments ✨ In this episode, I break down the crucial difference between a budget and a target, and why worst-case budgeting protects your lifestyle.  Discover why prioritizing your personal finances by paying yourself first and factoring your salary into your business plan is crucial for achieving sustainable growth.  Additionally, discover how setting realistic targets allows you to push for them confidently without risking financial stability. Did you enjoy this Magic Moment? Click here for the full episode.  

The Ultimate FD Turns 3 Years Old Today! In this exciting episode of Ultimate FD Podcast, I reflect on the 3 years since the company's inception and share 13 invaluable lessons learned from the journey of building and scaling the business.  Amidst discussing paradoxical feelings about time and growth, I emphasize the importance of recurring revenue, effective branding, and understanding client needs as pivotal factors for success. I also explore how observing numerous business operations have enlightened my path and shaped my strategies. Delving deep into business acumen, I highlight the significance of selecting the right clients and pricing strategies, shared infrastructure for scaling, and the essence of a compelling brand presence.  Addressing the fundamental differences between a profitable job and a valuable, sellable business, I offer nuanced insights into achieving the latter.  This episode is rich with practical advice for entrepreneurs, covering key areas such as efficient packaging of services, maintaining synergy with partners, and understanding the perpetual puzzle of running a business.  

Welcome back to another episode of Magic Moments ✨ In this episode, I share how reviewing last year's numbers can prevent repeated mistakes and set the stage for smarter business decisions.  Learn why adding high-margin products and services to your core offering can significantly boost profit.  Plus, discover the power of clear objectives and challenging assumptions to make 2025 your most lucrative year yet. Did you enjoy this Magic Moment? Click here for the full episode.

In this engaging episode, I sit down with Reza Hooda, who shares his remarkable journey from overwhelmed accountant to highly successful entrepreneur.  He offers tailored advice on building a scalable and profitable business, focusing on how shifting from time-based to value-based pricing can transform service delivery. Reza recounts personal experiences of working long hours away from his family and the pivotal moment that pushed him to seek change and growth.  This episode is a treasure trove of insights for those looking to optimize their professional service businesses and improve their work-life balance. Reza delves into key strategies like the use of alternative pricing models, niche marketing, and leveraging content for lead generation. He emphasizes that understanding client value transcends the traditional metrics of time and cost, which is crucial for business owners looking to maximize profit and deliver superior service.  Featuring practical examples, like his interaction with a barber and lessons learned from Uber's pricing model, Reza effectively translates his expertise into actionable advice for listeners eager to elevate their organizations.

Welcome back to another episode of Magic Moments ✨ In this episode, Tej and I break down the psychology of negotiation, from sunk costs to practical compromise.  Discover why knowing what you want, what you can afford, and what you're willing to pay can transform any deal.   Plus, learn how turning assumptions into numbers with Excel modelling gives you clarity, confidence, and smarter business decisions. Did you enjoy this Magic Moment? Click here for the full episode.  

Welcome to an inspiring episode of the "Carnivore Entrepreneur Show," where I was interviewed by the host, Grant Hutchby, exploring the intersection of health and financial success.  In this episode, I share my journey from struggling with financial challenges in my own business to helping other entrepreneurs achieve financial clarity.  Listeners will gain insights into my expertise in building financially lucrative companies and learn how my book, "Small Business, Big Profit," serves as a valuable resource for entrepreneurs looking to scale their businesses profitably. Throughout the episode, I emphasize the importance of maintaining a healthy body and a sound financial strategy to support entrepreneurial endeavors. I outline the criticality of having financial clarity and understanding key business metrics, particularly the balance sheet, for the healthy growth of any business.  I talk you through my transformational journey, sharing actionable strategies, including how to accurately manage business finances to mitigate risks and plan for future financial success.  Candid advice on optimizing businesses for profit rather than perpetual growth offers a fresh perspective to entrepreneurs aiming for sustainable success.

Welcome back to another episode of Magic Moments ✨ In this episode, Glenn Poulos reveals why the best sales start with listening, not endless PowerPoint slides.  Discover his “Punch, Perfect Pitch & Close” formula, from grabbing attention to delivering a three-tiered proposal that closes itself.  Learn how to bridge the gap between cautious accountants and optimistic salespeople to craft pitches that win clients and build profit. Did you enjoy this Magic Moment? Listen to the full episode here

In this insightful episode of the Ultimate FD Podcast, we introduce you to complex tax concepts that every savvy entrepreneur should know. This episode is for you if you've ever felt overwhelmed by the jargon used by tax accountants.  We break down 10 advanced tax terms that could significantly impact financial strategies for those running 7-figure businesses. We start with a deep dive into essential topics like Section 455 and personal service companies, offering clarity on mitigations and pitfalls in managing Tax.  Tej Gill elaborates on the intricacies of using trusts and the potential tax obligations that come with them. We explain the value of family investment companies and employer-funded retirement benefit schemes and clarify why HMRC closely scrutinizes these areas.  Wrapping up the episode, we explore enterprise value and equity value, two core financial metrics, explaining their crucial role in business valuation and acquisition.

Welcome back to another episode of Magic Moments ✨ In this episode, I reveal how to find your Business Sweet Spot for maximum profit without chasing unsustainable growth. Discover why bigger isn't always better, and how aligning business size with efficiency and margin can make 2025 your most profitable year on record. Packed with smart, sustainable strategies, this episode is a must-listen for entrepreneurs ready to grow with intention. Did you enjoy this Magic Moment? Click here for the full episode.

In this riveting episode, I sit down with Curtis Sprouse, a seasoned expert in finance, healthcare startups, and behavioral science, to unravel the complexities of leadership and performance optimisation.  Curtis reflects on his journey from an accountant at Ernst and Whinney to heading biopharmaceutical strategies and behavioral consulting. The conversation dives deep into the significance of fine-tuning leadership dynamics, exploring the integration of behavioral science in improving individual and organisational performance. Curtis shares his insights into effective leadership grounded in behavioral science, highlighting the genetic and learned attributes that shape a leader's ability to overcome challenges.  Discussing traits like energy, dominance, discipline, and competitiveness, Curtis emphasises the importance of leveraging these elements to drive success.  This episode not only sheds light on developing leadership skills but also stresses the significance of interpersonal relationships and understanding the emotional landscape to foster high-performance teams.  Curtis's reflections on teaching vital problem-solving skills and resilience provide thought-provoking insights for both current and aspiring leaders.

Welcome back to another episode of Magic Moments ✨ In this episode, we uncover the costly financial mistakes entrepreneurs often overlook, from overpaying for services to flying blind without real-time information.  I share this snippet of my journey to building a World Class Finance Function, showing how the right financial structure, with expert support, can unlock clarity, boost profits, and reduce stress.  If you're ready to take control of your business finances and scale with confidence, this episode is your blueprint. Did you enjoy this Magic Moment? Click here for the full episode.

In this insightful episode, I explore the transformative power of recurring revenue, often referred to as the "eighth wonder" for entrepreneurs. We delve into the significance of recurring revenue in ensuring business stability and scalability.  I talk about my personal success story and the strategic shifts that led Ultimate FD to surpass sales targets, emphasizing how recurring revenue models can protect against the unpredictability of project-based income and ensure a stable cash flow. I discuss the analysis of different recurring revenue models, including subscription services, service retainers, and licensing. I show how integrating these models can elevate a company's financial stability, improve cash flow predictability, and increase the overall valuation of a business.  By sharing practical examples from various industries, I highlight that any entrepreneur, regardless of their sector, can creatively implement recurring revenue streams to achieve sustainable growth.  With actionable advice, this episode is a must-listen for business owners looking to enhance their operational resilience through recurring income strategies.

Welcome back to another episode of Magic Moments ✨ In this episode, our Tax expert Tej breaks down how savvy entrepreneurs can turn pensions into powerful tax-saving tools.  Far beyond retirement planning, we explore how the 2023 pension cap changes and unlock new opportunities to boost profits, build wealth, and strengthen your business. From SIPs to SSAS, Tej shares practical tips on contribution limits, tax perks, and smart financial planning. Making this a must-listen for anyone serious about long-term success.  Did you enjoy this Magic Moment? Click here for the full episode.

In this insightful episode, I speak with veteran property developer Stephen Latham. Stephen shares valuable insights from his 25-year journey in the property industry, highlighting his diversification into supported and assisted living accommodations.  This episode also covers the evolution of Stephen's estate agency and his strategic pivot to focus on niche property development projects that align with his core values and long-term vision. We delve into the intricacies of working with supported living providers, from navigating local authority requirements to managing the conversion of properties to meet specialized needs. Stephen explains why this model is attractive, showcasing the balance between profitability and operational simplicity.  He unveils the strategies behind successful partnerships with high-net-worth individuals for funding projects while emphasizing the importance of realistic planning and team alignment for operational success.  Aspiring property investors and seasoned developers alike will find Stephen's practical advice on overcoming challenges such as cash flow management and building a strong team particularly engaging.

Welcome back to another episode of Magic Moments ✨ In this episode, we unpack the key differences between lifestyle and scale-up business, and what they mean for your personal wealth. Alan shares why building a Family Fortress of independent wealth is crucial, how to avoid the myth of chasing big exits, and offers practical strategies, such as investing in global markets, to beat inflation. Whether you're scaling rapidly or staying lean, this episode offers essential insights for entrepreneurs seeking genuine financial freedom. Did you enjoy this Magic Moment? Click here for the full episode.

In this engaging episode of the podcast, I speak to Tej Gill to explore the intricate landscape of property tax schemes, focusing on the impact of Property118 and associated legal structures.  Tej shares his keen insights into the historical context of section 24 tax changes and the emergence of strategies like the hybrid LLP and incorporation relief. We dissect the legal nuances and practical applications of these methods while examining the potential repercussions faced by those who adopted such schemes. Delving deeper, we offer a meticulous analysis of incorporation relief, partnership structures, and the controversial aspect of directors' loan accounts. Finally, we discuss the potential pitfalls and the importance of not rushing into seemingly attractive tax-saving schemes without thorough due diligence. This episode is specifically catered to listeners keen on understanding tax strategies within the real estate industry. 

Welcome back to another episode of Magic Moments ✨ In this episode, I'm diving into the real engine behind a scalable, profitable business, and it's not just about what you sell, but how you deliver it. I unpack how to build business models that actually work through smart packaging, strategic partnerships, and building a world-class team. I share what I've learned from experience and how the most successful businesses don't just sell a product, they solve problems, front to back. We talk about the power of packaging, using examples like Zoe's health program and ideas from Daniel Priestley's Key Person of Influence. I'll also walk you through my favourite analogy, the ‘man in the desert', to show why bundling solutions the right way can explode your perceived value and profit margins. Finally, I break down how we've built a global team of A-players to deliver those packages profitably, at scale. If you're ready to shift from piecemeal selling to building a rock-solid, profitable machine, this one's for you. Did you enjoy this Magic Moment? Click Here to Listen to the Full Episode

In this episode of The Ultimate FD Podcast, I take you behind the scenes of what really happens inside the boardrooms of high-performing, seven-figure businesses. After countless sessions with some of the UK's most successful entrepreneurs, I've distilled the most powerful lessons and strategies into a single, high-impact episode. We're talking real-world tactics to transform a high-revenue business into a highly profitable and sellable one. Here's what we cover: ✅ Why revenue is vanity, profit is sanity, and how to shift your business model accordingly ✅ The power of forward planning and how it makes big decisions simple ✅ Why your business must be valuable to a buyer — not just to you ✅ The systems you need to scale profitably without burning out or micromanaging ✅ How recurring revenue can transform your valuation and long-term success ✅ The role of financial visibility and how to empower your team to own the numbers I share patterns, insights, and hard-earned lessons drawn from working with some of the UK's most successful seven-figure entrepreneurs, giving you the inside edge on what it really takes to build a business that grows, performs, and sells. Whether you're trying to scale with less stress, boost profit margins, or get your business investor-ready, this episode is packed with actionable insights you won't want to miss.

Welcome back to another episode of Magic Moments ✨ In this episode, I'm pulling back the curtain on what it really looks like to scale a business. I share the story of going from a lean team of 3 to a crew of 7 and the financial chaos that came with it. Overheads tripled, cash got tight, and suddenly, growth didn't feel so glamorous. I talk about the credit control issues we faced, the client challenges, and the lessons I learned the hard way about financial modelling and team dynamics. If you're in the middle of scaling or heading that way, this episode will give you a real-world look at the pressure, the pitfalls, and the planning it takes to come out stronger on the other side. Did you enjoy this Magic Moment? Click Here to Listen to the Full Episode   

In this dynamic episode of The Ultimate FD Podcast, I present the Know Your Numbers 2025 - The ULTIMATE E.X.I.T framework. It's designed to guide entrepreneurs on scaling and selling their businesses for life-changing sums.  I delve into the current market landscape, noting that only a fraction of businesses listed for sale ever complete the process. I outline the "Ultimate Exit" framework, emphasizing key strategies for positioning a company as an attractive acquisition target. Expanding on these strategies, I discuss the importance of understanding multipliers, establishing an investable finance function, and identifying the optimal sweet spot for business growth. I encourage entrepreneurs to focus on creating a business model that appeals to potential buyers, maximizing their profit margins, and maintaining exceptional service levels. My personal journey from selling my business to building Ultimate FD provides a backdrop to these insights, revealing actionable steps for attaining financial independence.

Welcome back to another episode of Magic Moments ✨ In this episode, I sit down with Tej Gill to talk about one of the biggest moments in any entrepreneur's journey: exiting your business. We dive deep into what it really takes to sell a seven-figure business successfully, from minimising tax to structuring the deal, to avoiding the most common (and painful) pitfalls that derail most exits. We discuss the reasons behind selling, not just the dream scenarios, but also the 3 Ds: death, distress, and divorce, and how they often catch many founders off guard. Tej also breaks down the two key ways you can sell, through shares or assets, and how to make the right choice depending on your long-term goals. If you're even thinking about selling your business in the next few years, this is one you don't want to miss. Enjoyed this Magic Moment? Click here to listen to the Full Episode

In this engaging episode, I sit down with Pádraic Ó Máille, an influential figure in business motivation and mastermind groups. Pádraic shares insights into how discipline and structured networking can propel entrepreneurs to new heights.  Through the story of Smocks, Pádraic illustrates how businesses transformed during economic downturns by employing discipline and communal support - a lesson resonant with today's entrepreneurial challenges. Pádraic emphasizes how clarity in goals and persistent discipline can lead to growth and sustainability in business. He recounts transformative stories of entrepreneurs who thrived by clearly understanding and tackling their problems.  Pádraic delves into essential frameworks like the six-step problem-solving model, the importance of networking, and the profound influence that peer support and accountability have in overcoming personal and professional hurdles, making the episode a treasure trove of actionable insights. Register NOW for our Know Your Numbers 2025 Webinar here - https://ultimate-fd.webflow.io/know-your-numbers-2025 

Welcome back to another episode of Magic Moments ✨ In this episode, I sit down with Tej Gill to unpack how marriage can be one of the smartest financial decisions you'll ever make, IF done right. We cover practical ways to build wealth as a couple, from using both personal allowances and pensions to structuring income and assets for maximum tax efficiency. Whether you're newly married, divorced, or just thinking ahead, this episode is packed with insights on how to optimise your finances through every stage. Tej and I also get into the less-talked-about side: navigating financial decisions during separation and divorce and how timing can make all the difference. If you want to keep more of what you earn (and sleep better at night), this one's for you. Enjoyed this Magic Moment? Click Here to Listen to the Full Episode   

In this episode of the Ultimate FD podcast, I dive into the intricacies of building a seven-figure finance function for ambitious entrepreneurs. Targeting business owners whose companies are scaling rapidly yet struggling with financial clarity,  I outline a comprehensive approach to creating a stellar finance department, identifying common financial obstacles, and offer actionable solutions designed to enable entrepreneurs to make informed decisions and optimize profitability. I explore the essential components of a successful finance function, emphasizing the importance of systems, software, and a competent team structure.  We look into the role of professionals like bookkeepers, finance managers, and tax accountants, advocating for integrating the Ultimate Finance Function into business operations.  This episode also focuses on the significance of forecasting, model building, and cash flow management as tools to ensure sustained business growth and financial stability.  If you're an entrepreneur aiming to enhance your financial operations, this episode offers invaluable insights and practical strategies.

Welcome to this week's episode of Magic Moments! In this instalment, I'm joined by the brilliant Mike Chamberlain - a finance wizard with a real-world approach to helping businesses not just survive, but grow sustainably. We dive into all those "oops" financial moments that businesses tend to stumble into, and more importantly, how to sidestep them. Mike breaks down why cash flow issues are usually less about a lack of money and more about poor decision-making.  We chat about how so many business owners confuse capital expenditure with day-to-day ops spend, and how that one mistake can cause massive ripple effects. Mike gives you practical advice on setting up proper financial systems, why having a cash flow forecast isn't just "nice to have," and how to actually build a financial cushion that works. Whether you're running a growing company or just trying to keep your head above water, this one is packed with golden nuggets. If finance stresses you out, this convo might just flip the script for you. Did you enjoy this Magic Moment? Click here to listen to the full episode.

In this engaging episode of the podcast, I converse with Anya Cheng, founder of Tailor T-A-E-L-O-R, a company revolutionizing the fashion industry by using Artificial Intelligence to cater to men's fashion needs.  Tailor T-A-E-L-O-R provides a unique subscription service that simplifies choosing and maintaining clothing, aligning technology with sustainability by reducing water waste and unnecessary purchases.  Anya Cheng brings her robust experience from tech giants like Meta and eBay to tailor this innovative business model that offers convenience and personalized styling through AI. The episode delves into how Anya Cheng identified a gap in the fashion industry, observing the inconvenience busy individuals face in fashionable dressing. Unlike conventional fashion services that require time-consuming online or in-store shopping,  Tailor T-A-E-L-O-R innovates with AI to match users with styles they love, all without the burden of purchasing or laundering. As the technology around AI becomes more accessible, Anya discusses how even traditional businesses can harness unique data to create efficient AI solutions, whether for enhancing customer experience or spearheading entirely new offerings. You can connect with Anya across socials via her links below: https://www.facebook.com/AnyaChengSiliconValley  https://www.linkedin.com/in/anyacheng/  UFD RESOURCES: 

Welcome back to another episode of Magic Moments ✨  This week I'm diving into a topic that honestly doesn't get the love it deserves: accrual-based accounting - now bare with me!  This isn't just some boring accounting rule. This is the kind of stuff that can completely change the way you understand your business. Most entrepreneurs are running on cash-based accounting without even realising they're flying blind. That's where accrual-based accounting steps in and gives you the full picture. In this episode, I break down exactly what accrual-based accounting is, how it compares to the cash-based method, and - most importantly - why you should care. I'll walk you through the matching principle (which is a fancy way of saying "tie your income to the expenses that created it") and show you how this shift in thinking can lead to better financial decisions, smarter planning, and even lower tax bills. I keep things practical, straightforward, and jargon-free. Whether you're a numbers person or not, you'll walk away knowing how to actually apply this to your business. If you're serious about growing your business and making smarter financial moves, this Magic Moment is for you. Did you enjoy this Magic Moment? Click here to listen to the full episode.

Welcome back to another episode of Tax Talks!    If you don't know this already, Tej is a financial advisor and business strategist who knows the ins and outs of building smart, tax-efficient business structures like nobody else I've met.    For this installment of Tax Talks, we dive into a topic that might not sound sexy on the surface - OpCo and PropCo structures - but if you run a business, this stuff is absolute gold.   We talked all about the benefits of splitting your trading company (OpCo) from your property-holding company (PropCo), and why doing this can be a complete game changer when it comes to protecting your assets and planning ahead.    Tej shared not only the mechanics of how it works, but also some great real-world examples of clients who've saved a ton in tax and kept their businesses safe by putting these structures in place.   Tej breaks down exactly when it makes sense to set up this kind of structure, how it can help if you're thinking about selling your business, and even how to use things like SSAS pension schemes to buy property in a really tax-savvy way.   This isn't just for the mega-rich or big corporations - this is a strategy that smart business owners at any level can start thinking about now. Whether you're looking to grow, exit, or just protect what you've built, there's so much value in understanding how these structures work.   By the end of the episode, you'll have a proper grasp of how to separate your assets from your trading activities, why that matters, and what steps to take to get it all moving in the right direction.    Big thanks to Tej for coming on and dropping so many gems - you're definitely going to want a notebook for this one!   Tune in and enjoy.    UFD RESOURCES:   

Welcome to another episode of Magic Moments! In this moment, I had the pleasure of sitting down with chartered account and tax expert, Tej Gill. Tej is one of those people who makes a complicated topic feel surprisingly clear and actionable. We dug into shareholder agreements - what they are, why they matter, and how they can be a game-changer (or even a lifesaver) in your business. I've always believed that building wealth through business requires not just hustle and smart decisions, but also protection - and that's exactly what this conversation is about. Tej and I talk about those make-or-break situations where having a shareholder agreement in place can make all the difference. Whether it's when you're partnering up with someone new, bringing on investors with a minority stake, or simply preparing for future changes in life stages or personal goals, these agreements are essential tools - not just legal formalities. One thing I really appreciated in this chat was how Tej explained the difference between shareholders and directors. It sounds obvious, but once you get into the weeds of a growing business, those roles can blur. Knowing where those boundaries lie can prevent so many headaches down the line. So if you're in a partnership, thinking of starting one, or just want to make sure your business is built on solid ground, this episode is definitely worth your time. Tej brings serious clarity to a topic most of us overlook until it's too late. So tune in, listen and learn. Did you enjoy this Magic Moment? Click here to listen to the full episode.

In this week's episode of the UFD podcast, I'm talking through something every entrepreneur needs to hear - the tough decisions that are quietly draining your profit margins. The hard calls, the uncomfortable conversations, the strategic shifts that actually move the needle when it comes to profitability. I break down eight specific decisions that most business owners either avoid, delay, or don't even realise are costing them money. I start with one of the biggest levers you've got: Pricing.  Most people are afraid to raise prices because they think customers will run for the hills - but I explain why that fear is usually unfounded, and how even a small price increase can have a massive impact on your bottom line. From there, I get into the reality of team dynamics. I know it's not easy, but sometimes the people who've been with you the longest are no longer the right fit for where your business is headed. I've seen so many businesses plateau because they're loyal to a legacy team that just isn't moving the needle anymore. Making a change here can be uncomfortable, but it can also be one of the most freeing and profitable things you do. I also get into the importance of saying NO - no to misaligned clients, no to bad-fit projects, and no to work that doesn't serve your long-term vision. It might feel counterintuitive, but saying no can actually open up space for the right clients and better opportunities, and it can dramatically improve your team's morale and output. Throughout the episode, I talk about strategic downsizing, letting go of the idea that you need to do everything yourself, and the trap of trying to save a declining market - what I like to call trying to catch a falling knife.  I also dig into the importance of building recurring revenue streams, creating upsells, and why you should seriously consider offering guarantees in your sales process, even if they feel risky.  When done right, they build trust and actually drive more conversions. This episode is all about getting real. If you want to build a business that's not just growing, but growing profitably, these are the decisions you can't afford to ignore. So grab your notebook, get comfortable, and let's get into it.   UFD RESOURCES:   

Welcome to this week's Magic Moment! This week, I'm diving deep into something that every entrepreneur dreams of - running a business with seriously big margins. I'm sharing some of the most powerful lessons I've learned about how to position your business in a way that attracts better clients, allows you to charge more, and lets you work less. We're talking about how to make your business stand out as a high-value option in your market - because when you do that, everything gets easier. You can hike your prices, streamline your workload, and start attracting clients who actually want the results you offer. I'll break down why your brand appearance, your online presence, and even the way you talk about what you do can make a massive difference in how much people are willing to pay - and how much work it takes to keep them happy. I also share a great analogy that really drives home the idea of solving lots of problems for your customers, not just the obvious ones. If you're aiming for a business that runs smoother, earns more, and feels more in control - this episode's for you. Thanks for tuning in - this one's packed with real talk and practical strategies to help you level up. Let's get into it. Did you enjoy this Magic Moment? Click here to listen to the full episode.

Welcome to another episode of the UFD podcast. This week I'm diving into something that might make your eyes glaze over at first, but this stuff is GOLD for any entrepreneur who wants to stop feeling lost when their accountant starts throwing around fancy terms.   Accounting can sometimes feel like a foreign language. But how many times have you sat in meetings nodding along when you have absolutely no clue what's being discussed? That's exactly how bad business decisions get made.   So to help, I've picked out 10 accounting terms that I guarantee will come up in your business conversations, and I'm going to break them down in a way that makes sense.   These aren't just boring accounting terms that only your CFO needs to know, this is the language of business. When you understand these concepts, you can have real conversations about your company's financial health.   You'll know when someone's trying to pull a fast one on you, and more importantly, you'll be able to make better decisions because you actually understand what the numbers are telling you.   Don't let anyone bamboozle you with accounting jargon. These terms are your tools for understanding how your business really works.   If this helped clarify some of the accounting fog for you, I'd love to hear about it. And if you've got other terms that make your head spin, let me know - it might be perfect for a future episode.   UFD RESOURCES:   

Welcome back to another episode of Magic Moments! ✨ In this episode, I sat down with Stephen Cowgill. Stephen is an entrepreneur who's made a real name for himself in real estate and business strategy.  We got into everything from monthly financial check-ins to how making finance feel like a game can totally change your relationship with it. Stephen walked me through his journey - he wasn't always a numbers guy but now he's a financial forecasting nerd… in the best way. And it's all because he built a support system that helped him get it without getting overwhelmed. We talked about how financial clarity isn't just about spreadsheets and budgets - it's about creating space for better decisions, and actually enjoying the process. We explored the real power of getting your numbers in order early and how that can save you major headaches down the line. Here's a few of the gems you'll walk away with: Why monthly financial reviews aren't just a nice-to-have - they're a game-changer How early financial systems can be your secret weapon for long-term growth The role experts can play in challenging your assumptions and streamlining decisions Why treating finance like a game might just make you love it And how a solid 12-month forecast can help you see your future with way more clarity If you've ever felt like finances are the un-fun part of business, this episode is 100% for you.  Did you enjoy this Magic Moment? Click here to listen to the full episode.

Welcome back to another episode of Tax Talks!    I sat down again with the brilliant Tej Gill, who's not just a top-tier tax advisor but also someone who knows what he's talking about when it comes to corporate structuring and financial planning. We delved deeply into a topic that many business owners have heard about but don't always fully understand: Alphabet Shares.   Don't worry - we didn't just throw jargon around. We started right at the beginning, breaking down what a share is - from voting rights to dividends and capital rights - before getting into how Alphabet Shares work and why they can be such a powerful tool in your financial toolkit.   Tej explained how Alphabet Shares can give you more control and flexibility in your company, whether it's about who receives what dividends, how decisions are made, or how ownership is divided. They've been around for a while, but they're still one of the smartest ways to structure your business for tax efficiency, especially when thinking long-term or planning for the next generation.   We talked about practical, real-world scenarios - like how you might use Alphabet shares when setting up a company with your family, or if you're planning to pass on wealth to your kids without handing them the full keys to the castle (and without giving half of it to HMRC in the process).    Whether you're brand new to Alphabet Shares or you've heard about them and want to know how they actually work in practice, this episode's for you. I learned a lot from Tej, and I think you will too.    UFD RESOURCES: 

WE'VE HIT 40 MAGIC MOMENTS! ✨ In this week's instalment, I had the absolute pleasure of chatting with Kevin - someone who's not just super sharp when it comes to business and money, but also incredibly grounded in why he does what he does.  We got into financial independence and Kevin breaks down how crucial it is to have a strong reason why you're pursuing wealth in the first place. Once you've got that internal fire lit, you're basically unstoppable. One thing I really appreciated is how Kevin keeps it practical. He talked about starting with what you already know, and using that as the launchpad to create real, recurring income - not just trading time for money. That's how he built his businesses, and how he's helping thousands of families do the same. We also touched on legacy - what it means to be a financial role model and leave something meaningful behind for the next generation, which in today's world, that kind of forward thinking is more important than ever. If you're someone who's been on the fence about taking action, or you've been wondering how to turn what you know into something that can build real wealth - this episode's gonna speak to you. Did you enjoy listening to this Magic Moment? Click here for the full episode.

In this week's episode of the UFD Podcast, I'm joined by Katie Harvey co-director at Haines Homes and all-around powerhouse.  Katie's not only been smashing it with her rent-to-rent HMO portfolio in Oxford, but she's also launched a brand new business called Breathe, focused on helping entrepreneurs avoid burnout and actually enjoy the life they're building. Katie and I dive deep into how she turned her business around by ditching the "scale-at-all-costs" mentality and zeroing in on profit margins.  We dive into the power of financial planning, specifically how using a 12-month forecast helped Katie feel confident enough to leave her job as an electrical contractor, fully commit to entrepreneurship and create a life she's actually excited to live.  Katie also introduces her new venture, Breathe, which is all about helping other entrepreneurs avoid burnout through intentional lifestyle design. It's a refreshing take on business - one that puts wellbeing and balance at the forefront. We chat about what it's like running a business with family, including the dynamics, the boundaries, and the benefits of working with people you trust.  And finally, we explore how finding your “sweet spot” in business - that place where things run well without being overwhelming - can make all the difference. It's a proper behind-the-scenes look at how we've made big shifts, both in the business and in life - and why it's paying off in more ways than one. Give it a listen, and as always, let me know your biggest takeaways.  You can connect with Katie across socials via her links below: https://www.instagram.com/haineshomes_/  https://www.linkedin.com/in/katie-harvey-097571195/ UFD RESOURCES: 

In this week's Magic Moments episode, I sit down with Mr Tej Gill, a serious financial whiz. If you've ever wondered how to get more out of your money without giving half of it to the taxman, this one's for you. We get deep into pension schemes - what they actually are, how to use them to your advantage, and why most of us are totally sleeping on the power they hold. Tej drops some absolute gold about maximising contributions, using carry-forward allowances from previous years, and even a smart trick involving unallocated contributions through SSAS (Small Self-Administered Schemes). Sounds technical, but he breaks it down so clearly, it all makes sense in the end. This one's packed with practical, easy-to-action advice to get your financial house in order and build some proper long-term wealth.  We also cover: - How to contribute up to £60K a year into your pension (and maybe more) - Why opening a pension is something you can do right now - A game-changing SSAS strategy that lets companies make pension contributions without breaching your personal limits - How to gift money tax-free from surplus income  - Why future-you will thank present-you for sorting this out sooner than later Tune in and learn and if you want MORE tax secrets - tune into the FULL episode right here.

In this week's episode of the UFD podcast, I sit down with someone who's had one hell of a journey - Eddie Whittingham. From being a police officer, then a solicitor, to founding (and selling) a cybersecurity company, Eddie's now the man behind Ministry of Work - a very cool, high-end work club for entrepreneurs

Welcome to Episode 38 of Magic Moments ✨   This week's Moment is for all the entrepreneurs out there who might sell their business one day - even if it's not on your radar right now.   In this episode, I sat down with Tej Gill, our go-to guy for all things tax and finance, and we went deep on what it really means to build a business that's ready to sell.    We're getting into the juicy stuff - how to cash out smart - AND make sure you keep as much of that money as possible.   We talked about why selling your business doesn't have to mean the end of the road - it can be the door to something new (or even early retirement if you fancy).    But more importantly, Tej explained how Business Asset Disposal Relief (BADR) can be a total game-changer when it comes to tax. Imagine selling your business and only paying 10% tax on that gain?    Even if you're not thinking about selling now, structuring your business with an exit in mind can massively boost profitability, cut your workload, and give you options if life takes an unexpected turn.   Loved this chat with Tej - straightforward, no fluff, and packed with stuff most business owners never hear until it's too late.   Did you enjoy this Magic Moment? Click here to listen to the full episode.  

This week I am joined by Adam Goff from Property Entrepreneur - and what a wealth of knowledge this guy has after 20+ years in the business world, especially in property!   We dive into Adam's journey of building Property Entrepreneur into one of the UK's leading business training companies. What I found really interesting is how he approaches the financial side of his business - something I'm obviously passionate about.    Adam shared how his financial management has evolved over the years. He started like many of us do - handling finances in-house with basic systems. But what transformed his business was embracing proper financial forecasting and modeling. He admitted that getting clear on his numbers was a game-changer that allowed him to make much better strategic decisions.   Adam broke down how he structures his training programmes to help entrepreneurs at every stage - from complete beginners to established business owners looking to scale or exit. His methodical approach to teaching business fundamentals alongside property-specific strategies shows why his clients get such great results.   We also talked about some of the unique challenges of running a training business, particularly around managing time and energy. Adam shared some brilliant insights on how he's structured his schedule to maximise productivity while avoiding burnout - something I know many of us struggle with!   For anyone looking to build a sustainable business (in property or otherwise), Adam's approach to combining solid financial foundations with systematic delivery of value is something to learn from.   This was such a fantastic episode to record - I hope you enjoy it as much as I did!   UFD RESOURCES: