A very warm welcome to the SSAS Business Podcast specifically for those who run dynamic businesses, are SSAS pension trustees and have decided to take full control of their personal wealth economy.
In the podcast I share with you how you can understand the power of this high performance combination of business, SSAS and wealth generation, to create the power, freedom and choice in your life, creating your multigenerational legacy.
I am so passionate about Business and SSAS Pensions that I wrote a #1 Amazon best seller on the subject, “SSAS Pensions, Creating extraordinary levels of compounding wealth”. To find out more about how SSAS can be a game changer in YOUR personal economy, join thousands of SSAS Trustees on our Facebook Group 'SSAS Alliance’ and join us at www.ssasalliance.org
Interview with Mike Bristow or CrowdProperty
About Mike Bristow:
Mike Bristow is the CEO and Co-Founder of CrowdProperty (www.crowdproperty.com), the UK's leading specialist property project online lending platform. With a background in strategy consultancy advising major corporates and private equity funds on corporate strategy and buyouts, Mike has been investing in property since 2002, investing in high potential proptech businesses since 2014 and sits on the Investment Committee of Pi Labs, Europe’s first and most prolific venture capital fund investing exclusively in early stage ventures in the proptech vertical. Mike has an MBA from London Business School, was named in the Peer2Peer Finance News Power 50 list in both 2018 and 2019, is a founding board member of the Innovate Finance 36H Group alongside other leading peer-to-peer lending platforms and was named 'Entrepreneur of the Year' at the Midlands Business Awards 2020.
About CrowdProperty (www.crowdproperty.com), the UK's leading specialist property project online lending platform:
CrowdProperty is a fintech/proptech online-lending innovator, exceptionally efficiently matching the demand (quality property professionals undertaking quality property projects) and supply (retail/institutional investors) of capital for value-creating property projects, delivering a better deal for all – borrowers, lenders, the under-supplied UK housing environment and spend in the UK economy.
Actual property development and investment experience lies at the heart of the business meaning hands-on, expertise-led due diligence and loan monitoring. Lending is focused on the SME property professional market, a key segment for supplying much needed UK housing stock, which is poorly and inefficiently served by traditional funding sources. CrowdProperty funds property professionals undertaking any sort of property project (including auction purchases and bridging), structuring the perfect funding product and doing so with greater speed, ease, certainty and expertise than anyone in the market. As property people providing property finance, we intimately understand the market needs. CrowdProperty has lent almost £100m, funding the development of over 1,000 homes worth over £180m since 2014, rigorously curated from over £3.5bn of project applications, with a perfect payback track record.
CrowdProperty is authorised and regulated by the FCA, is an HMRC approved ISA / IFISA manager, attracts significant SSAS Pension and SIPP Pension capital and is a founding member and only property specialist platform in the Innovate Finance 36H Group (and formerly on the board of the P2PFA / Peer-to-Peer Finance Association). CrowdProperty became the first and only property P2P lender to become Brismo Verified, independently validating CrowdProperty’s market-leading performance, showing significant outperformance of Brismo's UK P2P Index. Read more about alternative finance, peer-to-peer lending, crowdfunding, property and CrowdProperty on the
Find out more at www.crowdproperty.com
Read more on the CrowdProperty Blog: https://blog.crowdproperty.com/
About investing with CrowdProperty: www.crowdproperty.com/lenders
About borrowing with CrowdProperty: www.crowdproperty.com/borrowersVideo case studies from existing borrowers: www.crowdproperty.com/case-studies
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Interview with Louise Righton
This week I am joined by my great friend and co-author Louise Righton.
Louise Righton is one of the new wave of SSAS Trustees learning how to unlock pensions built up over a lifetime of contributions and turn them into a multigenerational family asset. Louise has spent her thirty-year career as a senior level global marketer in the life sciences industry, building consumer health and pharmaceutical brands. A graduate in Industrial Management from Nottingham Trent University, a Chartered Marketer and Fellow of the Chartered Institute of Marketing, Louise also holds a master’s degree in Strategic Marketing Leadership from Henley Business School. She is a property investor and residential landlord, SSAS Trustee and founder member of the SSAS Alliance regional networking groups in Yorkshire and the East Midlands. Louise is co-author of SSAS Superstars! How Ten Entrepreneurs Unlocked Their Pensions – Without Waiting to Retire, published in 2020, and is a regular contributor to podcasts on the subjects of wealth-building and SSAS pensions.
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Interview with Chris Henry
This week I am joined by my great friend Chris Henry.
With 24 years of experience working at senior levels within the UK Banking sector and having helped Banking and Financial Services divisions and subsidiaries grow, Chris now uses his knowledge and experience to coach SME business owners, so they get great personal & business results.
Chris also owns a Wealth & Property business, has been interviewed on local and Sky TV & has first-hand experience of how to use existing Personal & Business assets to generate increased wealth and 'passive' income.
Chris is an experienced SSAS (Pension) Trustee and has a successful track record in deploying funds through 3rd party lending and direct investment in property.
Chris is also an author having recently contributed to a book which is a legacy for future generations ’Advice to Your Younger Self’
This is Chris’ powerful chapter in the book ADVICE TO YOUR YOUNGER SELF – AVAILABLE ON AMAZON NOW.
As children we have a special place, a place where dreams are formed, and imagination is allowed to meander. My conversation with the young Chris Henry starts here at a sports field (Beck Lane) close to our childhood home, where school summer holidays and evenings were spent practising being the next big football superstar - this was our Wembley.
Looking back isn’t something I’ve spent much time doing. I’ve been so focused on moving forwards, meeting the challenges that life has brought, so when I meet myself in my memory, that young man of twenty, his whole life ahead of him, I can’t help but feel a strong desire to impart to him an understanding of the one thing that lies at the heart of everything - the precious gift of time.
The average person lives 4,000 weeks, I tell young twenty-year old Chris as we sit in the goal mouth, looking across the well-manicured Beck Lane pitch in Liversedge, West Yorkshire, a place I have known all of my life. Back then the days were long, the memories short and time seemed endless. This area is where I grew up, where I went to school, where I had my children, and where I finally learned what truly mattered. Interesting I say to Chris, that as children we dream but then as adults sadly, we stop as reality kicks in.
Time, I tell him, is your most precious asset. It’s the one thing you cannot halt or get back once it’s gone. That perception was never more acute than in 2005, after
suffering a pulmonary embolism in Madeira at the age of 44, when time very nearly ran out. What followed was two weeks in intensive care, followed by six months recuperation. I’d been forced to stop, literally, and after being handed my life back, I slowly, over a period of years, began making changes to bring my one precious life back into alignment with who I really was. It made me focus on what I really wanted and though we can’t halt time, I tell young Chris, we can start to use the knowledge and insights gained to make the absolute most of the life we have been given.
We were so busy, I tell him, in our twenties, thirties and forties - life went by in a bit of a blur. It was all about earning a living, bringing up a family and not stopping to question. It was only in my 50s when I’d reached a level of financial comfort that I started to appreciate the importance of developing who I was as a person. I discovered that the only way to develop and grow personally was to really get comfortable with being uncomfortable. It was not something I found easy at first but key to this was finding and discovering people further ahead on the journey than you are - inspiring people, with clear plans and goals, mentors, coaches and people who keep questioning you to discover your limitless potential. The key to this is to focus on what brings you joy - ‘follow your bliss’ - when you find what you enjoy doing, throw yourself into it wholeheartedly. Don’t be afraid to reach out for help either
Rob Wilkinson: Ships captain to captain of crowd funding!
This week I am joined by my good friend Rob Wilkinson.
Rob Wilkinson is an award-winning co-founder of FCA approved property funding platform, Crowd with Us. He heads up a specialist team that provides investors with a variety of debt and equity-based property development investments. Along with his team, Rob is responsible for creating and administering CWU’s Institutional grade due diligence. He oversees all operational and business activities to ensure continued growth and consistency with the overall strategy and vision of the business. Rob is also responsible for building long-term relationships with key partners and stakeholders. Through careful monitoring of market conditions, he maintains a deep knowledge of both the property and finance industries.
Rob is a qualified Master Mariner, having worked on some of the world’s largest and most prestigious privately-owned yachts. In this role, he was responsible for managing the assets and relationships of Global Leaders and Captains of Industry, including a senior member of the Saudi Royal Family and former world's richest man with a net worth of over $60bn USD. In this role, he met and dealt with well-known world leaders such as Donald Trump, Tony Blair and Barack Obama to name a few.
Here is Rob’s chapter from the book. If you feel inspired and want to read more then buy the book “Advice To Your Younger Self” on amazon and support our great causes.
ROB WILKINSON BOOK CHAPTER
I’m a Master Mariner (Ships Captain) by trade, having been awarded a scholarship to study as a Navigational Officer Cadet at the age of 16. Prior to my first trip to sea at this young age, knowing that I’d be surrounded by, and leading men much older and experienced than myself, my father gave me two pieces of advice that I’ve never forgotten. “Don’t ask others to do what you wouldn’t be willing to do yourself” and “Speak to others how you’d wish to be spoken to”.
These two principles came to serve me well as I progressed through the ranks of life at sea. Up until around my 25th birthday I’d always been the youngest person on any ship I sailed on and had been leading teams on a daily basis for most of my career, up to that point. I’ve always asked myself the question: ‘Would I do this?’ before asking something of someone else. In many cases, especially in new environments, where it’s important to gain the trust and respect of those you’re working with, or where the personal safety of others comes into play, I’ll often carry out the task alongside my team to demonstrate my ability and the fact that I’ll happily do anything I ask of others. The above said, you can’t expect to know everything, so it’s also incredibly important to always show humility. There may be instances where you have no choice but to ask someone to do something you wouldn't do yourself, for the simple reason that you don’t know how to do it. In these situations, I’m always honest with those I work with, explaining that they are the experts, that I don't know how it should be done and that I need to learn from them. This is a much better position to take as opposed to claiming to know something you don’t, as those that do know will easily identify you as a fraud and any respect or trust you’ve built up will quickly erode.
My father's second piece of advice goes without saying really, but is easy to forget, especially when we find ourselves in positions of power. This could be anything from being promoted to the Captain of a sports team to running a deck full of grown men. By speaking to people how you’d want to be spoken to yourself, rather than at them, you’ll get a much better reaction. This is where effective communication comes into play. Mastering the skill of interpersonal engagement is fundamental to our personal and social development. It sets rules, boundaries and steps to attain desirable results and success. The ability
Lars Singleton: Insights into the role of a SSAS Corporate Trustee
In this episode I interview Lars Singleton of Empowered Pensions. Lars is widely known as being one of the most experienced SSAS Corporate Trustee in the UK as well as being a business owner and entrepreneur in his own right.
As Lars is a Corporate Trustee to my own SSAS I get a really insightful view of the man behind the SSAS role, the experience over several decades and really get into the nitty gritty of what it takes to manage a SSAS as well as the potential that can be realised by using sound business, investment and governance principles.
In the interview we dive into the detail that Trustees need to be aware of, the penalties for non-compliance and the challenges that Lars has personal encountered and also seen other Trustees overcome.
I know you are going to love this episode, frank, to the point, no fluff – just years of experience distilled into raw discussion between Corporate Trustee and SSAS Trustee.
Lars is Managing Director at Empowered Pensions, Empowered Trustees & is an FCA Regulated IFA
Lars is also a co-owner of several other businesses in the Professional development, Corporate Trusteeship and Property Development arenas. As a Financial Adviser to High Net Worth individuals for over 20 years he blends mainstream Financial Advice with a business entrepreneurial style.
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Alex Impey: From rebuilding Iraq to using SSAS to build integrated communities
In this episode, Alex Impey shares with us how he has transitioned his engineering knowledge working in many challenging environments around the world into harnessing the power of his SSAS.
Alex Impey is the head of property operations and founder of XUSA Properties, a niche development company that specialises in commercial to residential conversions. They aim to deliver both rewarding and life-changing experiences through sustainable developments by creating urban living spaces and social community development projects. Their ultimate mission is to make quality living both affordable and enjoyable for everyone.
XUSA focuses on mixed-use, mixed-tenure (private and social) schemes wrapped around a community element. It is this community element which differentiates them and makes them unique (please see their product model on the left). XUSA creates bespoke residential and mixed-use homes designed solely for first time buyers, young professionals, key workers and aspirational renters. This will support quality end to end living and provide an environment for private and social renters to flourish. These homes will integrate technology to encourage interaction and build a supportive community.
Alex is also a Chartered Mechanical Engineer (CEng) and has travelled around the world working in professional integrity and assurance roles across highly resilient global infrastructure. His role has always been simple; to mitigate risk and provide steadfast assurance at all stages of a project’s life cycle.
He has achieved this whilst visiting some of the most challenging and extreme locations in the world and has personally delivered over £250M of CAPEX projects. Alex loves all things related to his personal development and has dedicated the last 12 years of his life to researching the best ways to improve and evolve personally whilst mapping what he has learned, into a repeatable system for others to use.
Alex studied both Mechanical Engineering and Astronautics and Space Engineering at University, not only is he a self-confessed geek but also a massive Star Trek fan too! He is also a co-author of “Advice to Your Younger Self” available on Amazon with all profits being donated to B1G1 and The British Heart Foundation
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A rare thing.....
Mark has not only put his knowledge into words in a book - but now he’s bringing it to life through others’ stories, great to hear!
The SSAS alliance built around shared values and growing together.
For more information read Marks books and attend one of the SSAS alliance events that are being rolled out across the country. More information can be found on the SSAS alliance Facebook page.
Always top, trusted content from Mark Stokes.
Will look forward to hearing many more of your podcasts Mark