The Savvy Wallet Podcast

In this bonus episode, recorded live at the Morningstar Investment Conference, Ato speaks with Dan Kemp, Chief Research and Investment Officer at Morningstar — a leading global investment research and management firm known for its trusted data, analysis, and expert insights that help investors make informed decisions. In this episode we discuss: - Why you should ignore the headlines and stay invested - How to manage emotions during market turbulence - The risks of reacting to short-term noise - Morningstar’s long-term view on the UK stock market — and why it may be a hidden opportunity for investors - A simple strategy for building long-term wealth 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠ [http://eepurl.com/hJEcLL] 🤝Partners Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠ [https://www.tide.co/offers/savvywallet/] You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠ [tide.co/savings.] Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠https://hl.7eer.net/B0mz50⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠ [https://prf.hn/click/camref:1101l3RTLM/ar:SW] Capital at risk Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

In this episode, Ato speaks with Lámidé Elizabeth a former banker at JP Morgan and Citibank, international real estate consultant and co-founder of professionElle network. In this episode we discuss: - Lámidé's key lessons from working in investment banking - Why multiple streams of income is essential - Building wealth with no borders - The importance of discipline - Key insights from millionaires & money experts she's spoken to and much more! Connect with Lámidé:Instagram: https://www.instagram.com/lamide.elizabethYoutube: https://www.youtube.com/@Lamideelizabeth 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠http://eepurl.com/hJEcLL⁠ [http://eepurl.com/hJEcLL] 🤝 Sponsor Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠ [https://www.tide.co/offers/savvywallet/] You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠ [tide.co/savings.] 🤝Partners Black Business Show - Grab FREE tickets with the code "SAVVYFREE" https://www.birminghamblackbusinessshow.co.uk Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠https://hl.7eer.net/B0mz50⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠ [https://prf.hn/click/camref:1101l3RTLM/ar:SW] Capital at risk Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. TIMESTAMPS 0:00 – Preview 1:06 - Intro 1:41 - Meet former banker Lámidé Elizabeth 9:33 - Why I pursued a career in investment banking 11:30 - How to actually get into investment banking 15:42 - Key lessons learnt from Investing Banking 19:04 - Tide Ad 20:12 - Why is multiple incomes required 22:56 - How to think about building wealth with no borders 24:50 - Why is important to build wealth with no borders 32:31 - What to think about when it comes to moving? 36:10 - Success stories of people building wealth globally 38:42 - Challenges of building wealth with no borders 43:50 - How has living abroad helped me build wealth 47:37 - Birmingham Black Business Show 48:41 - Is there a future in the UK? 51:21 - Message if you’re hesitant in moving 55:31 - Pro’s and cons of Dubai 1:01:11 - Tips for getting a job in Dubai 1:04:59 - Other places great for building wealth 1:06:22 - Key insights from money experts & millionaires 1:09:33 - Why is discipline important? 1:12:29 - How to be more disciplined 1:18:29 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

In this episode, Ato speaks with Julianah a property investor & developer with over 10 years experience in the property industry and has a property portfolio worth £2.1 million. In this episode we discuss: - How Julianah scaled her property portfolio to 11 properties - How to build wealth with property - The pro's and con's of the BRRR strategy - The opportunity to invest in property in UAE - Whether buy to let is still a viable property strategy - How beginners can start investing in property and much more Connect with Julianah: Instagram: https://www.instagram.com/propertybyjewels 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠http://eepurl.com/hJEcLL [http://eepurl.com/hJEcLL] 🤝 Sponsor Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠ [https://www.tide.co/offers/savvywallet/] You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠tide.co/savings.⁠⁠⁠ [tide.co/savings.] 🤝Partners Black Business Show - Grab FREE tickets with the code "SAVVYFREE" https://www.birminghamblackbusinessshow.co.uk Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠https://hl.7eer.net/B0mz50⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠ [https://prf.hn/click/camref:1101l3RTLM/ar:SW] Capital at risk Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. Timestamps 0:00 – Preview 0:51 - Intro 1:27 – Meet Juliana: Property Investor With 11 Homes 2:18 – Growing Up in Brixton & Financial Struggles 8:20 – First Property: Sacrifices & Lessons 10:15 – Financial Breakdown of the First Property Deal 13:41 – Why She Invests Outside London 15:24 – Scaling to 11 Properties 18:19 - Tide Ad 19:33 – Investing in Property in Yorkshire 21:45 – How to Find the Best Areas for Property Investment 24:01 – The Key Property Strategies That Led to 11 Properties 27:11 – Investing in Uninhabitable Properties 30:29 – Property Challenges & Lessons Learned 32:10 – Her Biggest Financial Deal 41:51 – The BRRR Strategy Explained 43:15 – How to Evaluate a Property Deal Like a Pro 44:14 – Avoiding Costly Mistakes: Expert Advice You Need to Hear 46:58 – The Risks You Don’t See in Property Investments 50:00 – The Reality Behind Property Wealth 51:27 – The Dangers of Buying at Auction: What to Watch For 52:24 - Birmingham Black Business Show Ad 53:28 - How to make a BRRR deal successful 55:37 – Unlocking Hidden Property Deals Through Agent Relationships 1:01:32 – Beginner Strategies: Rent-to-Rent & Sourcing 01:05:22 - Is buy to let a viable property strategy in 2025? 1:07:14 – Investing in the UAE: Her Next Step 01:12:57 - Starting in Property Investment for beginners 1:17:41 – Lessons From 11 Years of Investing 1:21:16 – Patience & Long-Term Thinking in Property 1:28:24 – The Truth About Hard Work & Success 1:29:24 – Final words Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

In this episode, Ato speaks with Chris Ball, a financial advisor, chartered accountant, and CEO of Hoxton Wealth, which provides borderless financial advice to high and ultra-high-net-worth clients, managing $2.7 billion in assets for over 7,000 clients globally. In this episode we discuss: - Starting Hoxton Wealth - Money management is key to building wealth - Why buying a property isn't the smartest investment - The best performing assets to invest in - How to invest globally - Whether you can still build wealth in the UK - Best places in the world to build wealth and much more Connect with Chris: https://www.linkedin.com/in/chrisballhx 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠ [http://eepurl.com/hJEcLL]⁠http://eepurl.com/hJEcLL [http://eepurl.com/hJEcLL] 🤝 Sponsor Tide - Earn up to 4.48% AER Variable on your business savings here: ⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠ [https://www.tide.co/offers/savvywallet/] You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.48% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠tide.co/savings.⁠⁠ [tide.co/savings.] 🤝Partners Black Business Show - Grab FREE tickets with the code "SAVVYFREE" https://www.birminghamblackbusinessshow.co.uk Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠https://hl.7eer.net/B0mz50⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠ [https://prf.hn/click/camref:1101l3RTLM/ar:SW] Capital at risk Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. TIMESTAMPS 0:00 - Preview 1:08 - Intro 1:44 - Meet Financial Advisor & CEO of Hoxton Wealth - Chris Ball 4:27 - What inspired me to become a financial advisor? 7:13 - Moving from KPMG to Abu Dhabi 12:47 - Transitioning from a Tax Advisor to a Financial Advisor 14:12 - Key lessons from working in De Vere Group 16:04 - Why I started Hoxton Wealth 19:10 - Tide Ad 20:40 - The challenges of building Hoxton Wealth 24:09 - What sets Hoxton Wealth apart 29:49 - Lessons from working with high net worth clients 36:09 - How have my clients built their wealth? 39:20 - The role of a financial advisor 41:26 - How to think about ‘risk’ when investing in the stock market 45:44 - How to have a long-term investing mindset 47:55 - Core investment vehicles for people to invest in 50:40 - Free tickets to the Birmingham Black Business Show 51:43 - Is buying a Home a smart investment? 56:07 - Renting vs Buying your property 59:16 - Best approach to start investing in the stock market 1:02:12 - How long should you invest in the stock market for? 1:03:02 - Expected returns from investing in the stock market 1:03:42 - How to build passive income from an investment portfolio 1::05:53 - Should you have bonds in your portfolio? 1:10:50 - How to invest globally 1:14:50 - Key characteristics to be a good investor 1:17:43 - Working with clients leaving the UK 1:20:18 - Can you still build wealth in the UK? 1:21:20 - How to build wealth in the UK? 1:28:45 - Other Countries that are great for building wealth 1:33:47 - What it takes to build serious wealth 1:37:58 - Factors to consider before you move? 1:39:52 - What happens to your assets when you move? 1:44:39 - Are people still retiring in Spain? 1:45:49 - Vision for Hoxton Wealth 1:47:18 - Final Words Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

In this episode Ato has a conversation with Dr Andy Summers, who is an Associate Professor of Law at the London School of Economics. His research focuses on the evaluation and design of UK tax policies, particularly those affecting top earners and High Net Worth Individuals (HNWIs). He is the Director of the Centre for Analysis of Taxation (CenTax), a research center dedicated to contributing to the design of a more effective UK tax system. In this episode we discuss - The effectiveness of the current UK Tax System - Who benefits the most and least from the current UK Tax System - What changes need to be made to the UK Tax System - How the UK could apply a Wealth Tax - Whether a Wealth Tax would solve Wealth inequality and much more Follow Dr Andy's work: https://centax.org.uk 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠http://eepurl.com/hJEcLL [http://eepurl.com/hJEcLL] 🤝 Sponsor Tide - Earn up to 4.48% AER Variable on your business savings here: ⁠https://www.tide.co/offers/savvywallet/⁠ [https://www.tide.co/offers/savvywallet/] You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.48% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠tide.co/savings.⁠ [tide.co/savings.] Invoice Home - Create a FREE invoice with hundreds of templates here: ⁠https://invoicehome.com/to/savvy-wallet-audio [https://invoicehome.com/to/savvy-wallet-audio] 🤝Partners Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠https://hl.7eer.net/B0mz50⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠ [https://prf.hn/click/camref:1101l3RTLM/ar:SW] Capital at risk Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. Timestamps 0:00 - Preview 0:56 - Intro 1:32 - Meet Tax Professor Dr Andy Summers 5:27 How does the UK tax wealth? 8:53 - How effective is the current UK Tax system? 14:38 - Is the current UK Tax system fair?  17:22 - Tide Ad 18:51 - Why does the UK Tax system tax income differently?  23:40 - What’s the best tax system for entrepreneurs? 25:18 - What groups gain the most and least from the UK Tax system? 31:14 - How do the rich take advantage of the UK Tax system? 36:47 - Do the rich pay their fair share of taxes? 39:01 - Invoice Home Ad 40:01 - How has the UK tax system contributed to wealth inequality? 42:19 - They’re not sharing the full picture on wealth inequality 47:41 - The proposal for taxing the wealthy and the rich 50:54 - What should be fixed first with the UK tax system 53:57 - How much could a wealth tax raise? 59:21 - At what threshold should a wealth tax apply? 1:05:01 - Will a wealth tax address wealth inequality? 1:08:04 - Should the UK have an exit tax ? 1:11:31 - Why the UK doesn’t have an exit tax  1:17:46 - Is the current UK tax system suited to our economy 1:23:05 - What is the impact of making changes to the Tax system 1:26:21 - Could we lower income tax in the UK? 1:32:30 - Will the rich really leave if we introduce a wealth tax? Factors  1:40:38 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]