A franchise business is a model in which the franchise owner grants another business a license for the proprietary business knowledge, processes, and trademarks, thus allowing the franchisee to sell a product or service under the franchisor's business name. This week we interview Stephen Moss – Founder of Sourced Co. Stepehen talks us through the peer-to-peer business model that him and his team have developed, connecting lenders directly to investors and leveraging new technology to grow the business.
A franchise business is a model in which the franchise owner grants another business a license for the proprietary business knowledge, processes, and trademarks, thus allowing the franchisee to sell a product or service under the franchisor's business name. This week we interview Stephen Moss – Founder of Sourced Co. Stephen talks us through the network of over 160 franchisees he has built, as well as the peer-to-peer business model that him and his team have developed, connecting lenders directly to investors and leveraging new technology.
Resources Mentioned In This Episode:
>> Connect with Stephen Moss [LinkedIn]
>> Join the WealthBuilders Academy
>> REGISTER HERE FOR FREE RESOURCES ACCESS
If you have been enjoying listening to WealthTalk - Please Leave Us A Review!
Unknown Speaker 0:01
The purpose of wealth talk is to educate, inform and hopefully entertain you on the subject of building your wealth. Wealth builders recommends you should always take independent financial tax or legal advice before making any decisions around your finances.
Unknown Speaker 0:20
Welcome to Episode 143 of wealth talk. My name is Christian Rodwell, the membership director for wealth builders and I'm joined today by our founder Mr. Kevin Whalen. Hi, Kevin.
Unknown Speaker 0:29
Hello, Chris. Good to be with you. Again. Sad to say, though, I'm on location. I'm actually at Lingfield racecourse today. So if there's a little bit of chitter chatter in the background, well, that's what it's all about.
Unknown Speaker 0:42
Yeah, yeah. No, nothing to be sad about there. But we can hear you loud and clear. And today, we have a guest joining us, who is Stephen moss, and Stephen is the MD of the source group. And we really like the model that Stephens put together here, don't we, Kevin? Because it's, you know, it's it's really kind of combination of things that helped to create a recurring revenue business.
Unknown Speaker 1:06
Yeah, well, look, we're we're big fans on we have the concept of building wealth in multiple streams of income, hence, the seven pillars and have a listen, as you get to sort of really take into account what Stephen is saying, there's a combination of different pillars here, there's IP in there, there's, there's definitely recurring income business model, there is property, there is a whole there's John ventures there when it comes to attracting investors. It's just a real good example of our business owner, you know, intelligent application of good thinking, based on previous experience, as well as lead Steven to create a very, very powerful model, not just for the him, but also for his franchisees.
Unknown Speaker 1:54
Indeed, yeah, so definitely some lessons to be learned. And think about the seven pillars as you're listening to Steven talk, and we'll come back afterwards with the debrief. Alright, let's head on over to our conversation with Stephen moss. Stephen, very warm. Welcome to off talk today.
Unknown Speaker 2:11
Yeah. Thanks for having me, Christine. Appreciate it.
Unknown Speaker 2:14
Yeah, it's been a long time coming, good friend of wealth builders. And I know you know, Kevin, very well. And yeah, really looking forward to hearing about your business today, Stephen. So why don't we begin there? And just give us a little background to yourself, and and source capital?
Unknown Speaker 2:28
Yeah, absolutely. So my name is Steve moss. I'm the founder and MD of source group. So we launched in 2017. And I've been in the property sector for about 21 years now. So getting old, ultimately. But yeah, we have had experience of growing businesses and selling businesses. And we look at different models that we can enter into the franchise, introducing the franchise model into the property world. And, you know, it's been a challenge, but very rewarding, really exciting, and lots of really good things going on. And it's kind of opened up our business in terms of, we're now in a situation where we had a plan of rolling out different areas of the business. So we started with our franchise network. So a network currently over 160 franchisees across the UK, find any investment opportunities. And that'll lead us on to our peer to peer lending platform, our capital side, and then onto our property side and onto our development side. So you know, it's nice how the business complement each other and work together, and benefit investors as well. So it's quite exciting.
Unknown Speaker 3:34
Yeah, well, already sounds like a lot going on there. Steven. So give us an idea of kind of size of the team. And where are you based?
Unknown Speaker 3:42
Yeah. So we're based in Warrington, just between Manchester and Liverpool. So when the sun's always shining? So yeah, currently 26 of us head office. So consider consistently growing as a business and the team. So hard challenges, I think we were just talking obviously, about previous podcasts and talks, when COVID kind of kicked in, and we just took this bigger office space. We're now at a point where we're having worked on in the office to build more offices and make more space for people and things like that. So So yeah, exciting times.
Unknown Speaker 4:16
Yeah. And you're not new to business. Steven. So what's your background before you set up sourced?
Unknown Speaker 4:21
Yeah, so as I say, I've been in the property sector for 21 years, very fortunate to, to join at an early age and and learn lots of different strategy structures and go through different markets and changes. I also found that a business called legal for landlords, we grew that to the largest tenant eviction company in the UK, and then sold out before before venturing into sourcing and putting the business all together from this.
Unknown Speaker 4:46
Yeah. And And what year did you launch? So stay tuned.
Unknown Speaker 4:49
So 2017 So I was about seven it feels like 20 years ago, but it's not that bad. Yeah. 2017 So four and a half years currently and Yeah, some of the things we've achieved, you kind of look back now and think, Well, you don't see it on a day to day basis, because you kind of head down and lots going on. But when you look back at where we are and what the business is doing, it's, it's unbelievable.
Unknown Speaker 5:13
Yeah, I'm just like, just, you know, try and pull out from Steven, like any entrepreneur who's starting a new business, right? Generally, it's identifying a problem that exists out there, and you think, hey, I can fill that gap, right, I can do something better. So was there something specific for you at the beginning where you thought, Okay, I'm going to do this?
Unknown Speaker 5:31
Yeah, I've kind of looked at the front, I mean, my previous business, we franchise, so I got to learn a lot about franchises. And I really enjoyed it, and really like meeting all the people and their experience and working with people as a franchise model. And when I sold the business, I was asked to contract to another platform, so a lending platform. So during that time, I got the opportunity to understand what the problems were the issues. But this kind of lightbulb moment was really that actually, you know, peer to peer could really help property investors, property traders, there's a huge opportunity here of really helping them develop in it. And it kind of came from the fact that when I sold my business, I started playing again, with property and, you know, developing little bits and things like that. And when I started reaching out to people, it was the same people I've dealt with, you know, six years ago, they were doing the same thing. And there was they were giving me opportunities, and you know, the opportunity might be to convert HMO and make 150 grand, and they wanted a five grand fee. And I kind of sat with him and said, Well, why don't you just do it, you've been doing this as long as me, I don't understand why you're not doing this opportunity. And, and the feedback generally was either Well, we've not got all the money or the funding scares me or, you know, the, the training experience. And, and that's kind of really where we started to see the opportunity to say, right, okay, well, if we can put these together, we can create this franchise network that we support, we educate, and we trade, and then we bring in funding through a separate vehicle, particularly Peer to Peer, peer to peer is such an amazing concept. Because, you know, everybody in the end, the chain is benefiting, excuse me. So you've got investors that invest in their funds, they've got security, and they're getting a fantastic return. It's giving funds to borrowers, it's an enabling them to project so they're getting a great return from it. Just nice to see that all kind of work together. From from our point of view as a platform.
Unknown Speaker 7:23
Yeah. So So kind of disruptive, right? Early, sort of spotting the technology, what's coming and trying to ride that wave. Right. The beginning?
Unknown Speaker 7:33
Yeah, you know, it's I think PSP, even now, it's still a relatively young phase, when you look at, you know, the time that banks have been in place, and a peer to peer still talks about relatively new concepts. It's not totally new now. It's still exciting, because you still see, there's the new, there's new formats coming out with technology. So you know, open banking is a great example. And it's, it's great, because where a lot of structures can't introduce this new technology, because, you know, typically large banks, etc. Whereas companies like ourselves, we can jump onto these new technologies, we can implement them fairly quickly. And it means that our investors get the benefit of that straightaway.
Unknown Speaker 8:14
Yeah, and I think what we've loved source is, because there's such a lot of parallels with what we teach our wealth builders, Steven, in terms of our Seven Pillars of Wealth, you know, looking to diversify across as many of those as possible. So maybe we sort of look at some of those, and maybe looking at pensions and investments, obviously, there's ways to invest tax free using SAS and sip. So you know, how are some of your clients members, you know, using the platform to do that, Steven?
Unknown Speaker 8:40
Yeah, so as I mentioned, our source capital, I'm in the business, we're a peer to peer lending platform. So we've just just kind of give you a bit of an update on where we are with that. So we've actually just completed the purchase of a business, which has meant that we're now directly authorized to the FCA. So previously, we were authorized port as an appointed representative. So we've worked really hard throughout last year to to gain the changing control approval from the FCA, which has meant that we're now directly authorized, so huge, huge step forward for the business, which is brilliant. What it means for investors is, you know, can we can continue to grow the platform, we continue to introduce new opportunities. So we work with investors that can invest in a number of ways to invest with cash, they can invest with ICER. But as you mentioned, pensions as well. So sit in SAS, so they can invest into a project, they get first job security, and they get a return of typically 10 to 12%, depending on how much they invest or what the project is, as well. So so we see it as really good, good returns. A lot of our investors that invest with the pensions, they like it because our average is about 12 months alone. So seeing the short term investor as well. So they can see as a way of putting their pension into something getting a good return for 12 months, while they're either looking at other opportunities or other ways. Excuse me to build the that
Unknown Speaker 10:00
wealth. Yeah. And then of course, on the other side of that is finding the deals. So tell us a little bit about the network of sources that you have out there. And how does someone you know, get involved with that if they're interested?
Unknown Speaker 10:13
Yeah, so the concept ultimately is we're a franchise network. So we've got over 160 franchisees across the UK, and our franchisees go through training support, we put on about 200 training days per year. So there's, there's a huge amount involved in supporting them, we also generate leads for them as well. So we send leads through to the CRM system. On the back of that, the franchisee will then go to the property, they'll analyze the property. And they've got a number of ways that a number kind of exit, so they might turn around, say, Okay, this property, it's a good deal, I'd like to package it and sell it to an investor. So we then put onto our marketplace for investors to purchase. So anybody who's got a SAS and looking for commercial properties is a great way of, of getting those introduced. Alternatively, they might find an opportunity and think I'd like to do this opportunity. And they'll come to us from a capital point of view, to inject funds into it and to allow them to do the project. And again, it's, as you said, convenient. It's a way of diversifying as an investor. So you could either purchase the property, or you can invest them into loans and do it that
Unknown Speaker 11:15
way. And then bringing that technology in, you know, which kind of looking at the IP pillar there, so tech that you guys are controlling and owning there. So tell us a bit more about the app like, you know, why did you feel that was important? How does that work? And, you know, how can people use that? Yeah,
Unknown Speaker 11:32
I think, you know, we looked at our website last year, our property website. So predominantly, what we were ultimately doing is we find the opportunities, we list them on our website, and it was quite basic, in terms of it was just a listing. And it's quite scary that the volume of people that was attracting so we get about 45,000 hits per month, people looking at these properties. And it wasn't fully kind of jointed in terms of we didn't have the communication port, it wasn't easy to navigate. So we looked at it as Okay, do we do the new a new website and rebuild it from that point of view. So it's easy for investors and easy to communicate with the franchisees. And when we started looking actually at an app, what is meant is that we've got this new app, which is on Android, Apple, its source property app, so people can download it, it's completely free. They can, it's kind of got like a tinder feel to it in terms of new properties come in, you swipe left or right if you're interested, and then you've got a search for it as well. So you can go in and search properties. But ultimately, as well, the agent, the franchisee, they have a separate app, so you communicate directly with them. Whereas previously, previously, we had the issues were getting hold the franchisee, or you know, their own set of viewings, etc, it's a little bit more difficult. So it's opened up the communication a lot more, which has been great. And I think one of the key drivers for us as well was the volume of property. You see a lot of people that enter this market or try and do an app or something like that, generally the don't have the volume of property that comes to the market. So you can watch it, you go to the app and you check it, you download it, you check it out, it's got a 50 properties on, and then it's only getting one, two or three new properties a week. And it's not really it's not going to keep your interest or it's not gonna make you go back to that. Whereas our self as a business, typically we're averaging about 50 new properties a week. So we're getting really good volume on. It's only growing as our franchise network grows. Reservations are really strong feedbacks really good. You know, there are things that are going to change, there are things we're going to develop. It's kind of our first version, but the feedback so far has been really, really good.
Unknown Speaker 13:33
Yeah, and that's a really great app. And obviously, we know 2021 The demand for residential property was was pretty insane. And how are you feeling or seeing the market changing as we have just entered 2022?
Unknown Speaker 13:48
Yeah, I mean, it's quite funny, isn't it? Because we did a video the was it the beginning of last year, and we did we did a video to our franchisees council about the market, we were like, look, we're in a bubble, it's gonna burst this is this is great for us, we've got all these opportunities that are going to come, we're in a great place. And he didn't he just carried on rising and rising or rising. So you know, I think some degree Yes, things you've got to change. Obviously, we've got a slight change in the interest rates, we've got inflation, which is obviously a threat there as well. And, you know, there's a mixture kind of happening at the moment. And I think what's driving the market at the moment is just the lack of stock that's coming on. We've seen as well, like everybody else, and there are less opportunities out there for the property world. It's a cycle, you know, and you just got to look at history, what's happened, what stays right now and what's gonna happen next. And you know, it's exciting because ultimately, if we have a bad market, you know, a lot of people are concerned about getting into poverty because they think well, now we have a bad market. Like I say, I've lost all this money, relative as you're looking at always recovers. We're talking this morning about Facebook, so I'm sure you've seen Facebook this morning. As dropped. I think it's 200 and something billion pounds white Soft Facebook stock market. So now the reality of it is that will slowly recover and recover. And the same happens with property. Watch, it will be the kiss of death of Facebook. So maybe we shouldn't put this out until a couple of weeks later. But yeah, but yeah, that's the reality, it comes in cycles. And we're seeing the same thing, shortage of properties. But we're still managing to get a good number of deals on the app. You know, as I say, averaging 50, or franchisees got lots going on as well. I think one thing that I'd say is changed the last couple of months is expectations of sellers. One of the difficulties we had the last half of last year was expectations of sellers was, you know, we couldn't make deals work in a number of cases, the seller just wanted too much. And what we generally found is that somebody has been willing to pay it, it's gone through the process of valuation, and it's not worked. So it's back on the market. And now suddenly, sellers are a lot more open to it. I tell your story that happened yesterday, I shared it with our franchise network in one of our Facebook groups yesterday. So we've got a hotel that I went to see last week, on the market 850,000, we're looking to convert it to 14 apartments, it's a joint venture with our franchisees. So we do a lot of joint ventures with the franchise guys. Once have a look great location. So the architect yet we can do this if this. So I did the figures. And while I was on the view, and I said to the owner said, Look, you know, for me, it wasn't worth 850, I'm looking at 775 These are the figures, these are the reasons why and explain their journey questions just to approach it an early stage. got confirmation from the architect, yes, we can do this as this. So put my offering right into the agent 775. With the full reasons of why we've been in it, etc, etc. So didn't hear anything back then the next day we get a message from the agent. No, they want a 200. And a lot of occasions, you kind of jump at it thinking well, okay, the reality of it is it works 850 You know, that's that's the reality. But we want to make sure we're building those margins in your building costs are going off, things like that. So we've got to be careful. So I just kind of have this gut feeling of general I spoke to them and met them, I'm pretty sure. So I managed to get hold of the sellers number give them a call. Not aggressive What if I just been open say, Look, you know, I came along, I was very thorough, very detail with the explaining situation, explain my numbers. And I can give this kind of five minute pitch without breathing. If you know, these are the reasons why you should say my offer, you know, the usual sort of thing. And then when I stopped to brief the response from the owner was said, Steve, we're happy with your offer. We told the agent, we're happy with the offer. I think he's trying to get more money to increase his fee. And it was like, wow, you know what, that that phone call and that that's five minutes of my time, she'll save me 25 grand, you know, so sometimes it's not always the sellers. So just as far as anybody dealing with property, just keep that in mind, particularly if you're new in the sector. So very, very
Unknown Speaker 17:52
good lesson there. Indeed. And I guess, you know, that all comes with education. And the experience does now LFC, wealth builders, education, sport connections really key and I can see that definitely is, you know, for you, as well as sourced there, Steven. So, as you say, your franchisees, you know, they're getting that support that education so they can become better, finding better deals and working with investors and due diligence, obviously, a key aspect of everything there as well. So in terms of the community of source, do you know, how have you kind of cultivated that? And, you know, why is that so important?
Unknown Speaker 18:24
Yeah, I think a lot of it is driven, you know, hold my hands up, say a lot of is driven from our team at head office, we've got a really good group of people that are very passionate and care about the brand, they care about the business, and a lot of the guys as well have been with us for from the very beginning. And so, you know, that shows in terms of the, when we do things like the induction training, so we had a training induction bring on things probably about two weeks ago, there are 30 franchisees there, which was fantastic. And that's not just new franchisees, that's people that are, you know, either doing it together and things like that. So, but the kind of everyone comes out of it really excited, you know, everyone comes out of it really passionate, you know, they can see the passion going through the trainers, the the franchise director, Chris does a fantastic job. And sharing where we are, where our vision is, where we're trying to do, what we're trying to achieve, how to do that, and what the steps are as well. So it's difficult because I think, you know, when you when we started off, it's very difficult to get that balance in up because what you don't want to do is kind of say, Look, this is a get rich, quick, quick scheme, because it's not property, you know, property is a long term game and, you know, trying to keep people as soon as you ask about something, when it could take six months to go through or, you know, a simple flip could take nine months because you've got to buy it do the work then sell it you know, that's, that's quite difficult because you're keeping people motivated for quite a long period of time until they get paid once they've been paid on that first project. Then it changes because the money that you can generate from them, you know, typically quite life changing. So generally speaking people need that motivation to get through it? Once they're through it, and they've got that money in the bank, they can say, actually, that's the end result. That's what I'm working towards. And then they start pushing to gain it again.
Unknown Speaker 20:10
Yeah, yeah. So Steven, what's on the horizon source? What are you excited about for the years ahead?
Unknown Speaker 20:17
Yeah, we've just obviously, we've just completed on the purchase of a company, which has gained as the FCA regulation. So we've built our own peer to peer platform, our own new front end website. So that's all really exciting, that's just launched, we've got the phone apps, we've got version two, which is coming in the next two, three months, we've also, we've just agreed to purchase a technology company, which is introducing new products to our franchisees and helping them identify opportunities, quicker, faster, more opportunities, and linking all our systems together as well. So you know, big year plan for us as usual, really exciting stuff and, and also our development so we part of our businesses are developments. A lot of SAS investors supporters with our developments. And we've got we've got stuff ducted all over the UK and and the pipeline is phenomenal for the the development side of it. And we're kind of putting new twists on things. So we're looking at ways that we can be more eco friendly, more green, you know, and do our bit, I suppose ultimately, and it's quite exciting to see how we can apply that and you know, using your imagination to come up with different ways. And we've got green walls, garden walls, eco urban forest, that different things I have, which is it's quite, it's quite exciting to put into place.
Unknown Speaker 21:34
Yeah, really, really cool. Steven and for anyone listening now, if they want to check out sourced find out more, where's the best place for them to head?
Unknown Speaker 21:41
Yeah, if you visit sourced.co x, just co So visit the website there, you'll you'll be able to the different areas of the business search, click on those, and you'll be able to get bit more information about the different sectors and find out more.
Unknown Speaker 21:54
Great, Steven, thanks so much for being a guest on wealth talk today.
Unknown Speaker 21:57
Yeah, no, thank you for having me really appreciate it. And before so the next time we speak, thank you.
Unknown Speaker 22:04
Okay, I think I counted six out of the seven pillars where there's something going on there inside the business. So we can pull those out in a second. Kevin, before we do that, let's head to Trustpilot. And we've had a review this week from Vinita, who says I have had a really good experience with wealth builders, you'll have the opportunity to work with experienced people take that take a lot of pleasure in the success of their mentees a great choice if you want to grow your business. And the prices are very reasonable to what value do you place on quitting your job and living the life you want? And so thank you for Nate for that very kind review.
Unknown Speaker 22:41
Well, what value indeed I mean, as Warren Buffett says, you know, if you don't find a way to create recurring revenue, you'll be working till you die or till you can't work anyway. For sure. So I think what price is it to pay to become financially independent? And? Well, you know, we're grateful that many people are looking for a roadmap, and they choose us to do that. But Steven doesn't need a roadmap does he's on track. Definitely, I saw the six six pillars out of seven, then you could probably work hard and find the seventh one, because I think the one missing was probably home equity, Chris, home capacity. But I'm sure the franchisees, those who've recognized that they could build wealth business model by becoming a franchisee Stevens a franchisor. And there's a big difference between a franchisor. And the franchisee we've never really talked about that before, Chris, in terms of the franchise model being a recurring income model. But just think about that concept for a moment. If you think about the idea of being a franchisor, what you're really doing, you've created a business. And you're essentially passing on a share of that business. Instead of like, buying shares, you'd like you would if you're buying something in the stock market, you're actually creating shares. And that's so much more powerful than when you create something as opposed to when you just buy something that's already there. So by getting Well, I think he said 160 franchisees in the UK. Now some of those probably Chris might have tapped into their home capacity in order to warrant the purchase of a franchise, who knows. But I think you know, we've got a very elegant model there of all the different pillars working together. People can invest in peer to peer, not just with source but in many other platforms as well. As long as they do good due diligence, which is we recommend for everybody. You can invest in peer to peer whether you choose to use your pension, whether you choose to use Eisah which would be on the investment pillar. Whether you choose to go into business doing it, you know, you can see the IPS there. And the fact that they're doing a lot of developments in joint venture arrangements with their franchisees and other developers. So, I think Steve's definitely showing, he's a smart entrepreneur, you know, with an enterprise, which is more wide ranging than just a small business. You know, for most small business owners, they tend to have a single track, you know, one form of income, one form of return, trading time for money in a slightly different way, often, kind of, almost in a blind alley, in some cases, seeing that the business is consuming them. And they don't really see a way out of that. But I think Stephen has done something very different, he's created a business that works rather than him doing the work, I didn't get the sense that Stephens doing all the work, creating the app selling the franchise, you know, training the franchisees putting the training, he's not doing that. He's creating a business. And that's what, that's what makes it very exciting for him.
Unknown Speaker 26:01
Yeah, so perfect example, really, of how Stephens brought leverage into play there. Kevin, obviously, when you have a business and you systemize, it, there's a very clear set of processes, then that lends itself to that franchise model, which obviously, Stephens done so well there, but also leveraging technology, which he's done with the app. So making those properties that were previously available on the website now much more accessible for people literally pull out their phone, and have a look at any new properties that have gone live. And, and what I like about it is contacting the sources direct. So you've got that line of communication with the people who actually know all the details. So kind of cutting out the middleman in some respect there. So yeah, really, really good use of leverage.
Unknown Speaker 26:43
Yes. And the other form of leverage you mentioned, as you touched on earlier on, versus the leverage of a team, you know, so if you're leveraging, you're generally leveraging in two ways one is more people, because every time you add a team member to a proper genuine enterprise type business, is they're adding value. So if they're adding value, the business is getting stronger. So you can you can feel that there. And also the leverage of technology, which in turn brings us on IP because thinking that before the the app, you know, there would have had so many downloads on the website. But if as a result of having the app and making it so easy to use, you getting I think he said 45,000 downloads a month, was it
Unknown Speaker 27:28
45,000 hits on the website. Yeah. And so yeah, that's that's what led to developing the app, and now sort of 50 new deals coming through on the app.
Unknown Speaker 27:37
Well, you know, either way, they're, you know, it's, he's bringing leverage into play. So forgive me for getting the numbers the wrong way around. But But either way, it's an impressive outcome, isn't it really, this is a business designed by intention, not by accident, and I think Stephens to be commended for putting it together.
Unknown Speaker 27:54
Yeah, and of course, the joint venture pillar, they're definitely in play as well. So investors and developers coming together and, and joint venturing with some of those franchisees as well who are finding deals, but they haven't got enough funds to do something with it. So that's where source can step in and create a win win for both sides.
Unknown Speaker 28:12
And, you know, I'm quite interested enough in this concept of the kind of franchising concept was to, to maybe see if we can find some other examples of that over the coming months, to show people that it's a great form of leverage when you can create the business in such a systemized way that people can see that by purchasing it, there'll be building their wealth, and at the same time, you're building your own very powerful.
Unknown Speaker 28:41
Yeah, well, I think we've got one guest coming up. I won't spoil the surprise in a couple of weeks time. Who certainly has built a very successful franchise business. But yeah, let's, let's have a look and actually bring in a few more people. I think that'd be really interesting to cover that from a few different perspectives. different sectors. Yeah.
Unknown Speaker 28:59
Yeah. So good. Good. Definitely. Good interview today, Chris. Thanks for doing that.
Unknown Speaker 29:03
Yeah. Okay. Well, I'll let you get back to your coffee and your meetings. Kevin. Thanks for taking time out to join us today. Thank you, as well for listening hope you enjoyed this episode. We'll be back Same time, same place next week.
Unknown Speaker 29:15
Indeed me Well, Chris, and until then my friend See ya.
Unknown Speaker 29:21
We hope you enjoy today's episode. Don't forget that we are constantly updating our resources inside the wealth builders membership site to help you create, build and protect your wealth. Head over to wealth builders.co.uk/membership right now for free access. That's wealth builders.co.uk/membership