Welcome to Day 5 of our 12 Days of Christmas - Magic Moments! 🎄🎅🏼

In this episode, Curtis and I explore the complexities of leadership and personal development through the lens of behavioral traits. The discussion centers around understanding innate characteristics such as energy levels, dominance, discipline, and competition, and how these traits can influence a leader's ability to succeed.

With insights drawn from neuroplasticity and behavioral psychology, the conversation challenges the notion of needing to change fundamental traits to achieve success.

We delve into the idea that while some traits are less malleable, individuals can focus on refining interpersonal skills, conflict resolution, and intellectual engagement to overcome personal and professional hurdles. Curtis shares experiences and examples of successful individuals who have leveraged a variety of traits to excel, regardless of whether they possess high energy or are risk-averse.

Furthermore, we shed light on how learned behaviors and life experiences can alter one's competitive drive and leadership approach, illustrating the multifaceted nature of personal growth and achievement.

If you enjoyed this highlight of Episode #187, click here for the full episode.

Welcome to Day 4 of your 12 Days of Christmas! We interrupt your Magic Moments to bring you a special Christmas Day episode! 🙌🏻🎄🎅🏼

In this exciting Christmas Day Special, I share personal and business insights from the turbulent year of 2025. I dive into the highs and lows that shaped my journey, offering a rare glimpse into the lessons that drove my personal and business growth over the past year.

I emphasize the importance of building a finance-first, highly leveraged, and lucrative business model. I reiterate the importance to any entrepreneur, to actively manage business complexities, legal challenges, and team dynamics, affirming that resilience and adaptability are critical to achieving long-term success.

Among the key lessons shared, I highlight the transformative power of aligning business growth with client value and how overcoming hardships can foster profound personal and professional growth.

Merry Christmas! 🎄

👉🏻 DOWNLOAD A COPY OF OUR BOOK SMALL BUSINESS BIG PROFIT FOR FREE: https://ultimate-fd.webflow.io/small-business-big-profit

👉🏻 HOW FINANCIALLY FIT IS YOUR BUSINESS? Take the Ultimate FD Acid test to find out and have a bespoke report in less than 5 minutes!!! Take the test here: https://josh-dtlqxm7w.scoreapp.com/

Welcome to Day 3 of our 12 Days of Christmas - Magic Moments! 🎄🎅🏼

In this episode, Tej and I dissect the intricacies of company valuation. This episode delves into the essential concepts of equity value and enterprise value, offering listeners a nuanced understanding of these critical financial metrics. This episode provides keen insights into the factors influencing these values, making it an invaluable resource for business owners considering a sale or investment.

We discuss the differences and significance of equity value and enterprise value in business. Enterprise value is discussed as the comprehensive worth of a business, judged by its profit engine. On the other side, equity value gives a clearer picture of ownership by detailing what the shares are worth after accounting for financial liabilities and assets like cash, debts, and more. This financial perspective is essential for understanding business valuation and for making informed decisions when buying or selling a business.

The conversation also covers practical aspects of determining a company's sale value, starting from the enterprise value calculation, based on profit and industry-standard multipliers, and moving to adjustments based on the company's financial position. Listeners will get strategic guidance on how to effectively assess the valuation considerations, ensuring they are equipped for insightful decision-making in their business endeavors.

If you enjoyed this highlight of Episode #188, click here for the full episode.

Welcome to Day 2 of our 12 Days of Christmas - Magic Moments! 🎄🎅🏼

In this special holiday edition of the Ultimate FD podcast, Reza and I reflect on the significant moments of the past year, focusing on pivotal themes such as the true purpose of starting a business and the challenges it presents. He emphasizes the importance of balancing work and family, urging listeners to reevaluate how they use their time and the reasons they began their entrepreneurial journeys.

The episode embarks on enlightening discussions inspired by real-life scenarios faced by many business owners.

Throughout the episode, Reza introduces the concept of value-based pricing as a game-changer for professional service firms. By sharing his personal experience transitioning from traditional time-based billing to a model that prioritizes outcomes and client satisfaction, Reza illustrates how businesses can significantly increase profitability.

With insights into client behavior and practical advice on implementing effective pricing strategies, this installment of the podcast is a must-listen for entrepreneurs seeking to optimize their business models and achieve sustainable success.

If you enjoyed this highlight of Episode #190, click here for the full episode.

🎄WELCOME TO 12 DAYS OF CHRISTMAS IN THE FORM OF MAGIC MOMENTS!🎄🎅🏼

Over the next 12 days, we're sharing with you some of our best moments from the Ultimate FD Podcast. We're doing one of these episodes every single day into the brand new year, so make the most of it 🙌🏻

Tune in, have your short shop 10 minutes of inspiration whilst you're eating your Christmas pies and enjoying the festive break! 🎅🏼

In this episode, I catch up with Sean, a successful entrepreneur who shares his wisdom on financial growth and the pitfalls of luxury spending. This episode takes a deep dive into the lessons learned from Sean's financial journey, from owning a £10 million property portfolio to resisting the temptations of lifestyle inflation.

In this installment, Sean discusses the importance of financial freedom and stability over fleeting material satisfaction. With personal anecdotes, such as his experience with owning a Range Rover, he highlights the costly mistakes one can make and how they can derail long-term financial objectives.

We explore how genuine happiness stems from stability and community, rather than status symbols.

This episode provides valuable insights for anyone looking to maintain financial discipline and prioritize long-term goals over short-term gratification.

If you enjoyed this highlight of Episode #192, click here for the full episode.

Join me as we kick off a festive series with the Ultimate FD Podcast's 12 Days of Christmas!

In this exciting episode, I reflect on my Top 10 Lessons from 2025, showcasing some impressive achievements, such as recruiting 16 team members and surpassing sales targets. With a remarkable insight into 50 businesses, I promise listeners a treasure trove of valuable learnings.

This episode sets the stage for a series of daily episodes as part of our 12 Days of Christmas mini - series, featuring my most impactful moments and wisdom from the past year.

I delve into the nitty-gritty of running a business in 2025. I emphasize the importance of a finance-first approach and how transforming setbacks into accelerated growth can propel a business forward.

As I revisit the fundamentals of marketing and share personal anecdotes about maintaining work-life balance, listeners can look forward to a rich tapestry of themes designed to inspire and empower.

👉🏻 DOWNLOAD A COPY OF OUR BOOK SMALL BUSINESS BIG PROFIT FOR FREE: https://ultimate-fd.webflow.io/small-business-big-profit

👉🏻 HOW FINANCIALLY FIT IS YOUR BUSINESS? Take the Ultimate FD Acid test to find out and have a bespoke report in less than 5 minutes!!! Take the test here: https://josh-dtlqxm7w.scoreapp.com/

Welcome back to another episode of Magic Moments ✨

In this episode, I sit down with Tej Gill to unpack some seriously powerful tax and property strategies for business owners.

We dive into how using an OPCO-PROPCO structure can transform your inheritance tax planning and help you protect generational wealth.

Tej breaks down how tools like family investment companies and trusts can legally remove property value from your estate - massively reducing tax exposure.

We also get into smart VAT planning, showing how businesses can recover expenses they'd usually lose.

To end things off, we explore how using a SSAS pension to buy your business property can unlock even more tax efficiencies. If you're serious about building wealth the smart way, this episode is packed with gold.

Did you enjoy this Magic Moment? Click here for the full episode.

In this insightful episode of the Ultimate FD Podcast, Damien Fogg joins me to delve into expert strategies and mindsets surrounding financial wealth and investment. Drawing from his extensive background in managing multi-billion-pound property trades and dealing with a vast array of asset classes, Damien shares thought-provoking Millionaire Money Matters, offering listeners practical advice on how to optimize their financial decisions.

Emphasizing the psychological aspects of wealth, he reveals his strategies for achieving a stress-free financial state and the subtle intricacies of being financially prudent - like the surprising benefits of renting versus buying a home and the implications of retirement planning with pensions.

Damien's distinctive approaches challenge traditional financial wisdom, focusing on strategic leverage and time valuation. He articulates the exponential value of time, advocating for simplicity and focus when managing investments. Leveraging his own experience of early retirement and financial independence, we discuss the merits of property investment, diverse asset exposure, and the nuanced decisions that can safeguard and grow wealth.

We also untangle the complexities behind tax strategies and explore how the wealthy use alternative structuring methods to minimize tax liabilities legally.

This episode is a trove of practical financial guidance ideal for anyone aiming to enrich their economic strategies and achieve peace of mind with their assets.

👉🏻 DOWNLOAD A COPY OF OUR BOOK SMALL BUSINESS BIG PROFIT FOR FREE: https://ultimate-fd.webflow.io/small-business-big-profit

👉🏻 HOW FINANCIALLY FIT IS YOUR BUSINESS? Take the Ultimate FD Acid test to find out and have a bespoke report in less than 5 minutes!!! Take the test here: https://josh-dtlqxm7w.scoreapp.com/

Welcome back to another episode of Magic Moments ✨

In this episode, I speak to property expert Phil about building wealth through service accommodation.

Phil reveals practical strategies for boosting occupancy, from weekend rentals to peak-season optimisation, while also sharing lessons learned from tricky guests and early missteps.

Packed with real-world tips on asset protection and smarter portfolio management, this episode is a must-listen for property entrepreneurs.

Did you enjoy this Magic Moment? Click here for the full episode.

In this transformative episode of the Ultimate FD Podcast, I unveil a powerful strategy that skyrocketed my business's summer sales target by 180% with only half the clientele compared to the previous year.

I stress the importance of aligning the right product with the right client at the right price, a foundational tactic that promises to enhance profitability while minimizing workload. This episode is packed with actionable insights for entrepreneurs looking to refine their business models and achieve greater financial success.

Focusing on key themes such as profitability, client relations, and product alignment, I dive into the three critical aspects of business success: the right product, the right client, and the right pricing strategy. I emphasize the need for a singular, high-value product offering, a client base that values and prioritizes your services, and a pricing strategy that offers significant value compared to its cost.

This episode is a must-listen for entrepreneurs seeking to maximize the lifetime value of their clients and achieve sustainable growth.

👉🏻 DOWNLOAD A COPY OF OUR BOOK SMALL BUSINESS BIG PROFIT FOR FREE: https://ultimate-fd.webflow.io/small-business-big-profit

👉🏻 HOW FINANCIALLY FIT IS YOUR BUSINESS? Take the Ultimate FD Acid test to find out and have a bespoke report in less than 5 minutes!!! Take the test here: https://josh-dtlqxm7w.scoreapp.com/