In this episode of Profits & Parenting, Jordan sits down with Keith Boyes, chartered financial planner and founder of Spentwell. Keith's path into financial planning started with a sports management degree and a start date that landed right in the middle of the 2008 to 2009 financial crisis.

Keith unpacks why cash feels safe but quietly costs money over time thanks to inflation, and why the industry often makes money feel more intimidating than it needs to be. He and Jordan get into what he learned advising expats in Hong Kong, why FCA regulation genuinely protects clients, and why leading with education builds trust faster than leading with products.

Key Takeaways:
- Holding cash long term feels safe but inflation quietly erodes its value
- A simple plan you actually follow beats a complicated one you don't
- Diversification is about more than "eggs in one basket," it shapes how a portfolio is built
- Pensions and ISAs each play a different role as tax wrappers
- Many people struggle to spend in retirement after decades spent saving
- AI is already cutting admin for financial advisers, freeing them to focus on client behaviour and real-life decisions

Enjoying the show? Follow Profits & Parenting and leave us a review, it helps more ambitious parents find us.

📸 Instagram: https://www.instagram.com/profitsandparenting
🎵 TikTok: https://www.tiktok.com/@profitsandparenting

Guest Links:
💷 Spentwell: www.spentwell.co.uk

📸 Instagram: www.instagram.com/spentwell1

Host Links:
📸 Instagram: https://www.instagram.com/thejordanrobb
💼 LinkedIn: https://www.linkedin.com/in/jordanrobb15
📧 Email: jordan@jordanrobb.com
🌐 Website: https://www.jordanrobb.com

Watch the Show:
▶️ YouTube: https://www.youtube.com/@ProfitsandParenting

About the Host and Guest:
Jordan Robb is an Edinburgh-based property investor, developer and business strategist, and founder of Multiple property businesses. Beyond the deals, Jordan is building a personal brand and advisory practice around property, business strategy, and balancing ambition with family life.

Profits & Parenting is where he brings that mission to life, hosting conversations with business owners who are scaling wealth without losing time with the people who matter most.

Keith Boyes is a chartered financial planner and founder of Spentwell, based in Edinburgh.

In this episode of Profits & Parenting, Jordan sits down with Laurie Duncan, co-founder and director of Real Property Scotland, a business that trades around 30 single property units a month and has built a portfolio of over 350 units. Laurie's journey started with his first buy-to-let after the 2009 crash, and even had Spider-Man filming outside his office along the way.

Laurie unpacks how off-market deals, investor support, and a ruthless focus on buying well took him from one property to running a group. He and Jordan get into the real pivots that forced better decisions, from the Section 24 tax changes to moving property out of his own name as he scaled, and why deal trading and sourcing let him grow without relying on endless personal cash.

Key Takeaways:
- Off-market deals and disciplined buying matter more than volume alone
- Section 24 tax changes forced a rethink on how property should be held as you scale
- Deal trading and sourcing can fund growth without endless personal cash
- Professionalising a brand and building a team culture that lasts is what lets you move from doing everything yourself to working on the business
- AI tools like Claude can turn messy deal details into clean, on-brand deal presentations fast
- Commercial property brings different funding and negotiation dynamics than residential buy-to-let

Enjoying the show? Follow Profits & Parenting and leave us a review, it helps more ambitious parents find us.

📸 Instagram: https://www.instagram.com/profitsandparenting
🎵 TikTok: https://www.tiktok.com/@profitsandparenting

Guest Links:
📸 Instagram: www.instagram.com/realpropertyscotland

🌐 Website: realpropertyscotland.com

Host Links:
📸 Instagram: https://www.instagram.com/thejordanrobb
💼 LinkedIn: https://www.linkedin.com/in/jordanrobb15
📧 Email: jordan@jordanrobb.com
🌐 Website: https://www.jordanrobb.com

Watch the Show:
▶️ YouTube: https://www.youtube.com/@ProfitsandParenting

About the Host and Guest:
Jordan Robb is an Edinburgh-based property investor, developer and business strategist, and founder of Multiple property businesses. Beyond the deals, Jordan is building a personal brand and advisory practice around property, business strategy, and balancing ambition with family life.

Profits & Parenting is where he brings that mission to life, hosting conversations with business owners who are scaling wealth without losing time with the people who matter most.

Laurie Duncan is co-founder and director of Real Property Scotland, a property group built on off-market deals and investor support with a 350+ unit portfolio.

In this episode of Profits & Parenting, Jordan sits down with Mark Innes, founder of The Tartan Timber Co and Tartan Talks, a business networking community based in East Lothian. Mark's path took him from joinery through the 2007 crash into an unexpected stint in the Royal Navy, then Network Rail, before he found his way into business ownership.

Mark opens up about property deals that collapsed late in the process, why he treated getting discharged from Navy training as a turning point rather than a setback, and how he rebuilt his income fast by launching a timber merchant from affordable space. He and Jordan get into disruption as a strategy, running an ultramarathon across the Sahara, and the boundaries he now sets to protect family time while scaling the business.

Key Takeaways:
- Leaving joinery during the 2007 crash and an unexpected turn into the Royal Navy shaped how Mark handles setbacks
- Property deals falling apart late in the process pushed him toward building his own business instead
- Winning customers through responsiveness, service and social media attention built the timber business fast
- Tartan Talks was created to bring trades together and build deeper business relationships
- Self-sufficiency lessons from the Marathon des Sables carry over into how he runs the business
- Batching work and choosing when to be reachable protects family time as the business scales
- Systemising operations and hiring reduces dependence on him personally, with a "forever home" as the long-term goal
- Christmas tree sales smooth seasonal cashflow, with year-on-year data shaping the approach

Enjoying the show? Follow Profits & Parenting and leave us a review, it helps more ambitious parents find us.

📸 Instagram: https://www.instagram.com/profitsandparenting
🎵 TikTok: https://www.tiktok.com/@profitsandparenting

Guest Links:
🤝 Tartan Talks: https://tartantalks.co.uk/
📸 Tartan Talks Instagram: https://www.instagram.com/tartantalks/

Host Links:
📸 Instagram: https://www.instagram.com/thejordanrobb
💼 LinkedIn: https://www.linkedin.com/in/jordanrobb15
📧 Email: jordan@jordanrobb.com
🌐 Website: https://www.jordanrobb.com

Watch the Show:
▶️ YouTube: https://www.youtube.com/@ProfitsandParenting

About the Host and Guest:
Jordan Robb is an Edinburgh-based property investor, developer and business strategist, and founder of Multiple property businesses. Beyond the deals, Jordan is building a personal brand and advisory practice around property, business strategy, and balancing ambition with family life.

Profits & Parenting is where he brings that mission to life, hosting conversations with business owners who are scaling wealth without losing time with the people who matter most.

Mark Innes is founder of The Tartan Timber Co and Tartan Talks, an East Lothian business networking community for trades and business owners.