Is HMRC a silent 40% shareholder in your business, your property portfolio, and your legacy? Is it time to buy them out?

Welcome to The 40% Club, hosted by Riz Malik, an Independent Financial Adviser and a leading voice in UK finance. Riz is a regular contributor to national media and has appeared numerous times on Sky News as an expert to deconstruct Budgets, tax policy, and the shifting mortgage landscape.

Most successful professionals are "Asset Rich but Legacy Poor", meaning their families could face a six-figure tax bill before they even touch their inheritance. This podcast is the strategic briefing for those who have spent a lifetime building wealth and now want to protect it.

Stop leaving your legacy to chance. Join the club, face the numbers, and take back control.

New episodes every Tuesday. Strategy-led wealth planning for the UK’s time-poor professionals.

Important Information:

For Information Only: The content of this podcast is provided for general information and educational purposes only. It is not intended to amount to financial, legal, or tax advice on which you should rely.

• No Recommendation: This podcast does not constitute a personal recommendation or inducement to invest. Your individual circumstances are unique; always seek professional advice before making any financial decisions.
• Taxation: Inheritance Tax (IHT) and other tax treatments are based on current UK legislation and HMRC practice, both of which are subject to change. The effectiveness of any tax planning will depend on your individual circumstances.
• Capital at Risk: Where investment-related topics are discussed, remember that the value of investments can go down as well as up, and you may get back less than you put in.
• Regulatory Status: Riz Malik of R3 Wealth is an Appointed Representative of New Leaf Distribution Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Number 622213).
• Media Disclaimer: Riz Malik frequently appears on national media, including Sky News, to provide expert commentary. These appearances are for informational purposes and do not imply endorsement of any specific strategy or product by the broadcaster.
• Estate Planning: Please note that the FCA does not regulate certain aspects of Estate Planning, Will Writing, or Tax Advice.