What Is Supported Living?

Transcript

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.

Christian Rodwell  0:19  
Welcome to Episode 81 of wealth talk. My name is Christian Rodwell, the membership director of wealth builders and I'm joined today by our founder Mr. Kevin Whalen. Hi, Kevin. Hello, Chris. Good to be with you on this episode where I think we're zeroing in a little more on property. Again, we are so within property pillar today. And we've entered our roadmap, which of course we share with our members in our seven steps to wealth program. This is actually step six, which is all about strategy. And today we're talking about supported living. And we have Lisa Brown, as our guest today. And with the year has been Kevin, we talked about thinking like an entrepreneur, but certainly for property investors. It's been challenging this year, and people have had to adapt to different conditions. We've seen student lats obviously, very different this year to what they normally are people moving out of cities and lots of redundancies. So property investors, in some cases are now thinking about different strategies. And obviously, you know, what else is out there? and supported living is one that's certainly been on the radar for a little while now, Kevin?

Unknown Speaker  1:20  
Yes. And I think the other thing to mention is, in certain areas, you know, the service accommodation has had a bit of a knock as well, hasn't it? Because people were, I suppose traveling less, and particularly at the beginning of our travels. Depending on the area, though, that can pick up. So it shows that you need to be very flexible. And like all pillars, there are pros and cons. And this is no exception, but supported living interesting, though, because it's really a combination of two things, Chris, is Lisa will labelee explained, so I won't steal her thunder, but it's a common, it's a it's a combination of number one, solving a property problem. Remember, entrepreneurs find solutions to problems. And second is finding a care solution. Because many people in the world need some form of care. But in order to receive that care, they need to have accommodation as well. And this is a very elegant solution to how you can do that and create a very, very rewarding outcome for society for one for the individual. Because they, you know, they become more skilled, they become better entrepreneurs. And and, of course, as I'll debrief later, Chris, fundamentally, you know, a very, very robust business model to create long term recurring income with often minimal cost.

Christian Rodwell  2:53  
So before we head over to Lisa, last week, on the podcast, Kevin gave that rally call for everyone listening to snap a minute or two and leaves a review if they haven't done so already. And, and people have so I think it's only fair that we give a shout out to to William Roy in particular. So Williams been one of our founding members, actually, since we had, you know, launched the program last year. And William has left a review for us on on Google. And William says I met Kevin around two and a half years ago when he gave a talk about SAS. Given my personal circumstances, a SAS seemed like a great idea, however, had a lot going on in my life, and wasn't ready to commit. Despite this, Kevin took the time to explain the possibilities and give me all of the information I needed, without once pressuring me to take the next step. Once I was ready, he along with his team guided me in setting everything up and getting my sass up and running. Following on from that I decided to join the wealth builders community, and goes on to say the amount of knowledge and education and support, you know, has really given him the impetus to start his wealth building journey. So thank you so much, William, for that review.

Unknown Speaker  4:03  
Well, that's that's, that's nice to hear. It's nice to hear on a number of fronts, you know, one is there's always a point of contact, there's always a reason for someone to connect with us. So they could be transactional, it could be simple. It could be you know, he was a business coach, actually. So there's an overlap with businesses and I was talking to his community, about the directors pension or SAS and how that can be a fantastic benefit to both the business and the individual. And in fact, it was a long term legacy as well. And that resonated with him. But what was very pleasing with with will is not just that he embraced that particular aspect, but then kind of got to know us a bit more and wants to be part of this part, in fact now of our wealth builder community and very much looking forward to a continued dialogue with him and I can report great progress for well without breaching any confidences is doing outstandingly well. And I can say that wealth thermometer you know that measuring your recurring income each month is rising as we speak. So congratulations to will. And thank you very much for taking the time with a busy life well to do a review, and we really appreciate it.

Christian Rodwell  5:14  
Yeah, great member of the wealth plus community and and let's have a listen now to the conversation with Lisa and find out all about the supported living gateway. Lisa, welcome to off Talk.

Unknown Speaker  5:24  
Thank you. It's great to be here. Thanks for having me.

Christian Rodwell  5:27  
Elisa, looking forward to today's conversation, because we're going to be talking about supported living, and it's an area that's really gained a lot of interest within wealth builders community, I've seen many, many posts over the last six to 12 months from our members. So looking forward to finding out exactly what supportive living is. So perhaps why don't we kick off there for anyone who's listening and doesn't fully understand what that term covers?

Unknown Speaker  5:49  
Yeah, it's quite complicated. It is simply a living arrangement for a tenant who has support needs really. So, so encompasses a whole load of different needs. And they can be long enduring kind of lifetime needs, you know, like someone with learning disabilities, long term mental health conditions, autism, physical disabilities, well, there can be quite short term support needs where someone may need a level of support for maybe a few months, or a few years. And so they kind of fall into those categories. But yeah, it's simply just a living arrangement for someone who has a level of support that they require.

Christian Rodwell  6:26  
And did this perhaps have a different name was it referred to something differently in the past, because it feels like supported livings? You know, it's really come to the forefront recently.

Unknown Speaker  6:35  
It has, I think, in the past, we used to put people with particularly like long term conditions, like learning disabilities and mental health, they were kind of placed into institutional care. So people have been to, you know, you go right back to sort of Victorian and pre Victorian times, there were big institutions where people were placed and locked up and put away. And there was very much a move about bringing people out of those institutions and making them part of the community. And by doing that, bringing them into the community where their families are, where they should be as part of the community, they actually need somewhere to live. So they need a house or a home of their own that they can be part of. And with supported living, it's a little bit different in that their, their tenancy arrangement and their care arrangement are separate. So if you think about a residential care setting, your care and your tenancy are intertwined, aren't they, you can't move into a care home, but then say you want your care provided by somebody else. Whereas in a supported living setting, it gives you more flexibility if you've got long term support needs, because you can stay in your home. And your care can be provided by someone but actually, if if that care isn't meeting your needs anymore, after a few years, you could change that care provider and still stay in your own home.

Christian Rodwell  7:42  
Yeah. And we're gonna find out all about supported living gateway today, Lisa, but tell us how you got into this this area yourself.

Unknown Speaker  7:50  
So my background is in nursing. I worked in busy East London, any departments worked my way up to Senior Sister roles, and then did some community nursing where I can, we relocated down to Devon and I decided I would follow my other passion, which is property. I've always really enjoyed property, set up a company called pebble properties, and developed a couple of heritage flats and I really enjoyed that. And I thought this was me, I was going to do beautiful buildings because that's what I really loved. And then a chance encounter led me to discover supported living, I was asked to refurbish a pebbledash ugly bungalow for it's a great building, but it's to complete contrast to what I thought I would be doing for a young man with really complex and challenging learning disabilities. And I love the process of doing that. I love the process of kind of using my nurse brain I wasn't fazed about being in care team meetings, discussing his needs, and working out how to make this property best suit him. But I encountered loads of challenges in doing that first property I found I had lots of problems with getting it refinanced with getting the right mortgage on it. Every every point I kind of came across a hurdle. And there was nowhere for me to go with that I found I got really kind of stuck. If you're looking at other property strategies. There's lots of information out there isn't there's a Facebook group for HMOs. Or if you're doing serviced accommodation, there's a course or a book. And there was nothing about supported living that I could find. So I decided to set up a Facebook group just to try and connect with other people who were doing this. And the Facebook group has I kind of like I jokingly said, I expected someone to say Oh, Lisa, this this group over here if you're not found it yet, and our groups now at 2300 members of property, people who are really interested in supported living, so it kind of all yeah, it all came about that way really,

Christian Rodwell  9:40  
right. And obviously now you're a member of the supported living gateway. So tell us a bit bit more about what that is, Lisa?

Unknown Speaker  9:47  
Well, I suppose the evolution of that from my point of view was from that Facebook group, I was being approached but as I started talking more and more about my experiences of supported living and how great I thought it was as an investment strategy But also the challenges were that I was being approached by a lot of property, people saying, How do I get into this, I love the idea of it. It's great, you know, it's the ultimate Win win. It's good business sense. And I can help someone and create a home for someone who may struggle to find a home. But they were not the property, people were struggling to connect with the people who needed property. And on the other hand, I was being approached more and more by providers asking me to create properties for them. People who really heartbreaking stories, you know, people stuck in hospital who would have been discharged 12 months ago, but couldn't actually leave the hospital because there was no where appropriate for them to move to or people stuck in unsafe unsuitable accommodation who couldn't move who no one could find the right home for them. And the care providers were saying, I'm spending all day on the phone, I'm on Rightmove, I'm speaking to letting agents they their tenants, their landlords don't understand supported living, they don't want to let to us. And it felt like they needed to be a way to bring these two groups together. So I got together with a group of other people who all have been working in supported living in all different ways, and have a really diverse background. But we're all property investors and developers. So there's rich Liddell, who runs blue oak, and has been his background in the military. But he's been a longtime property investor and developer. There's Russ Crabtree whose background is in construction and project management and has done quite a few supportive living schemes. There's Mark Bowen and Leah bow in both their backgrounds are in the city, but their property investors and developers to kind of between the five of us, we've got this really diverse skill set. And we kind of got together and talked about supported living and what what we felt needed to happen was a way to make it easier for people to connect, to create more homes for vulnerable people, essentially, that's what we kind of say we're doing. So so the supportive living gateway kind of came out of those conversations and us all coming together.

Christian Rodwell  11:59  
Yeah, that's great. And and how big is this sector? How much demand is there? You know, will there be a point where that simply, you know, the the need will be filled?

Unknown Speaker  12:10  
Yeah, I don't see that at the moment, the conversations I'm having with the providers, is that because I'm principally liaising with the providers and bringing them on board, so the gateway is that there's a massive demand, I have a huge one list all around the country. And I think that demand is going to grow, because I think the move away from residential care settings is still happening, you know, in our heads of institutions, for people with long term mental health, learning disabilities, I've got long gone, you know, because we all think work houses have shot. But actually, there's still an awful lot of institutional settings and people being placed, maybe the other ends of the country away from their family and friends, because there's not a suitable accommodation for them in their home. So I feel like there is still a massive, massive demand for properties. And there's also, you know, like a bit, that's the long term conditions, but when you're talking about people who've been street homeless, people who are fleeing domestic abuse, teenagers leaving the care system, you know, there's a whole range of different needs, that black people need accommodation with some support.

Christian Rodwell  13:13  
So for anyone listening now, Lisa, who perhaps has just been doing standard, you know, by to let you know, for number of years, and perhaps they're they're interested in, in making the transition over? What are some of the things they need to consider? You know, how different is it to, to just letting to, to, you know, a standard as tea.

Unknown Speaker  13:34  
Um, I think the things to think about the challenges are finance, you know, so you need to if you've have a standard buy to let product on your, you know, mortgage products on your property, that might not be compliant with supported living. So you know, that you do need to discuss it with your lender, and have a conversation with them about it. I think that's one of the challenges and makes it a little bit different and finding the connections finding who needs your property, you might have the perfect property, but how do you actually connect with those providers, and that's what we're hoping to do through the gateway is allow make it easier for people. It can seem quite complicated, and quite daunting, I think, to start with to try and understand all the layers and complexity in supported living. And so again, through the gateway, what we've tried to do is we've got our members can access a training package, which is just on on the portal. And then we have a more in depth training for people who really want to have a deep dive and really sort of understand supported living a bit more because we found that people really did have that desire to to learn more about it.

Christian Rodwell  14:36  
And what kind of adaptations might need to happen in terms of the properties to be suitable.

Unknown Speaker  14:43  
It really varies on the tenant group. So if you're looking at tenants who have low levels, who have support needs, but maybe not physical support needs, so if you're thinking about teenagers leaving the care system or people who've been street homeless, you may not need to do absolutely No adaptations, your property whatsoever, you know, your standard HMO, your standard shared house, your standard one bed flat may actually be fine without any adaptation. Whereas the other end of the spectrum is people who have very complex support needs who might need like the young man that I did the first property for might need have completely adapted property. So that there's a whole range. And I think people get a bit daunted thinking they would have to do really high level of adaptation. But I would say, the majority of property that's required doesn't need to be adapted, or maybe needs small tweaks, like an extra fire door, or an extra smoke alarm, or an extra different kind of lock on a door, you know, fairly simple things. When you look at that, in the context of the benefits of supported living, where you may have at least taken on your property for anything from two to 10 to 20 years. And in that time, you're not responsible for any of the voids. And if the damage is any of those sort of landlord headaches, you know, and often the lease will cover things like your gas boiler, servicing your fire alarm servicing, so actually, it becomes a really, really good passive long term strategy supported living. Once it's set up, it does take a little bit longer to get set up. But once the scheme set up and established, actually, you can really step back from it most of the time and not worry about your property. Hmm. And and does the fact that you get those long, guaranteed rents mean that the rental is often lower, or how does that compare? Yeah, not necessarily. So I'd say the rent kind of broadly falls into three categories, sometimes you're offered FHA rates. And I would say, don't automatically discount that discount those because actually, if you look at those in that bigger picture of actually the no voids, the no letting agents fees, the management costs, actually, that can pretty soon add up to being similar to market rent, when you've taken off your other costs, then majority of the providers we're talking to, are offering market rent for their properties, really. So they're, they're generally looking at offering you about what you would get on the open market for a property. And then obviously, like I said, you've not got your letting agent fees, you've not got your void. So pretty quickly, that adds up to being quite an attractive offering. And then sometimes you do get above market rent for properties as well. But I think the majority of the above market rent rates will have to reflect quite a high level of adaptation to the property, they have to be kind of justified why you require that above market rent, you know, it might be that that tenant can't just move out of your property into another two bed property anywhere else it needs that level of adaptation to to meet their needs. And with 2020, being the year that it's been Lisa, how have you seen things change or evolve this year with the demand? I think people have been really interested in supported living. I think from a from a provider point of view, the demand has been the same. I think the only stumbling block has been that some of the commissioners in the local authorities who had maybe commissioned some of the biggest schemes, looking a little bit more inward and a bit more COVID focused rather than thinking about actually, what do we need as a long term strategy for? You know, do we need a block of 10 flats here? So I think that has affected things a little bit. But I think on the other side, there's the demand has continued the same, particularly for the smaller schemes. And that's only been a few areas, we found that I think a lot of property investors have been looking at this far more than they maybe would have done previously. Because suddenly you're student less or a little bit more uncertain, aren't they your serviced, accommodation, perhaps has got more voids, obviously, depending where it is in the country. And you're, you know, your shiny professionals are maybe not paying the rent in the way that they would have been because their jobs aren't so secure. So I think it's made supported living and other social housing a bit more attractive to people really, because I think they're thinking Actually, there is some, you know, they can see that actually, financially, it's a maybe a bit more secure as well.

Christian Rodwell  18:53  
Yeah. So again, for for our listeners right now, Lisa, who would you say, you know, really should be thinking about this, who's the kind of perfect candidate.

Unknown Speaker  19:01  
So in my head, I think every property investor should be looking at supported living, I think it's a really good way to diversify your property portfolio. And I think it's something that that's through the gateway through the supported living gateway, we're trying to make it accessible to everybody. So in the past, you had to have a really high level of specialist knowledge to get into this space. You had to have very good connections, or you had to be one of the big players. There's lots of big developers who specialize in supported living, and they're throwing a lot of money at it, lots of pension schemes, lots of big investment funds. See it is very secure income. So our argument at the gateway is if it's good enough for those big players who are throwing millions of pounds at it, it's a good secure investment for everyone to be thinking about. And obviously it also fits in with SAS pensions as well. So supported living properties can with a supported living lease on it is a way to hold a residential property in your SAS. So that makes it very accessible for a lot of people. with SAS pensions today,

Christian Rodwell  20:01  
and with care homes on the kind of bigger scale of things, they would obviously fall under this as well.

Unknown Speaker  20:06  
Not really because care homes if you think about that sort of tenancy in the care being separate and supported living and being a more residential property care homes tend to be they are what everyone perceives supported living to be back care homes tend to be residential care settings. So they're slightly different way of investing their different property models, saying that quite a lot of the resident old care homes are coming to us to be converted into flats. And there's a lot of demand for small blocks of flats, so, so they do kind of come but not in that traditional image of,

Christian Rodwell  20:41  
okay, so tell us a bit more about these Porter living gateway. And if someone listening wants to kind of connect with you, Lisa and find out more, how does that work.

Unknown Speaker  20:51  
So the best place to find out more is to go to WWW dot supported living gateway.com. That's all one word. And you can go on there as a property investor, and you can just register and access some of the resources that are there and find out a bit more about what we do. The Gateway basically is a way as a property investor, for you to upload your property and get it seen by hundreds of care providers all around the country who are looking for properties. So it's the easiest way for you to connect with different providers who are looking for property. So you have that you can upload as many properties as you own or control. So if you have a lease option, or a rent to rent agreement on the properties, you also through that can access some of our, like I said, some of the training, that's part of it. And again, as part of our kind of vision was to make it easier for people to get involved in supported living. So we've got access to specialist affiliates, like mortgage brokers like insurance brokers, architects, people who really understand supported living. And as part of that membership, you get discounts on their services. So it kind of is just a way to bring everything to do with supported living into one space. So it's kind of like a one stop shop. If you're interested in supported living, it's a great place to start.

Christian Rodwell  22:08  
Yeah, no great community, great team that you have there, Lisa. So thank you so much for sharing today. It's been really interesting and great speaking movie.

Unknown Speaker  22:16  
Great. Thank you, Christian.

Christian Rodwell  22:19  
Lisa, obviously taught by Kevin about her background, which was when within seeing and care. And it led to her looking around and obviously realizing that there wasn't anyone else within the kind of residential sector, providing this supportive living. And that's often the way things come its net, you, you identify that gap in the market, and you find a niche, and then you really hone in on that? Well, what's

Unknown Speaker  22:44  
interesting to me about Lisa's description of what you've done, and I ask people, as they listen to the stories of our guests, is not just to listen to what they say. But to think about the wider wealth building lessons, and you make a good one there, Chris, which is everybody starts with a mountain of value they've created already. But sometimes that's overlooked or undervalued. And we know this is true wealth building, right? And she had some skill, but then she thought, well, whoo. And she undervalued it right at the beginning, because she looked around and thought, well, there's nobody else doing it. I might as well do it, you know, there's no looking around, there's nobody, so she created her own group, and so on. And now she's gone on and a well respected expert in this field. And you would say, then, you know, she's discovered a value, she's she's really focused on the outcome, she's found a solution to a problem, both from a, the the kind of local authority point of view, the tenant point of view, and also the property expert point of view, because she's serving the wider property community as well, helping people find a bridge between the two areas, you know, the, the accommodation piece in the care pieces, she very ably describes what serves to not have accommodation, what supportive living is. And the other thing then is she's gone on to do is using that IP is she's formed joint venture, right? So she formed a joint venture with a fellow protagonists, and she mentioned their names in in that all with different wealth dynamics, which is very useful. And then they've gone on to create a business, where the very business is the teaching, as well as running the business of providing this supported living itself. So I think a very elegant solution, finding multiple layers of wealth building outcome, but coming from a place fundamentally of integrity and not from self serving, but rather from serving others. And I think this probably you're really, really well describes how wealth builders can elegantly find solutions to multiple problems all at the same time question. She's just done a great job.

Christian Rodwell  24:55  
Hmm. And also, all of that sat upon the same three pages. There's that we talk about all the time education support connection. And, you know, that's exactly what supported living gateway is doing is providing education from their platform. They're providing the support, and the connections as well. So but very within that single niche, which you know, is obviously always fundamental, for any business quite fundamental.

Unknown Speaker  25:19  
We, if you take a lesson from the business pillar, Chris, the kind of three things that I say, always worthwhile thinking about if you're in business, remember, being in business doesn't necessarily mean you've got a business enterprise, because you look at those three things. So the three things that I suggest people with like a three pin, plug, you know, you need to power these three, if you're going to have a robust business, number one is a niche, and her ability to find this niche and make this niche bigger, stronger, better and become a leading light in it, that's a that's a good result. Second is to create recurring income, well, we'll come on to the two forms of recurring income that this is developed in second. And the third is really to have a business that can work without you. And again, that's done. So let's take the two sources of recurring income here, which are fundamental to wealth building, right. So the income that's coming from her activities as a owner of property, which provides the supported living outcome is very similar to the values in commercial property. So in commercial property, which obviously is having its own trials and tribs right now, but but let's say we take the simplistic side of a commercial property, if you're an owner of an office, and you rent that office on a long term lease to a tenant, that's called a covenant. Now in that covenant, the strength of that covenant depends on who the tenant is, or who's paying the bill. Right. So good quality tenant. So who are the quality tenants who are paying the bills here? Well, often, they're paid by local authorities and organizations, you know, who've got public funding. And then secondly, you've got the whole kind of principle of that somebody else, ie that authority, that government body, let's say, or another body, is paying for upkeep, they're paying for maintenance, you know, all of those things that normally would be associated at a private land are we paying for themselves, then so with the reduction in the cost, and because they take long term leases, which means there's no voids, you don't then have to build a void rate, you know, the number of rooms or the number of days you're not occupied. You know, like any property business, there's a void rate. So if you can minimize the void rate, maximize the support that's being provided by the someone who's taking over the property for you, essentially, then you minimize your cost. And then you're getting a market rent or in some cases, if you provide very niche solution, you know, where you need extra special care and attention, then you can get above market rent. So it was a combination of even at market rent, with less cost and better longevity. Wow. I mean, that's a great outcome day thing. And the other one, of course, is she's created a business by selling essentially a membership program, to people who do property who want to learn this, right. So in your ESC, your education, support and connection, you know, they're providing a service to others. So that's a source of income. And I guess some of the other benefits were that you can actually hold supported living properties within your SaaS, Kevin. So how does that work? As far as pensions is concerned, we know pensions very unique the word SAS very unique a UK thing. But the ownership of property is a complicated issue when you're holding property inside a pension. But because of the commercial nature of this, it's entirely possible that you can use your pension fund to buy or facilitate the ownership of supportive living properties. So it just means you've got more money. And everybody is I keep saying in property, you know, almost always everybody anyway, run out of money, because before they run out of ambition, and bringing your pension into play, just allows you to bring more money, and you make your old, frozen or forgotten pensions, which often are just a part of your past and you turn them into something that builds you up for the future. And I think that's a very elegant solution. So in a very short podcast, Chris, there's an incredible number of lessons here. If you really dive deep and look into them, and I think you did a great job of pulling all of those out and the interview so well done, you may

Christian Rodwell  29:56  
thank you and just want to pick up on some The other team I've seen the least talked about Ross Crabtree market leader, Boeing, and rich little, and I believe rich is speaking at the upcoming SAS property conference. Kevin?

Unknown Speaker  30:09  
Yes, he is ex military, very solid guy and developer in his own right. So what the SAS Alliance conference, it's an online conference, of course, on the 12th of November, it's all day nine to five, obviously, you know, the recordings available. Nobody's expected to be set at a laptop for a whole day. However, it's a it's a conference, which links the concept of the SAS pension, which we speak a lot of in wealth builders, because it's probably the sharpest tool in the toolbox to help people build their wealth because it brings money, you know, into play that they didn't think was in play. And so the SAS Alliance conference on 12th of November, links, the SAS issue and properties is very unique about properties, not about any other assets. It's not about the stock market isn't about gold that we did last week. It's just, you know, pensions and property, and how the two can make better bedfellows than ordinarily most people would understand to be the case. So that's free to attend. So you know, no issue we'd love people to get that education Chris. So SAS alliance.org, with SAS double ss satelites.org. On the 12th of November, we go to the website register, you'll be able to get in for free,

Christian Rodwell  31:25  
great stuff. And as always, I shall pop a link in today's show notes. And I'll pop a link there to the supported living gateway Facebook group, which is probably nice to just go and connect and get in touch with Lisa, if you've enjoyed today's episode.

Unknown Speaker  31:40  
And of course, as as again, if you've enjoyed today's episode, tell somebody else or tell us we're going to post a review. I'm not just going to have that rally call to action. Now Chris once in a blue moon. I'm going to mention it every time we have a podcast because you know, we do need that reassurance from people say hey, you're doing a good job guys. Keep it up.

Christian Rodwell  32:00  
Ya know, we really appreciate we love seeing the new reviews coming in every week. And yeah, one simple place. If If you want to head to wealth builders.co.uk forward slash reviews, then you can take your pick of trustpilot, Google or Apple iTunes. So we look forward to reading some more of those out next week. And until then, Kevin.

Unknown Speaker  32:20  
Yeah. Until then, Chris, I'll see you.

Unknown Speaker  32:25  
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 slash membership right now for free access. That's wealth builders.co.uk slash membership