If you’ve ever felt trapped in a cycle of working hard but never quite getting ahead, you are certainly not alone. Most of us were taught from an early age that the way to financial independence is to get a good job – or maybe you have started your own business, so you work for yourself – then work tirelessly for a number of years, saving a portion of income in the hope that, by the time you are able to retire, there’s enough in the pot to live comfortably.
But what if that conventional wisdom has a fundamental flaw?
Times have changed. Today, you can't save your way to true financial freedom. No matter how much we put away in pensions and investments, for most of us, it will not be enough to be financially independent, able to retire early, or live more than ‘comfortably’ in retirement.
If you're trading time for money, as most people are, it’s likely that you're already caught in a trap that limits both your wealth and your freedom. At WealthBuilders, we know that financial independence isn't achieved through working more hours – it’s about building assets that generate income for you, even while you sleep.
It’s time to break free from the time-for-money trap.
What are financial security and financial independence?
Financial security and financial independence may mean slightly different things to different people – or at least, the sums of money involved will differ.
Financial security is when your assets generate enough recurring income to cover all essential expenses, giving you peace of mind if you had to stop working.
Financial independence goes beyond that – it’s when your assets provide enough income to support the lifestyle you choose, pretty much free from financial constraints.
For you, security might mean covering the mortgage and bills, while independence could be about travel, early retirement, or being able to support your loved ones. The key to identifying your own goals begins with understanding what financial freedom looks like for you and then building wealth in a way that aligns with your values, goals and aspirations.
How close are you at the moment to achieving financial independence?
Don’t worry if it seems a long way off – or impossibly far away. It doesn’t have to be.
Most of us have never been shown a clear path to build wealth and so we simply rely on the income from our jobs or a business. At WealthBuilders, you can learn the steps to move up to the next level!
Shift from simply saving to creating constant cash flow
Real financial independence comes from owning assets that generate recurring income without you having to trade your time for that money. It's not about the size of your pension pot or the value of your home, it's about creating a reliable cash flow that continues to flow, whether you're working or not.
Think about it: the average UK pension pot at retirement is just over £100,000, generating around £4,000-£5,000 annual income (Source: The Times Money Mentor – Feb 2025) on top of a state pension – a far cry from financial independence. Is that really going to be enough to maintain your lifestyle (or the life you would like to have) and protect you against economic uncertainty?
Around 95% of people do NOT reach financial independence at any point in their lives – they rely on their income while they work, and hope they are able to save enough so they can rely on their pension once they stop working.
Would you rather be in the 5% of people who DO reach financial independence?
Here’s how.
The Seven Pillars of Wealth
I have identified seven key pillars that can generate you predictable, recurring income and – here’s the thing – there are only seven. That’s why the temple in our logo has seven pillars. If you can think of another, I’ll add it to the list (and buy you a case of champagne)!
- Home Capacity
Unlock income from your home through strategies like renting out unused space or leveraging property value.
- Pensions
Use pension funds strategically to generate income instead of just saving for a future withdrawal.
- Investments
Create cash flow that does not rely solely on shares with stock market fluctuations.
- Property
Leverage commercial or residential investments to produce a steady passive income.
- Business
Build a business that has recurring revenue streams, not just a job that demands your time.
- Intellectual Property (IP)
Monetise your knowledge through books, courses, licensing, subscriptions or digital products.
- Joint Ventures
Collaborate with others to pool resources and generate wealth faster.
The key is not mastering all seven pillars, definitely not – it's finding the right combination that works for you.
Many of you will have something in those first two or three – maybe you own a house, pay into a pension, perhaps even have a few ISAs or stocks and shares. Even the first two have the potential to release and generate money for you. However, the real magic happens when you add a new pillar. The most successful wealth builders focus on just one or two pillars, at least initially, potentially expanding their pillar types as their expertise grows. To learn more about the seven pillars, why not download our FREE 7 Pillars of Wealth eBook.
Why join WealthBuilders?
What makes this all so achievable, your journey to financial independence, is having the right support system in place. We live in an age of information, where advice on finances, investments and wealth is everywhere. But with so much out there, it’s easy to feel overwhelmed. How do you choose the right advice? After all, your circumstances are unique. So your journey to financial security and independence should be just as personal. The route you take – your financial GPS – must be tailored to you.
Here at WealthBuilders, my team takes the time to get to know you. We will:
- enable you to define your financial goals and milestones
- ensure you understand where you are now and what assets – pillars – you already have in place
- help you to leverage your assets while building new pillars to keep your journey always moving in the right direction
Unlike fragmented advice from accountants, pension advisors, mortgage brokers or banks – each often given in isolation – WealthBuilders provides a holistic approach, aligning expert guidance with your personal long-term financial goals.
What is the WealthBuilders Academy?
At WealthBuilders, our Academy is an education and mentoring platform that helps you to create recurring income and achieve financial independence by leveraging the Seven Pillars of Wealth.
WealthBuilders acts like an architect for your financial future, helping you choose, design and construct the right wealth pillars for you to ensure a strong, resilient financial roof over you and your loved ones.
We provide:
- a proven step-by-step process to enable financial security within 3 years, leading you towards financial independence and building a fantastic legacy for your family
- a wealth coach
- structured guidance
- expert insights
- a supportive community of like-minded wealth builders who will help you build wealth strategically and sustainably
We provide monthly one-to-one coaching, weekly expert sessions and regular networking events. With an average of just two hours of focused effort per week, you can begin building assets that will generate you lasting income.
I am personally committed to your success. That’s why I have introduced a triple guarantee:
- A 30-day money-back guarantee if you're not completely satisfied with the programme in your first month.
- A 90-day personal support guarantee, including direct access to me, Kevin Whelan, if you would like additional clarity on your wealth-building plan.
- A unique three-year guarantee: if you haven't achieved financial security within three years, WealthBuilders will continue working with you at no additional cost until you reach your goals.
The Academy represents an investment in your financial future – with a guaranteed outcome.
WealthBuilders is not about get-rich-quick schemes or risky investments. It's about using a proven process, tailored to you, with expert guidance along the way to help you reach financial freedom.
A new way of thinking
The most powerful shift will happen when you change your mindset. Stop just viewing your wealth in terms of savings. Forget about the ‘old ways’ of doing what our parents did – job, mortgage, work, work, work, pension, the end. Stop exchanging time for money. Start being strategic and building your potential pillars – your vital income-generating assets.
With the right help, you’ll begin seeing opportunities everywhere. Create certainty in an uncertain world and build those streams of income that will continue to flow regardless of economic conditions.
Your journey doesn’t need to take decades. With the right guidance, strategy and support, three years is all it takes to achieve financial security and transform your financial future.
The question is – are you ready to break free from the time-for-money trap and become financially secure?
If the answer is 'yes', register your interest in the WealthBuilders Academy.
