In this episode, Ato speaks with Andrew Craig, best-selling finance author of “How to Own The World, a financial educator of 13 years and founder of personal finance website: Plain English Finance and Debodun Osekita, former trader at Goldman Sachs, founder of stock pickers academy and investing coach. We discuss: - Passive Investing vs Active Investing in the stock market - Global Index Funds vs S&P 500 Index Funds - Should Crypto be part of your investing portfolio? - Future opportunities ...
Aug 18, 2025•1 hr 19 min
In this episode, Ato speaks with Oyin Adebayo the founder and CEO of Niyo Group, the powerhouse behind Niyo Labs and Niyo Fest. From earning £200 a week as a hairdresser to building a company that’s generated over £2 million in revenue. Through Niyo Labs, she’s helped hundreds upskill into tech roles, while Niyo Fest celebrates Black identity and joy on a major stage, drawing thousands each year. We discuss: - How her relationship with money helped her succes - How she scaled Niyo group from £20...
Aug 11, 2025•1 hr 12 min
In this episode, Ato speaks with Leon Boros, who is a private investor and former corporate financier who became an ISA Millionaire in 2013 (Meaning he built a £1M+ tax-free portfolio made up of stock investments). We discuss: - Key choices that shaped Leon's financial success - How to become an ISA Millionaire - How much he invested to become an ISA Millionaire - Leon's investing framework that made him an ISA Millionaire - Investing through stock market crashes - Is it still possible to beat t...
Aug 04, 2025•1 hr 43 min
In this episode, Ato speaks with Deborah Williams is a seasoned financial professional who held roles in private banking and relationship management at top institutions including NatWest, Brown Shipley, Coutts, and C. Hoare & Co where she advised high-net-worth individuals. She was a 2018 finalist for Private Banker of the Year at the Women in Finance Awards and now works as a financial coach and moderator with Female Invest and Black Girl Finance. We discuss: 3 most surprising things she en...
Jul 28, 2025•1 hr 38 min
In this episode, Ato speaks with Peter Ferrigno, Director of Tax Services at Henley & Partners who is the global leader in residence and citizenship planning. We discuss: - Why so many Millionaires are leaving the UK - How Millionaires leaving the UK impact it’s economy - The countries with the lowest tax rates - What you should consider before moving abroad - How to protect your financial future and much more 🔗 Connect with Peter: Linkedin: https://www.linkedin.com/in/peterferrigno1 Instag...
Jul 21, 2025•1 hr 53 min
Michael is a certified financial planner and financial advisor with over a decade of experience in the financial services industry. In this episode we discuss: - How a client experienced changed Michael’s perspective on retirement - Pro’s and cons of using a pension for retirement - What you need to do differently to speed up your retirement - What are RSU’s and stock options and how to build wealth with them - Building a balanced retirement portfolio and much more 🔗 Connect with Michael: Linke...
Jul 14, 2025•1 hr 29 min
Hey Folks! I hope you’re enjoying the weekend! Just to let you know the podcast will be on a short break for 1 week and will return on the 14th July. I need a short break to replenish my battery and go strong for the second half of the year. In the meantime why not check out previous episodes that you've missed. I’ve got so many amazing conversations coming up so please stayed tuned and I’ll see you soon! Learn more about your ad choices. Visit megaphone.fm/adchoices...
Jul 06, 2025•15 sec
In this bonus episode, recorded live at the Morningstar Investment Conference, Ato speaks with Ryan Murphy, Global Head of Behavioral Insights at Morningstar — a leading global investment research and management firm known for its trusted data, analysis, and expert insights that help investors make informed decisions. In this episode we discuss: - How your money mindset shapes financial decisions and long-term success - Simple strategies to avoid common behavioural mistakes with investing - Why ...
Jul 03, 2025•16 min
In this episode, Ato speaks with Joyce Idoniboye, Chief People Officer at Oxfam GB she is an accomplished Human Resources leader with over 20 years of experience spanning the non-profit, investment banking, and legal sectors. In this episode we discuss: - Why Joyce risked everything to move to London - How she went from working in a hotel to Chief People Officer - How to stand out to your manager and get promoted - Negotiating your salary - Career Skills that will be valuable in an AI world - Ho...
Jun 30, 2025•1 hr 38 min
In this episode, Ato speaks with Ayesha Ofori a multi-award-winning business woman, property investor, angel investor, and the founder & CEO of Propelle, a female-focused investment platform. In this episode we discuss: - Wealth lessons learnt from Ayesha's time at Goldman Sachs - How she became an executive director at Goldman Sachs - Was there pressure managing £500 million of client's money - Can you becoming wealth from a 9-5? - Turning your salary into assets - A portfolio approach to I...
Jun 23, 2025•1 hr 30 min
In this episode, Ato speaks with Mike Coop is the Chief Investment Officer for Morningstar Investment Management in Europe, the Middle East, and Africa, with over 37 years of experience in financial services. In this episode we discuss: - Lessons from 37 years of investing - How to build a well diversified stock portfolio - S&P 500 vs Global Index Funds - Is it too late to invest in AI? - What’s the future of the magnificent 7 (Tesla, Apple, Microsoft, Google, Meta etc) - How can investing b...
Jun 16, 2025•1 hr 12 min
In this episode, Ato speaks with Joseph Obeng is a qualified financial advisor with over 12 years in the financial services industry. He’s the author of Flow State Money, a book that blends psychology and personal finance to help you manage money with clarity and confidence. In this episode we discuss: - The obsession with buying property - The societal pressure of getting on the property ladder - Investing in property vs investing in the stock market- Is renting throwing away money? - How the s...
Jun 09, 2025•1 hr 52 min
In this episode, Ato speaks with Perry, a cab driver, property entrepreneur, author and went on the journey of financial independence at the age of 57 and he achieved financial independence (light) in 3 years. In this episode we discuss: - Why Perry decide to change his life at 57 - Shifting from 40 hours a week or 80 hours a week to make extra income - How he managed to buy multiple properties on a minimum wage - How he achieved financial freedom 'light' in 3 years - The mindset required to att...
Jun 02, 2025•1 hr 32 min
Live at the Morningstar Investment Conference, Ato speaks with 4 investing experts on how to build wealth through the stock market. In this video we discuss: - How to build wealth through the stock market - What they wished they had known sooner - Their number one advice for investors - Why waiting to invest can cost you - Biggest mistakes investors make - Where Morningstar see potential opportunities in the stock market and much more Connect with Ruli Viljoen https://www.linkedin.com/in/ruli-vi...
May 29, 2025•27 min
In this episode, Ato speaks with Ebenezer Ghanney, the Founder of WeWire a fintech company which helps to facilitate cross border payment and he’s also the former head of operations for Ghana at yellow card, the most funded cryptocurrency exchange in Africa. In this episode we discuss - Money lessons that shaped Ebenezer - How WeWire solves the dollar crisis in Africa - How WeWire has grown to a 7 figure business - How to make your first £100,000 in your 9-5 or in a business - The importance of ...
May 26, 2025•1 hr 56 min
In this bonus episode, recorded live at the Morningstar Investment Conference, Ato speaks with Dan Kemp, Chief Research and Investment Officer at Morningstar — a leading global investment research and management firm known for its trusted data, analysis, and expert insights that help investors make informed decisions. In this episode we discuss: - Why you should ignore the headlines and stay invested - How to manage emotions during market turbulence - The risks of reacting to short-term noise - ...
May 21, 2025•16 min
In this episode, Ato speaks with Lámidé Elizabeth a former banker at JP Morgan and Citibank, international real estate consultant and co-founder of professionElle network. In this episode we discuss: - Lámidé's key lessons from working in investment banking - Why multiple streams of income is essential - Building wealth with no borders - The importance of discipline - Key insights from millionaires & money experts she's spoken to and much more! Connect with Lámidé:Instagram: https://www.inst...
May 19, 2025•1 hr 23 min
In this episode, Ato speaks with Julianah a property investor & developer with over 10 years experience in the property industry and has a property portfolio worth £2.1 million. In this episode we discuss: - How Julianah scaled her property portfolio to 11 properties - How to build wealth with property - The pro's and con's of the BRRR strategy - The opportunity to invest in property in UAE - Whether buy to let is still a viable property strategy - How beginners can start investing in proper...
May 12, 2025•1 hr 34 min
In this episode, Ato speaks with Chris Ball, a financial advisor, chartered accountant, and CEO of Hoxton Wealth, which provides borderless financial advice to high and ultra-high-net-worth clients, managing $2.7 billion in assets for over 7,000 clients globally. In this episode we discuss: - Starting Hoxton Wealth - Money management is key to building wealth - Why buying a property isn't the smartest investment - The best performing assets to invest in - How to invest globally - Whether you can...
May 05, 2025•1 hr 53 min
In this episode Ato has a conversation with Dr Andy Summers, who is an Associate Professor of Law at the London School of Economics. His research focuses on the evaluation and design of UK tax policies, particularly those affecting top earners and High Net Worth Individuals (HNWIs). He is the Director of the Centre for Analysis of Taxation (CenTax), a research center dedicated to contributing to the design of a more effective UK tax system. In this episode we discuss - The effectiveness of the c...
Apr 29, 2025•1 hr 46 min
In this episode we have Debodun Osekita, former trader at Goldman Sachs, founder of stock pickers academy a community that educates you on investing in the stock market, founder of coach cube that helps you prepare for job interviews, he is an investing coach and angel investor. In this episode we discuss: - Why you need to invest - A simple way for you to start investing and building wealth today - How just investing in the S&P 500 isn't enough - S&P 500 vs Global ETF's/Index Funds - So...
Apr 22, 2025•1 hr 49 min
In this episode we have Frederick Afrifa who is a award winning global keynote speaker, TEDx public speaking coach, co-founder of communication coaching business “believe in greatness”, former professional athlete representing Italy and was a candidate on season 19 of The Apprentice 2025. In this episode we discuss - Frederik’s journey to becoming a pro athlete - Hitting rock bottom and wanting to change his life - Quitting athletics to become a public speaker - Habits and techniques to make you...
Apr 14, 2025•1 hr 52 min
In this episode we have Michael Berhane, a software engineer and founder of POCIT a career platform for the underrepresented in tech. In this episode we discuss: - How he scaled POCIT to 7 figures but then had to PIVOT the business - Dealing with anxiety whilst growing the business - How being a CEO is like being a parent - Wealth building strategy to retire early - Biggest surprises of 7 years of entrepreneurship - How you're losing to people you're better than - Impact AI will have in the next...
Apr 07, 2025•1 hr 38 min
In this episode we Ian Dempsey, an independent financial advisor with nearly two decades of experience in the financial services industry. He brings a wealth of knowledge garnered from his extensive career, including roles in mortgage advising before venturing into financial advising. In this episode we discuss: - The proposed Cash ISA changes - Overpaying your mortgage vs investing in the stock marker: Pro's and cons - How to decide whether you Overpay your mortgage or Invest - A financial advi...
Mar 31, 2025•1 hr 41 min
In this episode we have Benedicta, who is a CIMA Qualified Accountant with over 13 years experience working in Government Finance, she’s a Finance Management Consultant, Public speaker and the founder of Beniratio Finances. In this episode we discuss: - Impact of Personal allowance being frozen - Capital gains tax changes and what that means for you - How businesses, employees and contractors are affected by the National Insurance changes - How to pay less tax in April 2025 - Why you need to bui...
Mar 24, 2025•1 hr 18 min
In this week's episode we have Priya Gill Liaudet, who is a divorce lawyer and a family law specialist. With over 10 years assisting couples who are forming a union and want an agreement in place to safeguard their future as much as possible. In this episode we discuss: - How the legal system views marriage and finances - Why money causes a breakdown in marriage - How a pre-nuptial and post-nuptial agreement work - What happens to a couple assets if they decide to divorce - Whether cohabiting co...
Mar 17, 2025•1 hr 13 min
In this week's episode we have Bejay Mulenga MBE, who is the founder of the training, recruitment and development company, Supa Network where he has worked with brands such as Apple, Google, Amazon, Sony Music, Uber, Coca-Cola, Facebook, Nike and much more. In this episode we discuss: - Bejay's creating his first business at 14 and earning £200k at 18 - Building a training business and working with Facebook and Apple - Why you shouldn't quit your job too soon for a business - How Bejay generated...
Mar 10, 2025•1 hr 40 min
In this week's episode we have Lord John Lee, a House of Lords member, former MP, a Stock Market Investor with over 60 years of experience and author of the book “How To Make A Million Slowly Guiding Principles From A Lifetime of Investing”. In this episode we discuss: - Lessons John has learnt from 60 years of investing - How he became the UK's First ISA Millionaire in 2003 - The strategy he used to build his portfolio to £1 million+ - How he achieved an average annual return of 21% - How you c...
Mar 03, 2025•1 hr 33 min
In this week's episode we have ex-recruiter and proposal manager Amie Touray who is a former pharmaceutical recruiter where she helped job seekers land roles in the industry. She is now a proposal manager in clinical research and the founder of For My Interview. In this episode we discuss - Why the Job market in the UK and globally is so tough - How to effectively prepare for an interview - Using the SELL method to stand out in an interview - Behaviours of the best and worst interviewers - How t...
Feb 24, 2025•1 hr 42 min
In this episode we have Pete Matthew a 27-year veteran Chartered Financial Planner and the creator of Meaningful Money where he has developed over 600 videos and 550 podcast episodes, helping countless people understand how money works and how to make it work for them and he's the author of "The Meaningful Money Handbook". In this episode we discuss: - Stocks and Shares ISA vs Workplace Pensions v SIPPs - How to much money you need in your pension to retire - What to invest in your pension - Liv...
Feb 17, 2025•1 hr 50 min
