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The 40% Club Podcast

The 40% Club Podcast

Written by: Riz Malik
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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.
2026 R3 Mortgages Ltd. The 40% Club is an R3 Wealth production. All rights reserved. Economics Leadership Management & Leadership Personal Finance
Episodes
  • Episode 01: The Silent Partner in Your Success Host: Riz Malik

    Episode 01: The Silent Partner in Your Success Host: Riz Malik
    Dec 27 2025

    Most successful families unknowingly operate in a forced partnership with the state. Whether it is your business, your property portfolio, or your pension, HMRC effectively holds a 40% stake in your life’s work. In this inaugural briefing, Riz Malik introduces the core philosophy of The 40% Club: viewing Inheritance Tax (IHT) not as an inevitability, but as a minority shareholding that requires a proactive "buyout" strategy.

    Key Strategic Briefings

    • The 40% Partnership: Why your most valuable assets are currently co-owned by the revenue.
    • Beyond the Basics: Moving past simple gifting into advanced legacy architecture.
    • The Liquidity Gap: Identifying the risk of heirs being forced to liquidate family assets to settle tax liabilities.
    • Control vs. Compliance: How to regain authority over your estate while navigating complex UK tax rules.

    About the Host

    Riz Malik is an Independent Financial Adviser at R3 Wealth. When not providing expert market commentary for national news outlets, Riz works with high-net-worth Doctors, Business Owners, and Property Investors to protect their legacies from unnecessary tax erosion.

    Disclaimer: Tax rules are complex, subject to change, and any benefits depend on your individual circumstances. This podcast is for informational and educational purposes only and does not constitute personal financial advice. Investments can rise and fall in value, and you may get back less than you invested. Always seek professional advice before making significant financial decisions.
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    3 mins
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