The Commercial Property Podcast

Episode 70: Build It. Protect It. Keep It. — Wealth Strategies Every Investor Should Know
With Kevin Whelan of Wealth Builders


In this episode, I'm joined by Kevin Whelan from Wealth Builders to talk about something that doesn't get nearly enough attention… not just how to build wealth, but how to protect it and, crucially, how to keep it in the family.
Because let's be honest—most investors focus heavily on making money, but far fewer have a clear plan for what happens next. And without that plan, a lot of that hard-earned wealth can slowly (or quickly!) disappear.
Kevin shares some incredibly practical insights around structuring your finances properly, thinking long-term, and creating what he calls a "family wealth fortress"—a framework designed to protect your assets, create certainty, and pass wealth down efficiently to future generations.
We also get into the detail around pensions—particularly SSAS structures—and why they can be such a powerful tool for investors who want more control over their money. If you've ever felt frustrated by the limitations of traditional pension models, this will really open your eyes to what's possible.
Along the way, we talk about the importance of building multiple income streams (not just for growth, but for resilience), the evolving landscape around inheritance tax, and how to start thinking more strategically about legacy planning—without it feeling overwhelming or overly complex.
This is one of those conversations that has the potential to completely shift how you think about wealth—not just as something you build, but something you design, protect, and pass on with intention.
What we cover in this episode:
We explore why having multiple income streams isn't just a "nice to have", but a critical part of creating financial certainty—especially in an uncertain world.
We break down some of the key considerations around inheritance tax, including recent changes and what they might mean for you as an investor.
Kevin explains how SSAS pensions work, why they offer significantly more control than traditional structures, and how investors are using them in practice.
We also introduce the concept of the "family wealth fortress", and how this kind of thinking can help you protect assets and create a long-term legacy.
And importantly, we touch on how to start putting all of this into action—without needing to overhaul everything overnight.
If you'd like to learn more about commercial property investing…
If you're looking to build income, create long-term wealth, and take more control over your financial future through commercial property, you can find more training, resources and upcoming events at:
www.suzicarter.com
Connect with Kevin and Wealth Builders:
If this episode resonates, Kevin and the team at Wealth Builders share a huge amount of valuable content around financial education, pensions, and wealth strategy. You can connect with them here:
Podcast Link: https://www.wealthbuilders.co.uk/suzicarter-23-3-25
Kevin's LinkedIn: https://www.linkedin.com/in/kevinjwhelan/
Website: https://www.wealthbuilders.co.uk/
Facebook: https://www.facebook.com/WealthbuildersUK
Instagram: https://www.instagram.com/wealthbuilderstogether/
LinkedIn: https://www.linkedin.com/company/wealthbuilderstogether
YouTube: https://www.youtube.com/@wealthbuildersuk

Episode 69: Future-Proofing Your Commercial Property — AI, Automation and the Next Wave of Tenants
What will commercial property look like in five or ten years' time—and are you investing with that future in mind?
In this episode, Suzi Carter explores how AI, automation, and shifting working patterns are reshaping the types of tenants occupying commercial space—and what that means for investors today.
As technology continues to evolve at pace, some business models will thrive, while others may struggle to adapt. The key to long-term success in commercial property is not just buying well—but buying with the future in mind.
Suzi shares how to think strategically about tenant demand, location, and property type so you can position your investments to remain resilient, relevant, and profitable in a rapidly changing landscape.
Key Topics Covered
How AI and automation are influencing the types of businesses that need space

What "future-proofing" really means in commercial property

Shifting demand across retail, office, and industrial sectors

Why adaptability is becoming one of the most valuable investment criteria

What You'll Learn
In this episode, you'll discover:
Why tenant type is one of the most important drivers of long-term value

How to identify which businesses are likely to grow—and which may decline

Practical ways to future-proof your commercial property investments

The strategic questions every investor should be asking before they buy

Learn More
If you're looking to understand how commercial property really works—and how to get started or scale your portfolio—you can explore more training, resources, and upcoming events here:
 www.suzicarter.com

Episode 68: The Biggest Fears in Commercial Property Investing — And What Really Stops Investors Getting Started
In this episode of The Commercial Property Podcast, Suzi Carter tackles one of the biggest barriers that stops investors moving into commercial property — fear.
Many investors assume commercial property is more complicated, more expensive, or riskier than residential. But in reality, many of these concerns are based on myths or misunderstandings.
Drawing on over 30 years in the commercial property industry, Suzi breaks down the most common fears she hears from investors — particularly those transitioning from residential property — and explains how the right knowledge, strategy, and due diligence can transform uncertainty into confidence.
You'll learn how commercial property really works, what risks actually matter, and how experienced investors structure deals to reduce risk while increasing income and long-term value.
If you've been curious about commercial property but haven't yet taken the leap, this episode will help you see the market in a completely different light.
Key Topics Covered
• The most common fears investors have about commercial property
• Why commercial property often isn't as expensive as many people think
• The truth about leases, tenants, and property management
• Why niching down is one of the smartest strategies in commercial investing
• How professional investors reduce risk through proper due diligence
• Understanding market demand before you buy
 Key Learning Outcomes
In this episode you'll discover:
• Why fear is often the biggest barrier to getting started in commercial property investing
• The difference between perception and reality when it comes to commercial property costs
• How choosing the right niche can make investing simpler and more predictable
• The key lease clauses every commercial investor should understand
• How strategies like pre-letting and multiple exit options can reduce investment risk
Why Commercial Property Can Be Simpler Than Many Investors Think
With the right approach, commercial property investing can offer longer leases, more predictable income, and less hands-on management than residential property.
The key is understanding tenant demand, lease structures, and how to assess risk properly before you buy.
Once you understand the framework professional investors use, commercial property becomes far less intimidating — and far more accessible.
Learn More About Commercial Property Investing
If you'd like to learn more about how commercial property works — and how to get started — you can find more training, resources, and events at:
www.suzicarter.com

Episode 67: "I Don't Need to Develop… Really?!"
One of the questions I'm asked most often by residential investors moving into commercial property is this:
"Do I have to develop to make money in commercial?"
In this episode, Suzi Carter unpacks why the answer is usually no.
She shares practical insight into how experienced commercial investors reduce risk, create value, and grow income through smart buying and proactive asset management — without taking on unnecessary development risk.
This episode is all about understanding where value really comes from in commercial property, and how focusing on the right location, the right tenant, and the right lease can often deliver better results than development ever could.
Key Topics Covered
The key differences between residential and commercial property investing

Why development is not a prerequisite for success in commercial property

How professional asset management drives value and reduces risk

The importance of location, tenant quality, and lease structure

Understanding market demand, niches, and long-term performance

 Key Learning Outcomes
By the end of this episode, you'll understand:
The core fundamentals that separate commercial investing from residential

How cash flow, risk, and value interact in commercial property

Why buying the right asset can remove the need to develop altogether

How demand, location, and tenant strength underpin long-term returns

 Essential Commercial Property Insights
You don't need to develop to succeed in commercial property — buying well and managing intelligently is often enough

Reducing risk and increasing rent are two of the most powerful levers for value creation

Strong tenants and well-structured leases have a direct impact on valuation

Location and tenant demand matter more than clever ideas

Specialising in a niche builds confidence, clarity, and consistency

You can find out more about Suzi's commercial property training and mentoring at
www.suzicarter.com and The Board at https://hub.commercialpropertyacademy.co.uk/new-join-the-board-page

Episode 66: All Money Out Within 3 Months of Purchase: Client Case Study with Panikkos Euripides
 
How do you get all your money out of a commercial property deal just three months after purchase?
In this episode of The Commercial Property Podcast, Suzi Carter is joined by her client, Panikkos Euripides, who shares a real-life commercial property case study showing exactly how he structured his first investment deal to recycle all his capital quickly.
Coming from a background in commercial lease consultancy, Panikkos breaks down how his professional expertise, and working with Suzi, gave him an edge in deal sourcing, negotiation, lease structuring, and value creation — and how other investors can apply the same principles, even without his experience.
This episode is packed with practical and inspiring insights for residential investors and business owners looking to move into commercial property with confidence.
 Key Learning Outcomes
In this episode, you'll discover:
How to overcome common challenges when investing in commercial property for the first time

Proven strategies to find and secure your first commercial property deal

Practical negotiation techniques to reduce the purchase price and improve returns

How to market and successfully let a vacant commercial unit

Why lease consultancy knowledge can significantly increase commercial property performance and value

 Essential Commercial Property Investment Insights
Panikkos shares several powerful lessons from his deal, including:
Why you shouldn't be afraid to offer below the asking price if the numbers stack up

How identifying motivated vendors can unlock exceptional commercial deals

The importance of pre-purchase valuations and scenario planning

Why a systematic deal-sourcing routine is critical for long-term success in commercial property investing

How smart lease structuring can accelerate capital recycling and income stability

 Why This Case Study Matters
This episode is a must-listen if you want to understand how experienced professionals approach commercial property investing, manage risk, and create value fast — without relying on speculation or long-term hope strategies.
If your goal is to build predictable income and scalable wealth through commercial property, this case study offers real-world proof of what's possible.
 Want to Connect with Panikkos Euripides?
You can contact Panikkos directly at:
 [email protected]
Learn more about Windsor Grange here:
 http://www.windsor-grange.com/
You can find out more about Suzi's training in commercial property at www.suzicarter.com