Everything you do
ripples out.
Invest in that idea.
Ripple Out Ltd is a human development platform built around The Conscious Currency® — a proprietary money psychology methodology delivered through books, corporate workshops, coaching, and practitioner certification.
The business is built on a simple conviction: that the internal work — understanding yourself, your patterns, and your relationship with money — ripples outward into every part of life.
We are seeking £75,000 under SEIS to fund the next phase of an ecosystem that is already built, already trading, and designed to scale.
What the money is for
The £75,000 buys the founder's time — full-time, undistracted — to get out of the room and have the conversations that turn a proven pilot into a repeatable commercial model. The methodology exists. The curriculum is written. The IP is trademarked and has been delivered live inside a financial planning firm. The first licence is already in formation. The capital closes the gap between what already works at small scale and what it is designed to become.
The upside is not complicated: a network of licensed practitioners delivering the CC methodology inside financial planning firms, generating recurring annual licence revenue independent of the founder's hours. That is a fundable, acquirable, scalable business. This raise is the first step toward it.
We have more than anyone who has ever lived. And something still feels missing.
This is the defining paradox of modern life. Anxiety is at record levels, and financial stress is the most commonly cited source of that anxiety. Much of that pressure comes from money becoming the primary measure of whether a life is going well. When that measure feels uncertain, everything feels uncertain.
Ripple Out exists to help people live better, happier lives through a deeper understanding of themselves and their relationship with money. From that understanding comes Real Wealth — where time, health, relationships, meaning, and financial security work together.
We are not here to help people accumulate more, but to help them understand what enough actually means and to build lives that reflect it. The internal work always ripples outward. That is the idea. It is also the market.
The audience is not niche. Our work is designed to reach as many lives as possible.
Clinical, rigorous, deep — it does exactly what it's designed to do. Built for healing and psychological recovery, not for the practical life and financial decisions of people who want to move forward and build a good life.
Essential, and Ripple Out works alongside it rather than instead of it. Addresses what to do with money, but does not address — and was never designed to address — money behaviour and understanding. It is simply a different territory.
Valuable when the fit is right, but tends to work on individual areas rather than the connected system underneath them. Without a proprietary methodology, financial services credibility, and the specific depth to address money psychology alongside life questions, it can build up one area at the expense of another.
Not a replacement for any of the above — a complement to all of them. Operates in the gap: the psychology beneath the behaviour, addressed across the whole person. Proprietary methodology and 25 years of financial services credibility behind the work. Built for people, and designed to work alongside advisers and therapists, not in competition with them.
The internal work always ripples outward. That is not a philosophy. It is a business model.
Every entry point leads deeper
Ripple Out is a connected ecosystem where every entry point introduces the philosophy and creates a natural path toward deeper engagement, with The Conscious Currency® as the flagship commercial entry point.
For the business, acquisition costs are low and lifetime value is high. A person who buys a book for £15 may become a coaching client at £10,000+. A firm whose employees attend a CC workshop may become a licensed certification partner at £8,000 per year. The funnel is long and the value compounds at every stage.
Friction
Publishing
Money, Meaning & The Art of Enough and The Work of Becoming introduce the Ripple Out philosophy at the lowest commitment level. A reader encounters the methodology, recognises themselves in it, and becomes curious about going further. The books are also the credibility document for every other conversation — with coaching prospects, financial planning firms, corporate clients, and investors.
£8–15 per reader · Unlimited reachEntry
CC® Workshops & Corporate Delivery
Financial planning firms and corporate HR teams bring the CC methodology to their employees and clients through half-day and full-day workshop formats. This is where the majority of people first encounter the work in a live context. Some will go no further — and that is fine, because the workshop delivers genuine value. But others will. The person who realises in a workshop that their relationship with money is the key to a more fulfilled life does not stop there.
£1,500–£5,000 per workshop · RepeatableDepth
1:1 Holistic Coaching
The live, irreplaceable core of the practice. Clients arrive through the books, through workshops, through word of mouth, or directly — each with a presenting question that is always, underneath, a question about who they are and how they want to live. Coaching is holistic by design: money, career, relationships, health, and legacy are addressed as a connected system, not in silos. This is where the deepest work happens and where the premium price is most clearly earned.
£3,000–£15,000+ per client engagementLicence
CC® Certification & Licensing
Financial advisers and independent coaches who encounter the CC methodology and want to embed it in their own practice can train and qualify as licensed practitioners. This is the highest-growth, highest-margin product in the portfolio — it generates recurring annual licence revenue entirely independent of the founder's personal delivery hours. One cohort of twenty practitioners paying £3,000 each is £60,000. It scales with every new cohort.
£2,500–£3,500 per practitioner · Annual licence renewal per companyPractice
The Ripple Out App
To be launched in Stage 3 of our growth, the Ripple Out app will be built on the CC methodology and the wider Ripple Out philosophy, delivering daily prompts, Real Wealth™ check-in, the Three-Colour Spending Audit™, Money Characters™ quiz, and a session journal. Freemium with a premium subscription tier. The app will sit across all other entry points — every reader, workshop attendee, and coaching client is a potential subscriber. Corporate firms can white-label it as a client-facing tool.
£9.99/month · Corporate licence from £500/monthOne philosophy. Seven expressions.
Ripple Out operates across individual coaching, corporate delivery, publishing, certification, live events, and digital. Each product is at a different stage of development — here is where everything currently stands.
Holistic Life Coaching
Premium 1:1 and group coaching — the irreplaceable human core of the ecosystem, where the deepest work happens and the premium price is most clearly justified.
Live · Active RevenueThe Conscious Currency®
The flagship commercial methodology — money as the entry point into whole-person work. Trademarked. Delivered as workshops, books, and a certification programme. Works alongside financial advice, not instead of it.
Live · In Corporate DeploymentThe Work of Becoming
52 essays on how men live and how they might live better. Opens the B2C market and the men's development space. Introduces a significant audience who may not arrive through the financial door.
Published · April 2026Money, Meaning & The Art of Enough
The CC companion book — the primary door-opener for corporate and certification conversations. Every financial planning firm considering the CC programme is introduced through this book.
Published · June 2026CC® Certification
A structured training programme for financial advisers and coaches to become licensed CC practitioners. The recurring annual licence revenue will help this become the highest-growth product in the portfolio over the long term.
In Development · Q4 2026 LaunchMen's Work & Retreats
Quarterly workshops and residential retreats built around both The Conscious Currency and The Work of Becoming. Begins in the North East as proof of concept. Builds community and feeds the coaching pipeline.
Launching Q3 2026The Ripple Out App
A daily consciousness practice drawing on the CC methodology. Freemium with premium subscription and corporate licence tiers. Turns the methodology into a daily habit across all other entry points.
Year 2 DevelopmentA genuinely distinct position
The human development ecosystem is large and growing — financial wellbeing, life coaching, men's work, publishing — but it is fragmented. Each discipline serves its audience well. What none of them do is operate across all of it simultaneously, with proprietary IP and financial services credibility to underpin every part.
| Operator | Financial Services Credibility | Holistic Life Coaching | Trademarked IP | Published Methodology | Certification Model |
|---|---|---|---|---|---|
| Financial wellbeing platforms (Bippit, Nudge, Octopus) |
✓ | ✗ | ✗ | ✗ | ✗ |
| Coaching platforms (BetterUp, Mindgym) |
✗ | ✓ | ✗ | ✗ | ✗ |
| Financial planning firms (Evelyn, First Wealth etc) |
✓ | ✗ | ✗ | ✗ | ✗ |
| Men's development (ManKind Project, etc) |
✗ | ✓ | ✗ | ✗ | ✗ |
| Ripple Out Ltd | ✓ | ✓ | ✓ | ✓ | ✓ |
The competitive moat is not any single one of these attributes. It is the combination — and the 25 years of financial services experience that makes the financial credibility authentic rather than claimed.
The quality of your inner life determines the quality of your outer one. That is the idea. Everything else is built on it.Sam Tate · Ripple Out
Why this person can build this
The single most important question in any early-stage investment is whether the founder can do what they say. Here, the answer is in the record.
"The person who came to me about whether to sell their business was really asking whether they had built a life worth living."
Sam Tate spent more than two decades inside financial services before recognising something the industry rarely admits: that the most important financial decisions people make are not financial at all. They are decisions about identity, values, fear, and what enough actually means. No spreadsheet reaches those questions. No investment plan resolves them.
That recognition became Ripple Out — a philosophy made operational. The Conscious Currency® is its most commercially developed expression: a trademarked money psychology methodology that addresses the psychological roots of financial behaviour, embedded in books, workshops, and a certification programme for financial professionals. But the work that Ripple Out delivers goes significantly beyond money. It addresses the whole person — career, relationships, health, purpose, and legacy — in the understanding that every part of a life connects to every other part, and that real change in one area ripples outward into all the others.
The founder's positioning is rare: 25 years of financial services credibility, an active holistic coaching practice, two books ready for publication, a trademarked methodology, tech proficient, a meditation qualification, and the lived authority of someone who has navigated significant personal challenges and emerged with something worth sharing. This combination has been lived, not assembled for a pitch.
What has already been built and owned
The £300,000 pre-money valuation reflects a body of intellectual property that exists, is owned, is trademarked, and is in active deployment. This is not a business with a pitch deck. It is a business with assets.
The Conscious Currency®
A registered, complete 12-component money psychology framework across three phases: Awareness, Release, and Alignment. Includes the Real Wealth™ model, Money Characters™, Three-Colour Spending System™, and Money Memoir process. Entirely in-house and already in corporate deployment.
Money, Meaning & The Art of Enough
The CC companion book — 12 narrative-driven chapters with a companion workbook. To be published via Ripple Press. The primary door-opener for the corporate and certification markets: every financial planning firm considering CC licensing is introduced through this book.
The Work of Becoming: Notes for Men
52 essays occupying rare ground in the men's development market — serious, well-written work on how men actually live. To be published via Ripple Press. Opens the B2C market and introduces the Ripple Out philosophy to a large audience who may not arrive through the money door first.
CC® Certification Programme
A structured training programme for financial advisers and coaches to become licensed CC practitioners. The methodology and workshop materials already exist. The certification structure is being formalised for commercial launch in Q4 2026. This is the highest-growth, most scalable product in the portfolio.
Why £300,000 is the entry point, not the ceiling
This valuation is anchored in what already exists, and is backed by the MVP Year 2 profit projection. A business with multiple IP assets, active revenue, a trademarked methodology in live deployment, and a certification model in development that is beyond seed-stage concept.
The value already created
For context: an investor contributing £15,000 acquires 4% of the business at entry. At a conservative £1.5M exit valuation — achievable through the certification licensing model alone — that 4% is worth £60,000 before SEIS tax benefits. The further the ecosystem scales, the larger that figure becomes.
Where the £75,000 goes
Every pound is deployed into genuine trading activity. The investment buys the founder the runway and resources to complete the transition from a solo coaching practice to a scalable human development ecosystem.
The founder salary (£3,000/month) is modest by market standards and is the minimum required for full-time focus on the business. It is the enabler of every other deployment decision.
Three years. Each one building on the last.
Year One activates what already exists. Year Two scales the methodology beyond the founder. Year Three compounds into a functioning platform business with multiple independent revenue streams.
- Both books launched and in market
- Coaching client base: 8–12 active clients
- 6–12 corporate CC workshops delivered
- Email audience built to 1,000+ subscribers
- CC Certification designed and in pilot
- Podcast launched in second half of year
- First men's work events hosted
- CC Certification first cohort delivered
- 3–5 financial planning firms licensed
- Revenue diversified across 4+ active streams
- Men's quarterly events established
- Podcast growing with sponsorship pipeline
- Group coaching programme launched
- App MVP in development
- CC Certification recurring across multiple firms
- Retreat programme established
- App delivering subscription revenue
- Business operating profitably
- 3+ keynote speaking engagements annually
- International certification horizon
- Reduced founder dependency through licensing
The commercial trajectory
These income projections are honest rather than optimistic. They are built on conservative assumptions for each revenue stream and are designed to show the path to growth, not the ceiling of what the platform could achieve.
| Revenue Stream | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Holistic Coaching (1:1) | £36,000 | £48,000 | £60,000 |
| Workshops & Courses | £12,000 | £30,000 | £42,000 |
| Speaking | £6,000 | £12,000 | £18,000 |
| CC Certification (new cohorts) | £25,000 | £50,000 | £75,000 |
| CC Licence Renewals | — | £5,000 | £10,000 |
| Books | £5,000 | £12,000 | £15,000 |
| Men's Events | — | £9,000 | £24,000 |
| Group Coaching | — | £12,000 | £20,000 |
| Podcast | — | £3,000 | £8,000 |
| App | — | — | £15,000 |
| Total Revenue | £84,000 | £181,000 | £287,000 |
Key assumption: CC Certification landing with 10 companies in Year 1 is the commercial inflection point. Year 2 and 3 growth is driven primarily by certification cohort expansion, licence renewals, and the diversification of revenue across events, group programmes, and digital products. Full 3-year cashflow forecast available on request.
How investors realise their return
SEIS investors hold for 5–7 years. The following exit routes represent plausible scenarios as the platform matures — not promises, but credible outcomes given the trajectory of the market and the assets being built.
Acquisition by a Financial Services or HR Group
Financial planning firms, employee benefits platforms, and HR technology companies are actively acquiring human development IP and coaching businesses. The CC trademark, certified practitioner network, and proprietary methodology represent exactly the kind of differentiated IP that strategic acquirers pay a premium for. The founder's existing financial services relationships make this the most natural exit route.
EIS Follow-On Round at Higher Valuation
Once the certification model is generating recurring revenue and the app has a subscriber base, a larger EIS raise at a significantly higher valuation becomes both possible and appropriate. SEIS investors would see their equity valued out in this round, crystallising returns without requiring a full exit from the business.
International Licensing or Platform Sale
The CC methodology is culturally translatable. Financial psychology is a universal human problem regardless of geography. As the certification network grows and the app scales, international licensing arrangements or acquisition by a larger human development ecosystem becomes a credible longer-term scenario. This is the highest-upside outcome for patient capital.
The investor's tax position
SEIS is one of the most generous tax relief schemes available to UK investors — significantly reducing downside risk whilst preserving full upside participation in the platform's growth.
50% Income Tax Relief
An investor contributing £15,000 receives £7,500 income tax relief in the year of investment, reducing their effective exposure to £7,500.
£15,000 invested → effective cost £7,500CGT Exemption on Growth
Any gains on SEIS shares held for three or more years are completely free of Capital Gains Tax. The full upside on exit belongs entirely to the investor.
Exit gains at 3+ years = 0% CGTLoss Relief
If the investment is lost, the investor can offset remaining losses against income tax or capital gains — significantly limiting effective downside exposure.
Worst-case effective loss materially reducedCGT Reinvestment Relief
Investors can defer Capital Gains Tax on other gains by reinvesting into SEIS-qualifying shares — making this a tax-efficient vehicle for investors managing gains elsewhere.
Use existing gains to fund the investmentTax reliefs are subject to individual circumstances. Investors should seek independent tax advice. SEIS Advance Assurance is currently in application with HMRC. Capital is at risk.
The ripple is already moving
This is an early-stage investment. The risks are real and disclosed honestly in the full business plan available on request. But the assets are real, the revenue is live, and the founder has spent 25 years building the specific combination of experience, credibility, and intellectual property required to execute this vision.
The £75,000 is the capital that closes the distance between what Ripple Out already is and what it is designed to become.
This document has been prepared for information purposes only and does not constitute financial advice or a formal offer of securities. Investment in early-stage businesses carries significant risk, including the risk of total loss of capital. Past performance is not indicative of future results. SEIS tax reliefs are dependent on individual circumstances and may be subject to change. Investors should seek independent financial and tax advice before making any investment decision. SEIS Advance Assurance is currently in application with HMRC and has not yet been confirmed. Ripple Out Ltd · Company No. 16792797 · Registered in England and Wales.