Everything you doripples out.Invest in that idea.
Ripple Out Ltd is a human development business built on a simple idea: a life is made of six connected things — money, health, mind, relationships, time, and meaning — and they move together. Most of us are taught to measure only one, and to call that wealth.
Wela™ is the framework that holds those six dimensions as one. The Conscious Currency® is the first methodology built under it — the work for the financial dimension, and the commercial entry point into everything that follows. Five more methodologies, one for each remaining dimension, come over the decade ahead.
The first methodology is built. The trademark is registered. The books are almost finished. A financial planning firm has already run the work with real clients. What hasn't happened yet is the launch. The £75,000 is what pays for it.
Where the business is today
The stage matters. Ripple Out was incorporated in October 2025. The months since have gone into building — the methodology, the two books, the certification content, the 12-module corporate programme, the tools, the brand. Revenue so far is a single coaching client a month at £450. That is the starting point.
The £75,000 funds a modest, full-time founder salary for the year it takes to bring the work to market. Without that runway the founder stays part-time and the business stays where it is. The raise buys the year of full-time focus that turns a built business into a trading one.
We have more than any generation in history. And many of us feel poorer for it.
Wealth once meant a whole life going well. Somewhere along the way it narrowed to one thing — money, the part you can count — and the rest of what makes a life rich dropped out of the ledger. People now judge whether their life is working almost entirely by the financial number, while time, health, relationships, mental space, and meaning quietly run down. You can be wealthy on paper and starved everywhere else.
Ripple Out exists to put the whole picture back. We hold wealth across six dimensions of Wela™ — Financial, Physical, Mental, Social, Time, and Meaning — as one system, because a gain in one dimension that costs you three others has not made you richer. The work helps people see the whole, define what enough looks like, and build a life where the dimensions support each other rather than compete for the same hours.
The Conscious Currency® is where that work begins. Money is the dimension most people feel first and most sharply, so it is the natural entry point and the first methodology built under the framework. It helps people understand their money behaviour, define enough, reclaim their time, and build a relationship with money that serves the life they actually want. Five further methodologies, one for each remaining dimension, follow over the decade ahead.
The market gap is real. Each discipline below serves its own purpose well. None works where Ripple Out works.
The audience is broad — the work is built to reach as many lives as it can.
Built for healing and psychological recovery — not for the practical life of someone moving forward.
Handles what to do with money, and Ripple Out works alongside it. It was never built for money behaviour and understanding.
Works one area at a time — without proprietary methodology or financial-services credibility underneath it.
Works across the whole person, with a trademarked methodology and 25 years of financial-services experience underneath it.
The internal work always ripples outward. That is not a philosophy. It is a business model.
The books are the engine. Everything compounds from there.
The books reach the widest audience at the lowest cost, build the email list and the credibility, and feed every other channel. Everything downstream is a deeper, higher-value step for the people the books bring in.
Coaching is the live core. Certification is the highest-margin and most scalable line — advisers and coaches train as licensed practitioners, each renewal compounds the year after, and the firm relationships already in place are the route to it. The corporate programme turns the methodology into a product a firm can buy off the shelf, with the £8,500 Full Library as its flagship.
Engine
Books
Money, Meaning & The Art of Enough and Built in the Dark reach the widest audience at the lowest cost. They build the email list and the credibility — and feed every other channel.
£8–15 per reader · the engineScale
Online Course
The self-paced Conscious Currency® programme — scaling the methodology to readers without the founder in the room.
£297 · self-pacedProduct
Corporate Programme
A 12-module library a firm can buy off the shelf — scalable and repeatable. The £8,500 Full Library is the flagship corporate product.
£750 module · £3,000 Core · £8,500 Full LibraryCore
1:1 Coaching
The live, irreplaceable core of the practice — money, career, relationships, health, and meaning addressed as a connected system. The deepest work.
£450 per sessionPipeline
Adviser Toolkit
A pre-certification licence already deployed inside a financial planning firm. Recurring revenue, and the pipeline into certification.
£750 per firm / year · recurringLicence
CC® Certification
Advisers and coaches train as licensed practitioners — the highest-margin, most scalable line. Each renewal compounds the year after, independent of the founder's hours.
£2,997 (£1,997 pilot) · £750/yr renewalReal assets. Owned today.
The £300,000 pre-money rests on intellectual property that exists now — what is built and owned, what is in build and launching, and what sits on the horizon, the last carrying no weight in this valuation.
The Conscious Currency®
A registered trademark and a complete money-psychology methodology across three phases: Awareness, Release, Living.
Built · OwnedWela™ Framework
The six-dimension meta-framework, with its sub-frameworks: Money Characters™, the Three-Colour Spending System™, and the Money Memoir process. (™ marks, moving to register.)
Built · Owned12-Module Corporate Programme
A full library spanning the Conscious Currency and the Wela dimensions, with a built price ladder.
Built · Price Ladder SetThe Adviser Toolkit
A pre-certification licence product, already deployed inside a financial planning firm.
Built · DeployedInteractive Tools & Two Websites
Interactive tools and two rebuilt websites, live, with a working app prototype.
Built · LiveTwo Books
Money, Meaning & The Art of Enough and Built in the Dark: Notes for Men — nearing completion, ISBNs purchased, all rights retained.
In Final Line EditCC® Certification
Practitioner handbook, theory, case studies, and session plans built. Programme structure and first cohort land October 2026.
In Build · Oct 2026Online Course & Diagnostic
The self-paced programme is in production. The Wela™ diagnostic — the measurement instrument behind the methodology — is a research and credibility asset, not a revenue line.
In Build · Research AssetWELA · Podcast · Retreats
WELA, the daily-practice app, is a working prototype in redesign (Year 2+). The podcast is promotional, launching with the books. Retreats build toward a Year 2–3 programme.
Horizon · No Valuation WeightA distinct position
The human development market is large and growing — financial wellbeing, life coaching, men's work, publishing — but fragmented. Each discipline serves its audience well. None operate across all of it simultaneously, with proprietary IP and financial-services credibility underpinning 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 | ✓ | ✓ | ✓CC® registered · ™ marks filing | ✓ | ✓ |
The moat is not any single attribute. It is the combination — and the 25 years of financial-services experience that makes the credibility authentic rather than claimed.
A wealthy life is six things, held together, rising and falling as one. The quality of your inner life sets the quality of everything around it. That is the idea, and everything else is built on it.Sam Tate · Ripple Out
Why Sam Tate
"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: 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.
That recognition became Ripple Out — a philosophy made operational. The Conscious Currency® is its most developed expression: a registered money-psychology methodology built into two books, a 12-module corporate programme, and a practitioner certification. But the work goes beyond money — career, relationships, health, purpose, and meaning, in the understanding that change in one area ripples outward into all the others.
The positioning is rare: 25 years of financial-services credibility, a coaching practice, two books in final edit, a registered methodology, AI-native build capability, a meditation qualification, and the lived authority of someone who has navigated significant personal challenges. This combination has been lived, not assembled for a pitch.
What has already been built and owned
The £300,000 pre-money valuation reflects intellectual property that exists today and is owned: a registered trademark, complete frameworks, two books in final edit, a 12-module corporate programme, and an adviser toolkit deployed inside a live firm. This is not a business with a pitch deck. It is a business with assets.
The Conscious Currency®
A registered, complete money-psychology methodology across three phases — Awareness, Release, Living. Includes the Wela™ framework, Money Characters™, the Three-Colour Spending System™, the Money Memoir process, and the Wela™ diagnostic. Entirely in-house; the supporting ™ frameworks are moving to register.
Money, Meaning & The Art of Enough
The CC companion book — 12 narrative chapters across Awareness, Release, and Living, with a companion workbook. Published via Ripple Out. The primary door-opener for the corporate and certification markets.
Built in the Dark: Notes for Men
52 essays occupying rare ground in the men's development market — serious work on how men actually live. Published via Ripple Out. Opens the B2C market to a large audience who may not arrive through the money door first.
CC® Certification Programme
Structured training for advisers and coaches to become licensed CC practitioners. The practitioner content, theory, and session plans already exist; the programme structure and first cohort land October 2026. The highest-growth, most scalable product in the portfolio.
WELA — The Daily-Practice App
A working prototype is live, demonstrating the methodology delivered as a daily digital practice. The longer-term build is a unified Ripple Out platform — the home for every tool, assessment, and methodology across all six dimensions of Wela™. Built directly by the founder at a fraction of conventional development cost — a pattern that compounds as the platform is built out. It carries no weight in this valuation.
Why £300,000 is the floor
The valuation rests on what already exists — a registered trademark and a complete methodology, two books in final edit, a 12-module corporate programme, certification content, an adviser toolkit deployed inside a live firm, and 25 years of founder credibility inside the industry that is its distribution channel.
What £300,000 buys into
An investor putting in £15,000 takes 4% at entry. At a conservative £1.5M exit — reachable through the certification model alone — that 4% is worth £60,000 before SEIS relief. Scaled across the other five Wela™ dimensions, the upside runs well into seven figures. That upside is the prize; £300,000 is the door.
Where the £75,000 goes
The £75,000 is runway and working capital for the launch. In the conservative case the company consumes only about £15,000 of it in Year 1 — the trading gap — and holds the rest as resilience, so a slower launch doesn't sink the business.
Above the lean cost base, the raise actively funds the launch push — books to market, the first certification cohort, and audience growth — alongside tools, technology and equipment, professional fees and insurance, and a working-capital cushion that keeps the founder full-time through the ramp.
Because the founder builds the technology directly, costs stay far below market rate — an advantage that compounds as the ecosystem grows.
Three years. Each one building on the last.
Pegged to the launch. Year One begins October 2026, when the raise lands and the founder goes full-time: bring the work to market and run the first certification cohort. Year Two scales the methodology beyond the founder. Year Three compounds into a platform business with multiple independent revenue streams.
- Founder full-time from October 2026
- Both books to market
- Certification pilot cohort runs (Oct 2026)
- Adviser Toolkit live across first firms
- Corporate programme selling off the shelf
- CC® podcast launched with the books
- Email audience and online course live
- Quarterly certification cohorts established
- First annual licence renewals compounding
- 3–5 financial planning firms licensed
- Revenue diversified across 4+ streams
- Business moves into profit (conservative case)
- WELA app redesigned and in build
- Retreats and group coaching launched
- Certification recurring across multiple firms
- Renewals a material, compounding revenue line
- Retreat programme established
- WELA delivering subscription & licensing
- Keynote speaking engagements annually
- International licensing on the horizon
- Second Wela™ methodology in design
Two cases. One set of assumptions.
Lean, and pegged to the launch. Year 1 begins October 2026, when the raise lands and the founder goes full-time — a conservative floor and the bullish case for 2027. The same numbers go to investors and to HMRC.
| Pre-launch (to date) | Year 1 (Oct ’26–Sep ’27) | Year 2 | Year 3 | |
|---|---|---|---|---|
| Conservative revenue | £3,000 | £34,250 | £105,700 | £203,500 |
| Conservative net | (£200) | (£15,250) | £47,950 | £127,500 |
| Bullish revenue | £3,000 | £92,000 | £275,500 | £434,000 |
| Bullish net | (£200) | £42,500 | £217,750 | £358,000 |
| Cost base (shared, lean) | £3,200 | £49,500 | £57,750 | £76,000 |
The cost base is deliberately lean — a £36,000 founder salary plus tools, a little marketing, professional fees, and contingency. The founder builds and runs the technology directly, which is why £75,000 buys close to two years of runway rather than one. In the conservative case Year 1 runs at a ~£15,000 loss the raise comfortably covers, and the business moves into profit from Year 2; in the bullish case it is profitable from Year 1. A full month-by-month cashflow, both cases driven from one set of assumptions, is available on request.
Named plainly
This is an early-stage investment. The capital is spent on growth, and there is a real risk of total loss. The specific risks:
This is a one-person business leaning heavily on technology, and it depends on the founder. If the founder cannot work, the work stops — the key-person risk of any early-stage, founder-led company, partially offset by the trademarked IP and documented methodology, which hold value independent of any single day's delivery.
The core risk is running out of runway. The £75,000 is sized to reach trading profitability by Year 2 in the conservative case; a slower launch lengthens that road.
The largest part of the upside leans on certification, which has not launched. The model is proven in a live pilot, the content is built, and the distribution relationships exist — but the first cohort is still ahead. The numbers grow into it; they do not assume it has happened.
An early-stage investment: SEIS reliefs and loss relief reduce the effective downside, but capital is genuinely at risk, including the risk of total loss.
How investors realise their return
SEIS investors hold for 5–7 years. The routes below are credible as the business matures.
Acquisition by a Financial-Services or HR Group
Financial planning firms, employee-benefits platforms, and HR-tech companies are actively acquiring human-development IP and coaching businesses. A trademarked methodology, a certified practitioner network, and the founder's industry relationships are the kind of differentiated IP strategic acquirers pay a premium for.
EIS Follow-On at a Higher Valuation
Once certification is generating recurring revenue, a larger EIS raise at a materially higher valuation becomes appropriate, and SEIS investors would see their equity valued up.
International Licensing
The questions the methodology addresses are not culture-specific. As the UK network matures, territory licensing and interest from larger ecosystems become credible — 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 while 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 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.
Worst-case effective loss materially reducedCGT Reinvestment Relief
Investors can defer Capital Gains Tax on other gains by reinvesting into SEIS-qualifying shares — 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 has been confirmed by HMRC. Capital is at risk.
The ripple is ready to move
The methodology has been proven with real clients. The IP exists and is owned. The founder has spent 25 years building the exact combination of experience, credibility, and intellectual property this needs.
What remains is the launch — and the £75,000 closes the distance between what Ripple Out is now and what it is built to become.
Register InterestThis 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 has been confirmed by HMRC. Ripple Out Ltd · Company No. 16792797 · Registered in England and Wales.