Everything you do
ripples out.
Invest in that idea.
Ripple Out Ltd is a human development ecosystem built around Real Wealth™ — wealth understood across six dimensions: Financial, Physical, Mental, Social, Time, and Meaning.
The Conscious Currency® is the first methodology under that framework. It is the commercial flagship for the Financial dimension, delivered through books, corporate workshops, coaching, and practitioner certification. The other five dimensions become their own methodologies over the decade ahead.
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 accelerate a business already trading and projected to move into profit in Year 1. 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 base-case projection shows SEIS capital compressing the timeline between what already works at small scale and what it is designed to become.
The near-term upside is a network of licensed practitioners delivering TCC inside financial planning firms, generating recurring licence revenue independent of the founder's hours. That alone is a fundable, acquirable, scalable business. The longer horizon is the ecosystem built on top of it — five further methodologies across the other dimensions of Real Wealth, a research engine, and the measurement instrument that becomes the category-defining diagnostic. This raise is the first step.
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 what wealth actually means. A wealthy life is lived across six dimensions of Real Wealth™ — financial, physical, mental, social, time, and meaning — working together as a system rather than competing for the same hours. The Conscious Currency® is the first of these: the methodology for the Financial dimension, and the commercial entry point into the wider work.
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 reader who pays £15 for a book may pay £297 for the online course, and a meaningful subset of those graduates go on to work directly with Sam in 1:1 coaching. On a parallel track, financial advisers and coaches who encounter the methodology — through the books, a corporate workshop, or the certification page itself — can train as licensed practitioners at £2,997, with £750 annual renewals compounding each year. Two paths, one ecosystem. The value compounds at every stage.
Friction
Publishing
Money, Meaning & The Art of Enough and Built in the Dark 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 reachGrowth
Podcast & Community
Three planned shows across the ecosystem. The CC® podcast launches with the books, bringing the methodology to a wider audience through long-form conversation. A Built in the Dark show follows, and a broader Ripple Out conversations show completes the trio. The podcast feeds the email list, the email list feeds every other entry point. Community builds around the philosophy, not a product launch.
Audience building · Sponsorship pipeline from Year 2Entry
CC®Corporate Programme & Live Delivery
Financial planning firms and corporate clients deploy the CC® methodology to their teams through a modular pre-recorded programme — scalable, repeatable, and delivered without requiring the founder's physical presence. Live Q&A sessions and bespoke delivery remain available for clients seeking direct engagement.
£750–£6,000 per workshop · ScalableDepth
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 quarterly cohort of ten practitioners at £2,997 is approximately £30,000. Four cohorts a year projects to £120,000 of cohort revenue, with annual licence renewals at £750 per practitioner compounding from Year 2.
£2,500–£3,500 per practitioner · £750 annual licence renewal per practitionerPractice
Digital Platform
A working prototype is already live, proving the methodology can be delivered as a daily digital practice. The longer-term vision is a unified Ripple Out platform — the home for every tool, assessment, and methodology in the ecosystem, from interactive exercises to the full Real Wealth™ diagnostic. One platform. Every entry point. Every reader, workshop attendee, coaching client, and certified practitioner a potential subscriber. Freemium at the personal level. Licensable at the corporate and practitioner level.
Subscription and licensing revenue from Year 2One philosophy. Eight expressions.
Ripple Out operates as a connected ecosystem across individual coaching, corporate delivery, publishing, certification, podcasting, live events, community, 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 DeploymentBuilt in the Dark
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.
In Final Edit · 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.
In Final Edit · 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 Built in the Dark. Begins in the North East as proof of concept. Builds community and feeds the coaching pipeline.
Launching Q3 2026Podcast
Three shows, one ecosystem. The CC® show launches with the books, exploring money psychology through real conversations. Built in the Dark follows in 2027. A third Ripple Out show completes the platform. The lowest-cost, highest-reach audience builder available and the primary route to organic discovery and growth.
Launching with books · 2026Digital Platform
A working prototype is live at enough.rippleout.co.uk, proving the methodology can be delivered digitally. The longer-term build is a unified platform housing every Ripple Out tool, assessment, and methodology — subscription at the personal level, licensing at the corporate and practitioner level.
Prototype Live · Platform In DevelopmentA 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 money psychology framework across three phases: Awareness, Release, and Living. Includes the Real Wealth™ framework, Money Characters™, Three-Colour Spending System™, the Money Memoir process, and The Fullness Index™. Entirely in-house and already in corporate deployment.
Money, Meaning & The Art of Enough
The CC companion book — 12 narrative-driven chapters across three parts: Awareness, Release, and Living, with a companion workbook available separately. To be published via Ripple Out. The primary door-opener for the corporate and certification markets: every financial planning firm considering CC licensing is introduced through this book.
Built in the Dark: 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 Out. 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.
Digital Platform
A working prototype is live at enough.rippleout.co.uk, demonstrating that the methodology can be delivered as a daily digital practice. The longer-term build is a unified Ripple Out platform — the home for every tool, assessment, and methodology in the ecosystem across all six dimensions of Real Wealth™. The founder built the prototype using AI tools at a fraction of conventional development cost — a pattern that compounds as the platform is built out.
Why £300,000 is the entry point, not the ceiling
This valuation is anchored in what already exists, and supported by base-case projections showing profitability from Year 1 and compounding through Years 2 and 3. 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.
Technology costs are significantly below market rate. The founder operates as a proficient AI-native builder, developing interactive digital products, design systems, and content infrastructure using advanced AI tools at a fraction of conventional development cost. This advantage compounds as the ecosystem grows.
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
- CC® podcast launched alongside the books
- 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 · Built in the Dark show launched
- Group coaching programme launched
- Platform development underway — unified home for every Ripple Out tool and methodology
- CC Certification recurring across multiple firms
- Retreat programme established
- Platform delivering subscription and licensing revenue
- Business operating profitably
- 3+ keynote speaking engagements annually
- International certification horizon
- AI-assisted methodology delivery scoped and in development
- Reduced founder dependency through licensing
The commercial trajectory
These projections represent the growth trajectory the platform is designed to achieve. They are built on the certification model scaling to quarterly cohorts of 10 practitioners from Q1 2027, with coaching, corporate delivery, and publishing ramping in parallel. A detailed month-by-month cashflow forecast with conservative base-case assumptions is available on request.
| Revenue Stream | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Individual Coaching | £37,000 | £42,000 | £60,000 |
| Corporate Programme Modules | £9,000 | £18,000 | £27,000 |
| Speaking | £6,000 | £8,000 | £12,000 |
| Discovery Sessions | £2,400 | £3,600 | £5,400 |
| CC® Certification (cohorts) | £36,000 | £120,000 | £144,000 |
| CC® Annual Licence Renewals | — | £10,500 | £40,500 |
| Book Sales | £2,000 | £3,000 | £4,000 |
| Podcast Sponsorship | — | £1,200 | £4,800 |
| Digital Products | — | £2,000 | £8,000 |
| Total Revenue (projected) | £93,000 | £208,000 | £306,000 |
| Net Profit (projected) | £38,000 | £124,000 | £206,000 |
These are base-case projections. Revenue is driven by the corporate programme (6 modules recorded Q2 2026, generating from July), individual coaching growth from the current base, and the CC® Certification programme — pilot in October 2026, followed by quarterly cohorts of 10 practitioners at £2,997 from January 2027. Annual licence renewals at £750 per practitioner compound from Year 2 onwards. A more conservative scenario (submitted as part of SEIS Advance Assurance) and the full month-by-month 3-year cashflow are 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 questions the methodology addresses — financial stress, the search for meaning, the felt question of enough — are not culture-specific. As the UK certification network matures, international licensing arrangements and acquisition interest from larger human development ecosystems become credible longer-term scenarios. 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 has been confirmed by 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 has been confirmed by HMRC. Ripple Out Ltd · Company No. 16792797 · Registered in England and Wales.