Keynotes, workshops and retreats on what a full life actually takes
Drawn from a body of work on Real Wealth: the six dimensions of a full life. Shaped to your people and your room.
What these sessions do
Some corporate speakers leave a room feeling good for twenty minutes. Then the energy fades before people have reached the car park.
Ripple Out works differently. The sessions are built around ideas that create friction and challenge the assumptions people carry about success, money, performance, and what it takes to live a wealthy life. People leave thinking and feeling differently, and that difference is built to last.
Ripple Out is the company behind the work. Twenty-five years in financial services. A firm co-founded, grown, and sold. Well over a decade of leadership. A personal burnout and the rebuilds that followed. Every session draws from material that was earned, not researched.
Real Wealth — the six dimensions of a full life
The workshops and sessions draw from this frame; sometimes across the whole of it, sometimes deep into one dimension.
Financial
The capacity to meet your needs, absorb shocks, and make choices without fear governing every decision. The dimension most people mistake for the only one.
Physical
Health, energy, and vitality. The body you live in and the capacity it gives you.
Mental
Clarity, calm, and the psychological space to experience life fully.
Social
Being known by people who matter, and mattering to them in return.
Time
Autonomy over how your hours are actually spent.
Meaning
The sense that your life makes sense, and that you matter to something beyond yourself.
The word wealth comes from the Old English wela. It did not mean money. It meant wellbeing.
A wide body of work, shaped to your room
Some sessions sit at the overview — Real Wealth across all six dimensions. Some go deep into one area for ninety minutes. The topics below are a sample of what the work draws from. Most engagements are built from two or three of these threads.
The Six Dimensions of Real Wealth
The signature keynote. Financial, Physical, Mental, Social, Time, Meaning — why one without the others is the trap most ambitious people fall into.
The Money Characters
The eight unconscious patterns that run most people's financial lives. The Guardian, the Avoider, the Achiever, the Performer — and what it looks like to work with them rather than be run by them.
What Enough Looks Like
The conversation successful people rarely have. Identity after achievement, the cost of the climb, the question that never quite got asked.
Built in the Dark
What men are not saying about money, work, and meaning. Competence, pressure, silence, and what a modern, grounded version of male success looks like.
The Three Colours of Spending
A practical lens on modern spending — yellow for necessity, green for spending you would choose again, pink for spending that happened to you. Awareness, not austerity.
Money and the Body
Financial stress is a physiological event before it is a cognitive one. The layers — breath, nervous system, chakras, embodiment. Why money work that ignores the body rarely holds.
Meaning and the Search for It
Coherence, significance, purpose. The three elements of a meaningful life, and what changes when people stop chasing one and start building all three.
The Cost of the Climb
For founders, executives, and senior leaders. What the pursuit of more takes from the other five dimensions, and what reclaiming them looks like from the top of the hill.
Financial Shame and the Inner Critic
The voice that narrates most people's financial behaviour in private. Where it comes from, what it costs, and what happens when it finally gets named.
Time as the Currency We Never Learn to Spend
Time Wealth as the dimension most business leaders sacrifice first and miss most. Three-Colour time as a diagnostic. What sovereignty over the calendar actually looks like.
The Conversation Your People Aren't Having
For wellbeing leads and People and Culture teams. Why financial wellbeing is the pillar most programmes fail at, and what it takes to address the psychology rather than the arithmetic.
What You Leave Behind
Legacy as something wider than money. The patterns, conversations, and values that pass on whether you design them or not.
Or something else. Tell us what you are working with and we will shape the session around it.
Four formats, combinable by design
Most engagements mix two or three. A keynote that opens a leadership away day with a workshop that follows in the afternoon. A workshop and a round of one-to-one coaching afterwards. A retreat with a keynote as its anchor. The shape is decided in conversation. The price reflects the shape.
Keynote
30 to 60 minutes — one idea, landed wellConferences, corporate events, away days, industry gatherings. One idea landed well, shaped to the room. Built to create friction, leave people thinking, and hold past the car park.
Most often booked by: wellbeing conferences, financial services firms, leadership events, away days.
Workshop or Facilitated Session
Half-day or full-day — where the work actually startsInteractive, grounded, practical. People leave with tools they can use on Monday morning and language for something they have been carrying in silence. Suited to leadership teams, professional groups, and away days where depth matters more than duration.
Most often booked by: leadership teams, professional networks, internal learning programmes, away days needing more than a talk.
Bespoke Programme
A combined engagement across weeks or monthsFor organisations wanting something deeper than a single session. A keynote that opens the conversation, a workshop that goes into the material, and one-to-one coaching for the people who need it most. Built around your people, your context, and the outcome you are working toward.
Most often booked by: owner-led businesses, leadership teams, firms running a considered development arc for their people.
Retreat
One to three days, off-site, held with careFor leadership teams, founder groups, and cohorts who want to work at a depth a conference room cannot hold. Residential or off-site. Real Wealth as the frame, or a single dimension with intensity. Built around the outcome your group is walking toward.
Retreats often include collaborators chosen for the shape of the work — breathwork, somatic practice, nature immersion, cohort facilitation. The deepest format Ripple Out offers.
Most often booked by: founder groups, senior leadership teams, organisations who know a single day will not be enough.
The material is the same across all four. What changes is the time, the depth, and what becomes possible inside it.
The founder behind the work
Sam Tate is the founder of Ripple Out and the creator of The Conscious Currency®. He spent twenty-five years in financial services, including building and selling an award-winning firm. Sam has spent years working alongside successful people who had the numbers right and the life wrong, and for a long time he was one of them. Now Sam is helping people see wealth differently — across all six dimensions of a life that actually feels full.
His book Money, Meaning & The Art of Enough publishes in 2026 — the first in a body of work on Real Wealth. He is a professional coach with training in meditation, breathwork, and movement, and delivers in a way that respects how different minds process information. He lives in the North East and works across the UK.
Organisations that care about their people
Ripple Out works with organisations aligned with the philosophy — those who take the wellbeing of their leaders and their teams seriously, and who are willing to invest in conversations that go beyond the surface. Delivery to date spans financial services firms and their professional networks, leadership groups, and private client audiences across the UK.
The Personal Finance Society
Professional body · Member event · 2025Money psychology for financial planners. The 80% of financial behaviour that technical advice cannot touch, delivered to an audience of practitioners who had spent careers working on the other 20%.
From the rooms this has landed in
"The most honest conversation we had as a leadership team in years."
"Changed how I think about performance entirely."
"Several people said it was the most valuable professional development they had attended."
What it costs
Engagements are priced to shape. The exact figure depends on scope, audience, format, and what is combined. A short conversation gives a clear number for your event.
Travel and expenses are charged separately. A 50% deposit secures the date. Cancellation inside 30 days is 50% of the fee, inside 14 days 100%.
Everything your committee needs
A two-page PDF covering bio, themes, formats, fees, and contact. Forwardable. No form to fill in.
Download the Speaker PackTell us about your event
A few details up front means we can come back with something useful rather than something generic. Who the audience is, what you are trying to shift, the date you are working toward.
Or email sam@samtate.co.uk directly.