Nicole Bremner

Nicole Bremner Chartered Financial Planner (Australia, soon UK). Wealth and property strategist. Founder of Prosperity. 2 x author, Podcast host. Send me your questions šŸ«¶

Over ten years ago, following a career in investment management, I was at home raising three children under three and unsure what my future held. Over the next decade I founded East Eight, a boutique property development company, and developed over Ā£120m of residential and commercial real estate mostly around Hackney, east London. During that time I was at the forefront of the alternative finance

industry crowdfunding over Ā£6.4m across six sites. I wrote a book about my experience, Bricking It - From stay at home mum to millions in property. Building on my experience and expertise, particularly around the importance of personal branding within the property space, I'm often invited to speak at events throughout the world with engagements in Dubai and Canada during 2020 and Cyprus in 2021 (all delivered virtually in the end, sadly). My favourite endeavour is my podcast where I share engaging conversations with people from all industries at www.nicolebremner.com/podcasts. Coming soon is Prosperity Podcast, a one of a kind podcast focussing on the stories that shaped the lives of our guests especially around money. Outside of property Iā€™ve invested in property auction company Bamboo Auctions and music group terrible*. Whenever possible my partner Paul and I escape to the Mediterranean to sail on Savvy of London, an XP-55 by X-Yachts. We recently launched a sailing channel on YouTube, SailingSavvy, which follows our familyā€™s adventures at sea.

30/08/2026

Paul was just leaving for the airport when I decided to go with him. In minutes Iā€™d organised three teenagers, three dogs and packed a bag. Not that I need much, itā€™s all on the boat.

24 hours later we found ourselves bobbing around on the sea off Poros. Itā€™s just what we needed after a pretty awful couple of months. Good food, good wine and wonderful company. Greece is always a good idea šŸ‡¬šŸ‡·

05/08/2026

Your children probably need your money at 35ā€¦ not 65.

The ā€œgreat wealth transferā€ is already underway and rising housing costs are changing how families think about passing on wealth.

Hereā€™s why giving earlier could be one of the smartest financial decisions you ever make. We wrote a chapter about this in Taxed to Death. While it requires a great deal of organisation, if youā€™re prepared to stay on top of it, gifting is a very effective estate planning tool.

For information not advice. Always speak to a regulated financial adviser.

15/07/2026

Iā€™m a runner again šŸ„¹

My first run! 11 weeks post spinal surgery and I managed 1km. Seems so small when I was running 7-15km each run while hardly breaking a sweat pre injury. But small steps as they say.

I could feel a little stretching across the incision after but Iā€™m supposed to be putting under a little strain now. This morning I felt great though.

And the dogs couldnā€™t be happier.

*It was a wee not a poo šŸ’©

14/07/2026

20 years ago I left corporate life. This month I went back.

Iā€™ve joined as Director of Strategic Growth and marketing and I couldnā€™t be more excited about what weā€™re building.

Over the last 28 years Paul and his team have built one of the largest wealth management practises in Kent and East Sussex. The goal is to double that over the next three years, and Iā€™m going to be sharing that growth. More on that later.

For now itā€™s all about strategic relationships. One thing Iā€™ve learned is the best outcomes for clients happen when their advisers talk to each other so Iā€™m on a mission to build a trusted local network across the south east.

If youā€™re an accountant, family lawyer, conveyancer, mortgage broker or will writer, Iā€™d love to connect. Letā€™s grab a coffee.

Drop me a message or comment below.

03/07/2026

Bloomberg says AI is coming for wealth management. Theyā€™re half right.

The admin is mostly streamlined. The report writing, the data gathering, the endless meeting notes, AI will (and should) sort all of it.

But hereā€™s what Iā€™m seeing on the ground, the more automated the industry becomes, the more valuable the human bit gets.

AI can build a basic portfolio (if you wish to upload all your personal information šŸ¤·šŸ¼ā€ā™€ļø). What it canā€™t do is talk you out of selling everything in a market panic. It canā€™t spot that your property structure is about to create a tax problem in five years. It canā€™t sit across from you and ask the question youā€™ve been avoiding.

The advisers who lose to AI were only ever doing the admin. The ones who win are the ones doing the thinking. After 20+ years across property, markets and financial planning, Iā€™d say the future of wealth advice isnā€™t human OR machine, itā€™s judgement.

What do you think? Would you trust AI with your wealth?

02/06/2026

Finally, the Bricked It audiobook is here šŸ«¶šŸ¼

Head over to my podcast, the Prosperity Podcast, where you can listen every Monday and Thursday over the coming weeks.

And in the interest of full disclosure, yes, the voice is mine but I used to replicate it and narrate the book for me. Anyone whoā€™s recorded an audiobook knows itā€™s a long, painful, long process, so Iā€™m grateful I could fast track it this way. Iā€™d genuinely love to know what you think of the result. As they said, the words are mine but the voice is, well, mineish too.

Iā€™m also opening up the final episode to your questions, so drop me a message with anything youā€™d like me to feature. And I do mean anything, at this point Iā€™ve nothing to hide. If thereā€™s one lesson I hope my story leaves you with, itā€™s this, be wary of anyone promising you the world in property investment. Quite frankly, it doesnā€™t exist.

22/05/2026

We were in my Womenā€™s Investment Boardroom, a room of successful women and I asked the question, ā€œKnowing what you know now, what do you wish youā€™d done sooner?ā€

Nearly every woman said the same thing, I wish Iā€™d prioritised my pension.

For decades that was the right answer. The tax relief. The compounding. The discipline of locking the money away. And the quiet legacy bonus of passing it down outside your estate.

From April 2027 that legacy bonus disappears. Unspent pensions will fall inside your estate for inheritance tax. The thing that made pensions magical for generations of women is being undone.

So the lesson isnā€™t that pensions are bad. Theyā€™re not.
The lesson is that you donā€™t put everything into one vehicle because someone told you it was the smart move. Rules change. Governments change. Tax landscapes change.

Real wealth lives across pensions, ISAs, investments outside the wrapper, property and businesses. So whatever they decide to tax next, only part of your portfolio is exposed.

That conversation is exactly why I started running these boardrooms. A room of women looking at their full picture asking the questions theyā€™ve been holding in.

If you want a seat at the next Womenā€™s Investment Boardroom message me and Iā€™ll send you the details.

Disclaimer: This is general information only and not personal financial, tax or pensions advice. Pension and inheritance tax rules can change and individual circumstances vary. Please speak to a qualified financial adviser before making decisions about your pension, investments or estate.

21/05/2026

Most women learn about the 7 Year Rule far too late. By the time they get the right advice theyā€™ve already lost the one thing that makes it work, time.

Inheritance tax takes 40% of everything above your threshold the day you die. Without a plan your children inherit a tax bill before they inherit anything else.

Hereā€™s the rule that changes everything. If you gift money to your children or grandchildren and you live for seven full years after the gift, it falls completely out of your estate for inheritance tax. Not partially, completely.

That same money sitting in your account when you die is worth 40% less to your family.

The clock doesnā€™t run on intentions. It runs on actual gifts that have left your account.

If your estate is over the nil rate band consider starting today. Get the clock ticking on every pound you can comfortably part with.

Your future grandchildren could inherit hundreds of thousands more because of the year you finally got started.

I wrote a whole chapter on this in my latest book Taxed to Death because itā€™s the single biggest lever most women arenā€™t pulling.

Save this. Send it to a friend whoā€™s still putting it off.

Disclaimer: This is general information only and not personal financial, tax or legal advice. Inheritance tax rules can change and individual circumstances vary. Please speak to a qualified financial adviser or estate planning solicitor before making decisions about gifting or your estate.

19/05/2026

Three week post op physio check up today and it was quite confronting. The drop foot may be permanent šŸ˜³ The nerve was so damaged when my discs herniated that it may never recover.

My physio recognised my frustration and impatience, called it out and made me promise to find some patience. But he also gave what he called ā€œmore advancedā€ exercises than he normally would and made me promise not to overdo it šŸ¤“

So no weights or running, of course. I canā€™t even walk the dogs, but I can go for very long walks, twist, bend and stretch (that sounds like yoga to me, right? šŸ˜…) and work my core.

To help rehab the nerve Iā€™ve been given toe exercises. Letā€™s hope they work or I may never run for a bus again - not a regular occurrence in Rochester, but it certainly was in London. And who knows, I might end up there again someday šŸ¤žšŸ¼

19/05/2026

Wealthy women stop trying to buy health insurance if, like me, youā€™re uninsurable.

So many women in midlife become uninsurable due to previous health conditions or if they can get health insurance itā€™s at extortionate monthly premiums and excludes the very illnesses that you need covered. If this is you, consider doing this instead.

I just had surgery and I didnā€™t claim a penny. Instead I have a Ā£25k medical emergency fund. This sits in a high interest savings account earning around 4%. Thatā€™s roughly Ā£1,000 a year in interest. And I spend every penny of that income on my health.

- Full bloods every year
- Full MRI body scan every two years.
- Any screening or specialist appointment I need (or want).

No GP referrals or fighting an insurer over whatā€™s covered.

Then when something happens like my recent surgery I dip into the fund. I pay for the care I want with the consultant I want. Then I top the fund back up.

The fact is that insurance companies donā€™t really want women over a certain age with any kind of medical history. The premiums are eye watering. The exclusions make most policies almost useless by the time you actually need them.

Stop fighting to get accepted. Build the fund instead.
It earns. It funds your prevention. Itā€™s there when you need it.

Save this for the next time someone tells you to just get private insurance.

Disclaimer: This is my personal experience and general information only. It is not financial, tax or medical advice. Interest rates change and are not guaranteed. Please speak to a qualified financial adviser and your GP before making decisions about your money or your health.

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