Why It’s Never Too Late: Wealth Lessons from Felicia Flinders

When it comes to building wealth, many women can feel like they’ve missed the boat, especially if they’re juggling children, careers, or starting over later in life.

But Felicia Flinders, founder of Wealthways Ltd, is on a mission to change that. With over 25 years of experience in pensions, property, and investing, she’s proof that it’s never too late to take charge of your financial future.

Felicia sat down with us to share the lessons, myths, and personal stories that have shaped her approach to money. From growing a multi-million-pound property portfolio to demystifying pensions, here’s her powerful take on financial freedom.

Why pensions, property, and investing?

Felicia’s path is rooted in what she knows best; steps she’s taken herself to build lasting wealth.

“I spent my career managing pensions, working with companies like Aviva, Lloyd’s, and regulators like the PRA and FCA. On the property side, I grew my portfolio from just £10,000 to multi-millions. As for investing, well, if you have a pension, you’re already an investor. So why not learn the ropes properly?”

It’s this real-world, tried-and-tested knowledge that fuels Wealthways today.

What reviewing mis-sold pensions taught her about women’s financial challenges

For three years, Felicia specialised in reviewing mis-sold pensions, helping people get back to where they should’ve been financially.

“One of the biggest takeaways? Many women don’t realise you can still pay into a pension even if you’re not working. A mum at home can contribute up to £2,880 a year and still get a top-up from the government, taking it to £3,600. That’s money on the table most people don’t even know is there.”

The biggest pension myth, and why tax relief matters

So many people see pensions as a waste of time, or simply don’t trust them. Felicia is passionate about setting the record straight.

“Please, please don’t leave money on the table. That tax relief is yours anyway, it’s your hard-earned tax being redirected back to your future. Grab it.”

Supporting women at every stage of life

Whether it’s young professionals, single mums, or women thinking about retirement, Felicia believes financial education is the cornerstone.

“It’s about raising awareness and taking control. My own mum didn’t. She sacrificed everything for her kids, and by God’s grace I took it upon myself to focus on money so I could help her later.

I always say: don’t leave it to chance. Do both, put your life jacket on and support your kids. Then pass that education down.”

The money lesson from her mum, and the one she let go of

Felicia’s mum instilled a clear message: be financially free, create your own wealth.

“She supported me endlessly, looked after my kids so I could build. We worked together as a family to create wealth. But I also learned to let go of fear and embrace the idea that money is a tool, not something to grip tightly.”

The mindset shift from corporate to entrepreneur

Felicia didn’t just leap. She prepared.

“I always had multiple streams of income alongside my 9-5. Professional exams to increase my value, property investments, tutoring. That gave me the confidence and cushion to step out on my own.”

Too late in your 50s? Absolutely not.

Felicia lights up when asked what she’d tell a woman in her 50s’ who thinks it’s too late.

“It’s never too late. If you’ve got 15 focused years ahead, your kids are grown, you can redirect your funds toward retirement. Get educated, engage, follow channels like mine, ask questions.”

Why financial language feels so unwelcoming, and how she changes that

Many say Felicia makes money talk simple. That’s no accident.

“I imagine I’m talking to my mum, a Nigerian nurse, finance wasn’t her thing. Or my kids—they’re not interested! Finance can be intentionally opaque. But I was blessed to work and qualify in one of the toughest fields, and now I use that to teach others and make it relatable.”

How Felicia defines “enough”

For Felicia, it was never about chasing millions.

“I wanted financial peace for my mum and kids. Wealth became a by-product. Once you understand compounding, you know that if you get to, say, £3 million in property, time does the rest.”

One small step any woman can take today

Felicia’s best advice?

“Shift your mindset. Wealth is for everyone. Get educated. Follow people who know what they’re talking about. Remember, money is a tool to bring financial peace. Don’t be afraid of it. Let it flow.”

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