Chris Budd founded the independent financial planning company Ovation Finance in 2000, before selling a majority stake to an Employee Ownership Trust in March 2018. His consultancy, The Eternal Business, helps business owners decide if selling to an Employee Ownership Trust might be their own succession plan. Chris also writes The Financial Wellbeing Podcast. He founded the Initiative for Financial Wellbeing (IFW) and is currently its Chair. The IFW aims to help advisers to help their clients become happier, not just wealthier. Chris is the author of four books, including ‘The Financial Wellbeing Book’, which is about money and happiness.