From the dishwasher to financial advisor career – 17 years in London. The story of Sebastian Fuz – City & Country Financial Services

Today’s guest is specialising in money management. He advises his clients on how to  manage mortgages, saving, investing, retirement or personal insurance. He was born in Poland but moved to London seventeen years ago. Our guest today is Sebastian Fuz – independent financial advisor running his own company City & Country Financial Services.

SEBASTIAN: Hi, Greg. Thank you, thank you very much for inviting me, welcome to the show. Thanks a lot for this opportunity. Thank you

GREG: Pleasure to have you! So, Sebastian obviously, you are very successful in your financial carrier, which began I originally thought that began in 2002, but actually turned out that was seventeen years ago…

SEBASTIAN: …well, just to clarify. The financial carrier actually started later than that. I arrived in UK in 1996, but I started trading as a mortgage insurance broker about six, seven years ago. There were some bits, which I was doing in my previous life in UK.

GREG: Yeah, I have just looked at your Linkedin Profile and it says that you began in 2008, when you graduated with the certificate in Mortgage and Insurance advice.

SEBASTIAN: Yeah, that’s correct

GREG: So, can you tell us about your background and how did you get started?

SEBASTIAN: Yeah, sure, sure. Well, I have done my school back in Poland, and it was my friend, his sister actually was in London here, so we thought it would be good idea, just to come and just to see, what this London is about? That was in 1996, and in April 1996, yes we packed our bag packs and we arrived here. We had the school, the English school booked, so we were coming here on a student visa and I suppose we liked it to the point that we have stayed since then and I have come across and I suppose we liked it that we have stayed since then. I have come across all sorts of different jobs, most of them have been of catering, I started from the very very bottom, at the…you know, I said it did say, on the Hull conference, I was never washing the dishes but I was polishing them. So it was I think, it was quite good, there was a guy next to me who was washing the dishes and I was just polishing them, so I was really really pleased with myself. I have done a bit of labouring job, as well on the building sites here and there, and everywhere, but I think the catering obviously was slightly less physical work, so I stuck to it for good six, seven years, if not longer and graduating from the guy who was polishing the dishes up to the restaurant manager…managing a fairly big restaurant in central London of around thirty, forty people at the peak, but again it wasn’t exactly what I had probably in plans in catering, despite it probably looks all nice, when you are walking between the tables, an smile to your clients, but it is quite tough, you are working in the evenings and so there was a plan for us, when I was with my fiancé then the wife now, to open possibly a place that the restaurant but again looking at all aspects of it and knowing from when I was employed, it wasn’t something really…

GREG: Sebastian, can I just stop you here for a second?

SEBASTIAN: Yeah

GREG: You mentioned 1996, and that’s very interesting because you were…how old were you then at that time?

SEBASTIAN: I was born in 1976, so that would make me just about twenty years old. 

GREG: Twenty years old! So you graduated from secondary school in Poland, right?

SEBASTIAN: I have done Liceum Ogólnokształcące

GREG: Ok

SEBASTIAN: Yeah, I have done that. I have tried to go to the higher education, but I didn’t manage to get a place initially, then I got the place, but in the meantime I have managed as well to work in a…for a bit about what eight, nine months in the Czech Republic on the Skoda Factory, which was my first properly send job. I was assembling cars…

GREG: That was my first car actually (Laugh)

SEBASTIAN: There you go, depend from which year, it might be me. I was assembling the…well I don’t know the name in English, the “deska rozdzielcza” , I was putting the thing out..

GREG: The dashboard right?

SEBASTIAN:  Yeah dashboard, I have been there for about nine, ten months and then yeah, I have saved up some money, and I thought, let’s go, try something new and I have travelled to UK

GREG: So what place did you come from in Poland? Which city?

SEBASTIAN: I am from Gliwice which is south of Poland, not far away from Katowice, Krakow kind of area.

GREG: Ok so you graduated from secondary school. You were planning to go to university, that didn’t work out.

SEBASTIAN: No

GREG: So you decided to go abroad, and the first choice was Czech Republic, so you were there. Why was that? Did you get any kind of proposition to go there or..?

SEBASTIAN: My father, there was at that time actually a lot of people, a lot of Poles working in Skoda factory, don’t ask me why but there was fair amount of them and my father used to work there, so yeah, he said look, there is an opportunity here to do a bit of work, it was well paid, at my age was then eighteen on nineteen years old, it was fairly well paid. I said ok, why not. So yeah, I did. I didn’t like that much beer that time but it was a good time, I appreciate it, that time. 

GREG: So you had “Złoty Bażant” every evening? (Laugh)

SEBASTIAN: Well, yeah, well I wish that’s the thing, I didn’t like the beer that much. So I didn’t use the Czech hospitality that much, but it has changed since then. So, whenever we go to Prague, with my wife or someone else, I definitely go for “Złoty Bażant” and some other good beers. So yeah, I have been there for nearly a year, I think, assembling the cars…

GREG: Ok, cool. So when you came from Czech Republic, when you went back home, what happened then?

SEBASTIAN: What happened then? I think I never really looked at the settling down in Poland. I don’t even know, why it was probably something about me, wanting to meet the world to go out there and do probably do something better for myself, not saying that Poland is bad in anyway shape or form. Don’t understand me wrong, it’s just that I never really could find probably space for myself. So yeah, we just bought a school with friend of mine, I think for three months in London, in Fulham area and yeah, we packed our bags and of went, in April there was I think, after the Easter break in April, 1996. 

GREG: Ok, have you spoken only English at that time?

SEBASTIAN: Yeah, we did speak English. I have passed my “matura”, which is A’ Levels? Yes, A’ levels in English, however again, you know, language there was completely different then language here, but I did speak, I could say sentences and I managed to speak we got to the border, I have managed to speak there, however we got mixed up a bit, so yeah I did speak English but not obviously as fluently as now.

GREG: Sure, but you weren’t scared of going to the UK, London and start studying?

SEBASTIAN: No, no, no, I think again because we are probably hungry for something new. No, no, it was fine and again, we were coming here to the school, which was three hours a day, five days a week, so fifteen hours at that time really, there was not many Polish on the streets of London, trust me. Whenever I did say, you know I am from Poland, you know and I was twenty years old, everybody looked with a big eyes, thinking what on earth are you doing here?

GREG: Yeah

SEBASTIAN: So you know, we picked up the language fairly quickly, especially because I was working at some point, I picked up a live-in position and I had literally not a single Polish person, who I could speak with for five, six, seven days sometimes, then phone calls, because I was planning a reception in a hotel, just talking in English to everybody. So, no, I wasn’t scared, I wasn’t scared of either thing, I wasn’t scared with English, I think you know, it’s just like the kids, the younger they are, the less scared they are. It was the same with me, probably at that age. No, I wasn’t scared. I just, you know, I just said, Ok let’s have a go 

GREG: It helps a lot, when you are surrounded by only English speaking people and you have no chance, you have no other opportunities, no other chances, yeah!

SEBASTIAN: Definitely, I think in terms of language, it definitely helped me, when I worked in this hotel, not far away from South Kensington, which was a live-in position in about twenty, twenty five rooms hotel so the hotel wasn’t massive, so every day, I would wake up, speak only English, my girlfriend at that time was Portuguese. So we spoke as well English, so yes, yeah it’s the Polish obviously, I am proud of speaking Polish and I think it’s still prefect, no problem with that but at some point yeah it was prolonged,pretty much couple of months, lots of English only at some point, yeah

GREG: Ok. I just want to go back a little bit again to where you were in Poland and you decided to go to the UK and I bet that was the financial aspect of it, which was the matter of course, because you had to pay for the visa, is that right?

SEBASTIAN: Neither thing, we had to pay for. No, I don’t think we had to pay for visa we had to pay for a course of English course. We purchased I think, three or six months of an English course here in UK.

GREG: And how expensive was it?

SEBASTIAN: How expensive? Again, they don’t quote me on that it was maybe around one thousand pounds

GREG: I am just trying to, I don’t mean the amounts, but I am just trying to find out, what were your thoughts about, was it risky investment, or was it like you were thinking, “wow this is a lot of ton of money for this course, I need to go and work hard” or whether that was something like “let’s try it!”

SEBASTIAN: I think it was more of the second one, I have got to say, that when I work in Czech Republic, don’t ask me why but we were earning quite decent money at that time. So the money which I have saved, just gave me enough to move forward with the second project. No, you know, you just take the life as it comes you know, I thought ok, well, the English language is definitely one which will be you know, of use at some point, I didn’t think, I would stay that long at that time. So I thought, Ok I will stay there for a year, maybe two years, I get my English from the source of the English, from England…

GREG: I see, I see

SEBASTIAN: Yeah, it was just, “let’s just get on with it”, you know to be honest. 

GREG: That’s good, you were comfortable with this…

SEBASTIAN: Yeah definitely and then you know, at that time, you know, you have no idea you know what there is really for you to worry about, there isn’t really any family, you have got to support, you know touch wood if the things wouldn’t work out, all you have to do is just have what was then 40-50 pounds to get your return tickets back to Poland, and you know, you are at your mums and dads accommodation. So, no it just took I think, fairly easily

GREG: Ok, so let’s now move forward in time and you have started to talk about some ideas for business you had with your fiancé

SEBASTIAN: Yeah, yeah

GREG: You were planning to open a restaurant. Can you talk about this?

SEBASTIAN: Yeah, yeah, sure! Again you know, going from I think the three, four years I had been spending on hotel, than I did a bit of travelling which was a great great time. I spend good six eight months abroad, all part of the world, mostly South East Asia, then coming back I have got again the job within the restaurant, and at that time I had already thinking, Ok well you know, the paid job is good but obviously it’s not my way of getting a better pay cheque if you do on your own, and not only that, it just gives you a lot of freedom, it’s not always about the money. So yeah, we started trying with this idea of opening the restaurant and we were very very close. We had already the place secured we already paid solicitors and so on but at some point, I do not remember now but it was something that just didn’t work out. There was I think, before we joined EU, before Poland joined EU so that must have been 2002-2003, around that time I think, and yeah it just didn’t work out at time.

GREG: So why? What were your thoughts, when you were thinking, well, you were still working for the hotel at that time, is that right?

SEBASTIAN: No, that was the restaurant

GREG: Oh, the restaurant, Ok. So you work at the restaurant and you thought “I can open my own restaurant”. Did you have, like a lot of savings on your account and you thought “well let’s do it, risk it, invest it” or you were looking for the other sources of financing or maybe you had different idea of how to work it out?

SEBASTIAN: No, I had some money, obviously. We were looking to leverage the business. So we were looking obviously for some money sources of funds, mostly from banks another forms of financing.  So yeah, but again yes, it would be I suppose quite risky but it was like “I have got some money, but a lot of it would be borrowed as well from here there and everywhere”.

GREG: Ok, and what was the idea? How big was the idea? Was it like a little restaurant, small restaurant, take away or like a large one?

SEBASTIAN: No, the one venue which we looked at was, if I remember well on top of my head was about thirty thirty five tables so I would say medium sized, it was on ground floor, and first floor. You know medium size I suppose with nearly seventy, eighty people could sit there. It’s not a café, it’s you know, more of a proper restaurant, that I would think, yeah

GREG: So what sort of food, you were planning to serve there?

SEBASTIAN: Well obviously yeah, we were trying with the idea at that time of the mingling with all sorts of people. That was at some point, a very good friend of mine, who was Italian, so we were thinking of may be combining some kind of Italian-Polish cuisine with vodkas in there

GREG: Alright

SEBASTIAN: And pizzas flying here there and everywhere, but I think that was discussed pretty much over the beer(laugh). That really, I don’t think it would took off, I think we would just eat pizzas, drink vodka but obviously being Polish there was always a feel that let’s go this theme, but you know, being in London, which I always appreciate and I am grateful that I have got the place here. It was always you know, to mingle with the locals so, you know so not only obviously for Polish but just cater for everybody pretty much.

GREG: Sure, when you were actually working for that restaurant and you were planning to open your restaurant, have you had the idea of leaving the job at a time?

SEBASTIAN: Oh, yeah for sure you know, You wouldn’t be able to do both, such a job at the same time. So we were obviously planning and doing the business plans and doing research and finding the places and talking with the suppliers, talking with the person who we were going to take a lease from, we were chatting, whilst we were working but should we finalize everything and get the key to the place, obviously the other business would be, I mean the other mind position would just have to go, there is no way, I could keep both work, as far as…

GREG: Of course and why it hasn’t worked out? Why it hasn’t worked? The plan.

SEBASTIAN: I can’t remember now exactly why. It was probably a bit too much I took on at that time because I was buying my first property here in London as well. I was opening the business, there was tough happening in my personal life, and it’s just everything probably just going a bit too much, to be honest with you but at that time, obviously I was really really gutted but as you grow older, we now say, everything happens for the reason and it did happen for a reason, we didn’t manage to open. I think, altogether it was just probably too much of the time, and it just worked out the way it did, yeah

GREG: Yeah, so what was your next step in this journey?

SEBASTIAN: Well I think, than I just let me think that was…I just continued to work in the restaurant. I kind of you know…because there was quite obviously stressful to put everything together. It took quite a few months for me, to get it all up and you know our running the business plans. I think I just took a bit easy for few months, for couple of even years or so and then again I started, looking what else there could be and then the idea of a finance, which was ever so interested to mee back even in Poland. I thought well that could be something, I could probably do in the future. So I took it a bit easier and then again the other light started flashing “ok, let’s do something if that didn’t work out, let’s do something else” and that’s pretty much started my financial carrier

GREG: Yes, so how did you came up with the idea of starting financial advisors group or business?

SEBASTIAN: Yeah, we were sitting with my fiancé, wife now and yeah we looked at the catering, ok well it was good but because of what mentioned…

GREG: Is she Portuguese, by the way?

SEBASTIAN: No, no, she is…that’s a funny one because well, she is Polish but she was born here, she was born here. So she doesn’t have actually Polish passport, so you know, it’s always difficult. So she is Polish, because she has got Polish parents, but she doesn’t have a Polish passport. She has got this UK passport, so she is British I suppose, in the legality of things

GREG: Ok

SEBASTIAN: No, I wasn’t with the Portuguese, my ex-partner, but yeah, we sat down with Magda and we thought ok, we probably…the catering is something which I cannot go on for until I am sixty or whatever. So let’s find another path and you know, we had the look here, there and everywhere and yeah, mortgage insurance business was quite good. It looked like something professional which I have always kind of liked, you know, at that time, the mortgage market was booming, it changed later on, but that’s another story. So, we though ok, let’s have a go at that. So yeah, I started actually I didn’t do much research. I think I put the training for the mortgage advisor or something in google the company came up and went for a course pretty much, yeah.

GREG: So you found them on the internet and just booked your place?

SEBASTIAN: Yeah, pretty much yeah. There wasn’t much research I think at that time, it wasn’t many of the training platforms who were doing this kind of training. So I did book my training with New Leaf and again you know, everything happens for a reason, we do co-operate with New Leaf until today, because I did pass the training with them and I am part of the network, which they are at this moment. So again been very very happy and then you know, it was a good luck that I have chosen them, then anybody else because the business relationship, it’s exceptional.

GREG: Sure, so you are lucky to find the right people

SEBASTIAN: Definitely, I think again in business you have to look at the right business partner. People who you feel comfortable to do business with. People who you feel comfortable to work with fun, you know, you spend most of the time with them. So yes, I was very lucky and now I am very privileged to be working alongside New Leaf.

GREG: I understand you work in the partnership with other people, and your business is a partnership or a company, is that right?

SEBASTIAN: Yeah, I tell you, how it happened. I have done my CMAP qualification, which is mortgage and insurance qualification, which allows me to advice on those products and at that time, I started to work on my own, under the umbrella of New Leaf. However there was another company and I was thinking to form my own company, with my own trading style, but I was in other who was kind of looking for people at that time, it wasn’t for partners, it was just for people, and yeah, I have had a chat with Leena, who was also on the Hull event and we had a good conversation and yeah I have joined up Citi&Country Financial Services and ever since it’s been…about five years I think now, five years I have become a partner in business and yeah it’s been very successful.

GREG: Cool!

SEBASTIAN: We have got a limited company, which we partners in and we are learning this for the last five, six years.

GREG: So you haven’t actually started this business from scratch. You had somebody who was running the business and you joined their forces. Is that the way we can describe it?

SEBASTIAN: No, I would actually say the opposite. I would still, that I have started from scratch, because my first clients, I was working on my own. So my first clients, I was running on my own, probably for good 4-5 months, doing that and only after I have joined up Leena and City&Country and again the company, which Leena had at that time, despite she was more experienced and more knowledge than myself, it wasn’t like you know, they would be giving you clients and everything. So pretty much, we were working, I started trading as Sebastian Fuz, on my own, getting my first clients and then when joining City&Country, it was still with City&Country but pretty much you know, you would start from the scratch, I would say, but definitely from the start.

GREG: Sure, sure, beautiful. So, talking about first clients, do you remember your first client?

SEBASTIAN: I remember my first clients, you never forget them.

GREG: So can you tell me, what were the feeling associated with the first client? How did you feel like, getting paid from your customer for the first time?

SEBASTIAN: Yeah, it was brilliant, I think. The first client, you like put in a cotton wool, because it’s your first client. So you know, you are doing everything like you know, it’s like a gold. So it was good, it’s was actually somebody, who I know, because the training from New Leaf which we got and the word started spreading, you know, via phone, via other means. So the first point of contacts were obviously, all the people who I knew, because you know, let’s face it, and again it’s not like a hard market, it’s just the matter of…I have called a lot of them and I said look, I have got the qualification if you know, anybody I can help or if you know, I can help you than just give me a shout, and that was the case. It was somebody, who I know. I know her on the personal and business basis, because she has been my client ever since. I know, it’s great, it’s great. It’s something you studied for, you have put lots of hard work and suddenly oh! There you go, the cheque is something. So yeah, the feeling is brilliant!

GREG: So how did you build your client database from there?

SEBASTIAN: My 90-95% of my time was spent on networking and that’s my personal opinion, this is at that time, was the best way to go forward.

GREG: And what do you mean networking? What do you actually do?

SEBASTIAN: Well you network, for last four five years I am member of BNI, Business Network International, huge multinational organization and despite everybody’s views on it, and everybody says this and that, about the BNI, I am a big advocate of BNI. They are got organization, but it’s not with any networking, you are not going to get your first client after your meeting, you have got to build up relationship, you have got to build up trust, and once you have got the trust, people get to know you, they will refer you clients. So yeah, I have now actually, as I am doing my end of year results, I have got to see but I would say, probably it’s still a good 60-70% of my clients, if not more, are from networking. So business networking, international, foreign networking, I was part of Chamber of Commerce, I did take part in certain Polish networking, here, there and everywhere, but I am saying that I wasn’t that much on the Polish market, to start with for the first 2-3 years. I was more everywhere but the Polish market as such, so yeah just networking really, you know. I would just go anywhere I could, which just allowed me to drink coffee and have a chat with people and show my business card. That what it was!

GREG: That’s cool advice, I think! Especially because nowadays a lot of people choose just to open their door for the clients and just sit there and just wait and probably put some banners or advertisement everywhere else and they just wait for the clients to arrive and they just don’t show up, which your approach is completely different, you just say go out there, show up, talk to people, have coffee with them, build relationships. Is that what you would advise people to do?

SEBASTIAN: Yeah, that’s pretty much what I see. Just have to extremely extremely proactive, and again what you said, it’s all good, but all of those things do cost money and obviously there is a financial element to it as well, when you start a business, unless you have got twenty, twenty five, thirty thousand pounds, which I didn’t have at that time. You just cannot afford to build a nice, posh website and you cannot afford to do lots of other stuff, so I am a true believer of yeah, building trust, going and seeing clients, drinking coffee. I mean, my business partner Leena, whenever she says what is that we do? We just keep saying, we drink coffee and that’s pretty much what it is, you know, we drink coffee constantly, you know. It’s probably a bad habit in a way, but it pays my beers… (Laugh)

GREG: This is what all, well most of people say about this people in offices like, “they only drink coffee all the time, and they don’t do any work” (Laugh)

SEBASTIAN: Yeah. Well, I suppose yeah, we have however we were very proactive, we were not office based at that time. I have done lots of miles I have been travelling around London on either my motor bike or in my car, meeting people everywhere and not only within London, we were going out as well, but yeah that’s what it is, you know, you just have to go out there, you chat to people, you speak to them, you offer the service and you know, if they like it, they trust you, they will business if not, then well you wish them all the best luck and you move on.

GREG: Cool, that’s great advice. Is any other advice that you would give to people who are just starting in their business?

SEBASTIAN: Well, there is a lot’s of those…there is lots of those. I don’t remember the exact who quoted this one, but this one which my mentors share with me. One of them says, “Be on time, do what you said, you would do and say thank you”, and to be honest with you, if you think about it, that’s how we were brought up. Being on time is the key. I try always to be on time to any appointment. I always do, what I said I would do. I think you build up being a reliable person, that’s what people say and just say thank you, at the end of it and it might sound like , “Oh well, it’s normal” but trust me, so many people, just don’t do it. I think it’s just going back to the very very basic, because the internet and some other media, people think that, Oh, everything going through those channels, but sometimes it’s good, we have done, we have done lots of…on this subject as well, but sometimes very honest conversations saying thank you, seeing a client, giving a smile and being on time, and doing what you said you would do, it’s just go miles, because then you  have asked as well about the…how I am getting my clients, obviously the networking is one part but then you start getting referrals, there is a certain point, when you have got X amount of clients, when people just start sending you other clients, because they like your advise.

GREG: So basically, you are highlighting importance of building the relationship with your client, rather just selling to service or product and say bye.

SEBASTIAN: Hundred percent, hundred percent

GREG: Yes

SEBASTIAN: People don’t buy the product people never buy the product people buy you. People buy you, because the person, who you are, you know. It’s they see, if they like, and they like you and you know, even trust me, I am not going to quote any research or anything. If I am slightly bit more expensive, and I know, sometimes I am, but they don’t like the other person, who is cheaper, they will still go with me and it’s not necessary just for my business. It’s a lot of time, people just buy people.

GREG: Sure, I like when you are saying that. I like this people just buying people. I think that’s one of these advices, we all should remember about. So, I have got just two more questions to you.

SEBASTIAN: Sure

GREG: And one of them is, maybe a difficult one but when you look at your business and all these past years, is there anything that you not necessarily regret but is anything that you would do differently now?

SEBASTIAN: Well, yeah. Probably one of those tricky questions that you know, again as I mentioned already, everything happens for reason, and yeah we had a lot of setbacks, we had lots of things, which possibly, we would have done differently, but I don’t think there is anything particular, which I said Ok, well I should this one there and there. I think, the most important is that you learn from your mistakes, you know. We all make mistakes it’s again not me who has come up with this. If one doesn’t make mistakes, usually they do nothing. So let just learn from it, let’s have a what they call it, there is a nice word, constructive criticism, have one of those on board and yeah, if you have done it wrong, you have done it wrong, you know, we are not perfect people. It’s not just…I don’t think to answer your question there would be lots of things which I would do differently, I am just pleased that where I am now, I have learnt from any mistakes which I have made

GREG: That’s cool! I think, I have read in a book somewhere that it’s just, as you just said that we need to learn from our mistakes. So when you were child and you are trying to ride a bike, you need to fall couple of times. You need to have some bruises and this is how you learn, without these you won’t be able to learn. If you are scared to sit on this bike for the first time, you won’t make any progress.

SEBASTIAN: I am hundred percent again with my mentors, they always kept saying, “Look Sebastian, if you do the first sale, it means that you can do sales, then you will do another one and another one and another one and another one and you reached the top of mountain and they will push you back, they will push you back, you will tumble, but the idea is exactly what you said, you have got to stand up and go again up the mountain, it’s because….let’s face it, it’s not easy to be self-employed, to run your own business, because we are now running our own business, so it’s a step forward from being self-employed, it’s not easy, but it’s very rewarding, yeah for us it’s brilliant.

GREG: Sure

SEBASTIAN: Yeah, you just have to stand up, and run again and go again, against the odds I suppose.

GREG: yeah, sure. You just mentioned your mentor, can you just tell us a little bit more about your mentors. Who is your mentor and how do you choose him?

SEBASTIAN: Yeah, we have got again people from within New Leaf, who have been very very successful in those fields. We have got one of them, is John Spence, Bob Spence, the other one is Mark Hopes, who has done a lot in the financial world, and yeah it’s…that’s why we are so privileged with New Leaf, because you know, we have got those numbers to those people, they lead us into the correct way. So, I think again, I have mentioned in the past, it’s ever so important to have somebody on your right hand side, your left hand side, whom you can just phone up and say, “Look, this is the thing, how would you approach it and how would you deal with it?”

GREG: So how do you find these people? Some people think well, how do you get mentor? Do you have to go and just find one, you pay him and that’s how he becomes your mentor or how do you find yours?

SEBASTIAN: Yeah, both of them, Mark Hopes is the CEO of New Leaf. So he is the managing director of New Leaf, the networking, which we belong to, and yeah, because we have been there for over so long and we are fairly good in what we do there, then he spends good quality time with us and he obviously gives us a lot of his time and Bob Spence, he is as well associated with, he works as a sales director for New Leaf and yeah, he helps us as well, but find those, so we were again privileged and I suppose you know people say, I suppose I can say I was lucky, but again my mentors say that the busier you are, the luckier you get. I suppose that has got something into it, that I was again very very lucky to get both of them, but how do you find it, it’s…yeah, I don’t know, sometimes they are just around you. You just have to ask the question, depending which business you are in, but just find somebody who knows, what they are doing and then lot of times, I have been…The other day, I have invited Mark Hopes exactly on the chat to one of the groups, which I belong to, and a lot of times, those successful people because usually you know, they are successful, the mentors in this way or another, the ego doesn’t allow them not to help you, because they want to help you and people want to help others, you know. If I ask you, Greg could you help me? I mean, what would be your answer?

GREG: Sure, I mean if you call me like a stranger, and I don’t know you, I will probably ask more questions, like “who are you?” but because we have this relationship, very short one, because we have just met. I have seen you on the stage, but we haven’t met there, but we have just met basically this morning, we had one conversation like couple of days ago, and we just builded this connection and we understand each other, so now whatever you ask me to do, I mean, yeah, sure!

SEBASTIAN: Yeah, and you are right obviously. You are not going to just call random people, asking for help but that’s again going back to the networking, which I am so big advocate of that you have to build relationship, you have got to build the trust and then you have to ask for help, but you know, generally when people ask for help they get it. It’s just again sometimes we just don’t ask, we just don’t ask, and yeah I would say that, yeah!

GREG: Yeah, so just get over your fear and just go and ask people for help and…

SEBASTIAN: Yeah, for sure, for sure, again, you know, it’s funny in this instance, when Mark Hopes was chatting to this room. There was about forty, fifty people and he was chatting and you know, he is very good speaker, he is very motivational, he even then and then said that like, “Look guys, you have got to ask those people to ask for help, to ask to sit down for lunch”. There was only one person and he was actually giving all those clues away, and it was actually only one person, who came after the event and told him “Mark, can we grab a lunch?” Guess what he said? He said, of course! You know, this guy he has made millions in his life, and it is not necessarily about the money but the knowledge and everything he has got within him. All this guy said was can I grab a lunch? Can I buy you a lunch? And Mark said, of course you can. It might be probably an expensive lunch in a restaurant, but…(Laugh)

GREG: Definitely worthy

SEBASTIAN: Yeah, definitely worthy, when you want to learn from such a people, so yeah, I think you are right, you just have to go against your fear, go out there ask the people the question and well, again there could be one or two, who would say no, no I am not going to do it for whatever reason but then probably, this is not the right person, this is not the right mentor for you.

GREG: Who are you happy to help, I mean, what kind of people you are actually serving now and helping?

SEBASTIAN: Well, you know, yeah, it’s one of those which we still probably working on it. It’s something which again, you know, media guru, whoever advertising, your company says your ideal client, who is your ideal client? And again you know, I have got clients from you know…well doctors, I have got solicitors, I have got book writers and I have got people, I have got very people who just do the normal job, which I used to do. So I would say, you know, anybody who I can help with a small conversation or you know, people who want to ask me question, if I can be of any help. That’s fine and to be honest with you, it’s not necessarily to do anything with my business. I am not saying, I am a huge motivational speaker, but whenever I can see an opportunity, I try to linkup with people. I was for example, the other day, being privileged to have this client, who is an engineer, however he is not been doing engineering work here. I know, the engineering groups here in London are linked up with one of my contacts and you know, ever since he got some guy nice hopefully next year, he will be starting his engineering work, which he started back in Poland and you know I am ever so pleased for him.

GREG: Sure

SEBASTIAN: And do I get any think out of it? No! I don’t. I just get a bit of, you know, yeah, he told me thank you, I said fine, not a problem look. So, I would say you know, I am fairly freely available anywhere. My e-mails, my phone numbers are out there. So if anybody wants to discuss anything, again I wouldn’t give recommendations, something I don’t feel comfortable with, but you know, if there is something in the subject, which I feel comfortable, yeah obviously I share my views with them and give them some advice.

GREG: Yeah, cool, so where is the place, that people can find you or contact you?

SEBASTIAN: Linkedin is probably the best place of contact (https://www.linkedin.com/in/sebastianfuz). I am fairly active there, so drop me an e-mail or just give me a call, but if I don’t pick up the phone, which is quite often because I have got clients here, there and everywhere doing lots of meeting, just leave me a message, I always return the calls within a day. So yeah, the phone or the Linkedin, I would say, would be the best place to get in touch. We also have a website http://www.candcfs.com.

GREG: And I understand, you are happy to do it, whether that’s English or Polish language

SEBASTIAN: Yeah, for sure for sure. Anybody again who is starting the business here. I think we should mingle with the community, we should really look at the whole picture don’t just you know, close our self within small cells of being Polish, or being Italian, being Spanish or so on. So yeah, no English, Polish…at some point we had eight or twelve languages spoken in our company. So there is a variety of other languages as well. Should people want to discuss, but yeah with myself both Polish and English

GREG: Fantastic! Fantastic! Sebastian, Thank you very much for your time today, I am so glad you had the time to talk to me and to our listeners and I think a lot of useful information a lot of good advice and your story is just is amazing that your seventeen years here and I wonder what people would say about this, I think we will have some common section underneath this material, so after they will listen to it, I am hoping to see what they say?

SEBASTIAN: Thanks Greg, thank you. I appreciate your time as well and opportunity. Yeah, thanks a lot.

GREG: Thank you very much.