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Not every valuable employee is the loudest person in the room.In business, it’s easy to notice the people who speak up, ...
18/10/2026

Not every valuable employee is the loudest person in the room.

In business, it’s easy to notice the people who speak up, take charge or regularly share their achievements.

But some of your most valuable team members contribute quietly.

They follow through, support colleagues and notice details others might miss.

As a business owner, consider:

• Who consistently delivers without needing recognition?
• Are quieter employees given opportunities to contribute ideas?
• Do you recognise reliability as well as visible achievements?
• Are you making time to understand individual strengths?

Good leadership means recognising contributions, not just personalities.

Sometimes, the people making the biggest difference aren't the ones asking for attention.

Who deserves a little more recognition in your team?

Fun fact: Replacing a good employee costs more than another recruitment ad.When someone leaves, recruitment is only one ...
15/10/2026

Fun fact: Replacing a good employee costs more than another recruitment ad.

When someone leaves, recruitment is only one part of the cost.

There can also be time spent:

• Interviewing
• Onboarding
• Training
• Rebuilding knowledge
• Getting productivity back to where it was

That makes retention worth understanding before there’s a resignation letter on the desk.

Consider:

• Why do good people choose to stay?
• Are expectations and career opportunities clear?
• How regularly is useful feedback given?
• Is strong performance recognised?

Not every departure can or should be prevented.

But keeping good people can be just as commercially important as finding new ones.

What makes your best employees want to stay?

Every business has rules nobody remembers creating.“We’ve always done it this way.”“We only offer that to certain client...
14/10/2026

Every business has rules nobody remembers creating.

“We’ve always done it this way.”

“We only offer that to certain clients.”

“That meeting has always been on Monday.”

Over time, habits can quietly become rules, even when the original reason for them no longer exists.

So pick one established practice in your business and ask:

• Why do we do it this way?
• Does the original reason still apply?
• Who benefits from keeping it?
• What would happen if we changed it?

Some old rules exist for very good reasons.

Others simply survived because nobody stopped to question them.

You don’t need to reinvent the business.

Sometimes, simply asking “Why?” is enough to uncover a better way.

One overlooked form of wealth is having the freedom to change direction.Wealth is often measured by what you own.But fin...
13/10/2026

One overlooked form of wealth is having the freedom to change direction.

Wealth is often measured by what you own.

But financial flexibility can be valuable too.

Having fewer financial commitments and more choices may make it easier to:

• Change careers
• Reduce working hours
• Pursue an opportunity
• Deal with the unexpected

Consider what creates flexibility for you:

• Manageable personal debt
• Access to appropriate liquid funds
• Sustainable ongoing commitments
• Assets and income that aren’t dependent on one source

The goal isn’t necessarily to avoid commitments.

It’s to understand how today’s financial decisions can affect tomorrow’s choices.

Sometimes wealth is simply being able to say:

“I have options.”

13/10/2026

Cyber security for business

That client gift may be a business expense, but the tax treatment isn’t always straightforward.Gifts can be a thoughtful...
12/10/2026

That client gift may be a business expense, but the tax treatment isn’t always straightforward.

Gifts can be a thoughtful way to thank clients, employees or business contacts, particularly as the end of the year approaches.

But don’t assume every gift receives the same tax treatment.

The outcome may depend on what you provide, who receives it and the circumstances.

Before purchasing gifts:

• Keep clear records of what was purchased
• Record who received it
• Consider whether entertainment is involved
• Check the tax and GST treatment if you’re uncertain

A genuine business expense doesn’t automatically mean the same tax outcome in every situation.

Planning your end-of-year gifts?

Confirm the tax treatment with your tax adviser before you buy.

You don’t need everyone to agree with you to lead well.Healthy disagreement can be useful in business.If everyone automa...
11/10/2026

You don’t need everyone to agree with you to lead well.

Healthy disagreement can be useful in business.

If everyone automatically agrees with the owner, good ideas and genuine concerns can stay hidden.

The challenge is creating space for different views without letting every discussion become a debate.

A few habits can help:

• Ask for opinions before sharing your own
• Make it safe to respectfully challenge an idea
• Separate disagreement from disrespect
• Once a decision is made, be clear about the direction

Strong leadership isn’t about winning every discussion.

Sometimes, the person who sees things differently is showing you something you’ve missed.

Does your team feel comfortable disagreeing with you?

09/10/2026

Are you running a business or have investments in Trusts?

Fun fact: Your highest-spending customer isn’t necessarily your most valuable one.Revenue is easy to see.But the effort ...
08/10/2026

Fun fact: Your highest-spending customer isn’t necessarily your most valuable one.

Revenue is easy to see.

But the effort and cost required to win and keep that revenue can be much less obvious.

One customer might spend more but require heavy marketing, extra support, or frequent additional work.

Another might stay for years, pay consistently, and regularly refer others.

When thinking about customer value, consider:

• What it costs to acquire them
• How long they typically stay
• The resources required to service them
• Whether they generate repeat or referral business

The biggest invoice doesn’t always tell the full story.

Understanding customer value can help you make better decisions about where your time, resources, and marketing effort are best spent.

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