“Hi Ben, I’m about to sell my business after building it for the last 10 years.  I’ll probably pocket $5M from the transaction (woo-freaking-hoo!).  How do I keep the tax man’s sticky little hands off my gains? Please help…”

Ben:  First of all congratulations.  Wow!

So, broadly speaking you’re looking to make capital gains or a sale of business assets or investment assets and just like any Australian, your intention is not to pay any more taxes than is needed on the gain on those when you do sell them.

Great question.

There’s three main ways, or tax concessions, I see to pay little, less or no tax:

  1. The General 50% CGT Discount;
  2. paying 0% tax in your superannuation fund; and
  3. the Small Business CGT concessions.
What is CGT?

‘CGT’ is ‘capital gains tax’.

Basically, that’s the tax that you pay when you sell an asset like a house, or business, or a portfolio of shares and you make a gain.

You buy a house for $500k, you sell it for $600k – that means you’ve made a ‘capital gain’ of $100k.


Tax might be up to $47,000.

The tax you pay on that capital gain depends on who owned the asset, and any concessions or exemptions you may be eligible for.

You pay CGT on gains you make on things like investment properties, business sales, sale of shares, managed funds (there’s more, but that’s an example).


The “General 50% CGT discount”

There is a ‘general discount’ for Capital Gains Tax.

This is available is assets are owned by individuals (people) or trusts (like family trusts, discretionary trusts or even Self Managed Super Funds are classed as a type of trusts – although Super Funds only get 33% discount, not 50%).

The general discount allows an individual or a trust a 50% discount on the tax they pay on their capital gain, so long as they’ve held an asset for more than 12 months.

You buy the same house above in January – then you sell in February the following year (13 months later), still making the same $100k capital gain.

The 50% discount means that you’ll only pay tax on 50% of the gain, or only tax on $50k.

Tax has now halved, and you may pay up to $23,500.

Good stuff!


Paying 0% on Capital Gains made in Super

So in your superannuation fund, when you’re drawing a pension, the ATO gives you a tax break.

If you’re over the age of 60 and drawing a pension from your super balance (Note: not the transition to a retirement pension), then that tax rate is currently 0% on any income including capital gains.  You need to be 60 years old, and your pension balance is taxed at 0%.  (There are also other requirements and maximum balances too.)

So, say for instance that today you were to buy a commercial property that your business was renting. You do that through your self managed super fund, or SMSF.

Now, if you held onto that investment until you were 60 years old, and you were drawing down a pension at the time, then any gain on sale of that asset would be taxed at 0%. (This would be assuming your SMSF was 100% pension in your name – or other members also over 60 drawing a pension.)

Let’s put some numbers behind that.

Say you buy a commercial property worth 1 million dollars today, then 30 years later you sell that for 3 million dollars. So you’ve made a 2 million dollar capital gain.

Now, outside of super, if you purchased it in your own name you’d be up for quite a bit of tax, rough numbers $470k in tax.

But if you held the property inside your self managed super fund, you’d pay 0% and $0 in tax. (Again assuming you were 60 years or more, drawing a pension.)

That transaction would save you hundreds of thousands of dollars in tax by careful structuring.

Now, that applies to other investments like a residential investment property sale. Same with shares that you own in listed companies or other people’s businesses. So it’s pretty significant.

It’s like you’re having your own legal tax haven in Australia.

So, that’s the superannuation pathway of paying no tax on sale of assets.


Small Business CGT Concessions

Now, I mentioned at the start the small business capital gains tax exemptions were the other option.

This one applies to capital gains made from selling all or part of a business.

There’s also 4 concessions that are available for small businesses – so they’re pretty powerful tax saving strategies!

The four concessions are:

  1. 15 year exemption
  2. 50% active asset reduction
  3. Retirement exemption
  4. Rollover

The great thing about the concessions is that you can apply multiple concessions on the same transaction or ‘sale’.


Eligibility for Small Business CGT Concessions

Now, first we need to make sure that you’re eligible for those exemptions, and there’s three main tests that are looked at.

The first test is ‘does your business and any connected businesses turn over in total less than 2 million dollars in sales’. That would look at any connected entities. So, if you’re into two businesses, you need to make sure that turnover of total annual sales does not exceed 2 million dollars. If it does exceed that, all is not lost.

The second test is that you hold an asset as an investment (like a property), and it’s used in a ‘small business’ of a connected entity.  Note: this one is not available to property held by Self Managed Super Funds.

The third test, and I would say the most heavily relied on, is the ‘$6M net assets’ test.  This says the business owner selling the business has to have less than $6M in business and investment assets, less any debt (and not including some assets such as the family home or your superannuation).

So let’s say the business owner has $10M of assets – including debt of $3M, superannuation of $1M and a family home of $1M. Rough figures, the business owner would have $5M in net assets under this test, and be eligible for the concessions.


Running the numbers on the concessions

Let’s assume for all four concessions that we have a business sale of $1M. And you started it from scratch 16 years ago, so there was no original cost for you buying the business.

That means you have a capital gain of $1M, and without the concessions, assuming you held it through a trust or individually, you’d pay upwards of $235,000 in tax on that sale. ($1M x 47% tax rate x 50% general CGT discount.)

I might just mention as well those small business CGT concessions are only for business assets, they’re not for passive investment assets like listed shares or residential rental properties – but it can include commercial property that was used in the running of your business, unless held by an SMSF.

Let’s look at the concessions now.


15 year exemption

The first of the four concessions is the ‘BIG KAHUNA’!

This exemption says if you have been running the business for more that 15 years, and you’re over 55 years of age and are retiring, you can disregard the capital gain COMPLETELY!

$1M gain.

$0 tax.

No tricks!


50% active asset reduction

Under this exemption, you get an additional 50% discount on top of your first 50% general CGT discount.

So you’d pay upwards of $117,500 in tax. ($1M x 50% x 50% = $250,000 x 47% tax)

Still a fair bit, but less than $235k!


Retirement exemption

This allows you to disregard a capital gain of up to $500k in value over your lifetime.

Now if you’re under 55 years old at the time, the money you disregard has to be put into super.

If you’re over 55, there is no requirement to put it into super.

The good thing about this is that you can apply the other reductions or concessions first.

$1,000,000 gain x 50% general discount x 50% Active Asset reduction = $250,000 gain.

If you’re under 55 years old and put the remaining $250,000 into your super fund, then you pay $0 in tax personally!



Now, the next one is the rollover relief. I’ve actually used this myself personally.

What it says is if you sell a business asset, then you can elect to rollover the money that you received from that to buy another asset, and you’ve got up to two years to do that.

So, if you receive $1,000,000 from a sale of a business, you can apply the 50% general discount, then the 50% active asset reduction. So you’ve got $250,000 in capital gain left.

You can then buy a $250,000 replacement asset (must be a business or an asset used in business) within two years and pay no tax!


Wrap up

Now, I think that wraps up the three main things that come to mind when you’re looking to pay as least tax as possible on business and investment gains.

Keep in mind I’ve skimmed over reams of pages of legislation here and wrote it based on today’s rules.

So this is very general help and we always say get personalised advice before planning or going through any big transactions like this.  If you mess these up, it may cost you $100’s of thousands in tax that you didn’t expect to pay.  So don’t say I didn’t warn you to get the advice!


Hope that was helpful.

You’ll be able to ask me any tax question you like at the upcoming 12 Tax Saving Strategies Workshop | BNE, SYD & MEL.  You can get a ticket at no cost as my guest.

Click here to download






In the lead-up to the busiest time of the year, if you’re an accountant, we have been putting a significant amount of time, energy and resources into… chilling out.  Yes, holidays, time out from the business, cultural immersion, all of that.  Some would simply say, “half your luck” and leave it at that.  Some would say, “awesome, have a good one” and wonder how we do it.  Yet others might say, “with everything you guys have going on (aiming to save your clients $1million in tax, planning, end of financial year…), I don’t know guys, have you really thought this through?”  Well the answer is yes.

One of the main reasons we committed to taking time away from the business is precisely because we business owners thought it through.  As we see it, and we’re certainly not alone, there are at least a dozen compelling reasons to get away for an extended period of time, let’s run with our top 6:


We trust our team, we trust our systems.  We give ourselves a solid 5/10 for saying it and a bonus point for actually writing it down.  That’s good, but to be great you must actually demonstrate it.  Leaving the team to their own devices and our carefully calibrated systems ticks that box – and they will be/are better for it. 10/10 – much more like it.


Knowing is better than guessing.  Always has been, always will be.  The final step before giving any product, service or even “way of working” is the old stress test or live test.  This is where systems are tested in a live or near live environment.  They are pushed and a number of different and sometimes unreasonable scenarios are thrown at them, just to see if they’ll hold up.  When they do and all is well, you’re ready to (yes!) go on holiday.  After all, when you know you’ve worked hard and got something right, take advantage.


This is an easy one.  We’ve all heard about the dangers or at least the disadvantages of operating down in the weeds for extended periods of time.  One of those is the inability to see the opportunities for the issues.  Time (right) away from the business allows you to think about it more objectively.  Solutions to issues and dilemmas that you were just too close to back home, may now seem more clear-cut, accessible.  That’s perspective working in your favour.


I’ve just got to get away and clear my head”.  You hear that so much in movies nowadays that it’s almost a cliché.  Funny thing about that – clichés are usually based on an element of truth.  Your mind may well have a load limit and without taking time to “clear your head”, you may not have room to manoeuvre around the big issues and formulate solutions.  Clarity, work for it and it will work for you.


Placing yourself outside your normal workaday environment is necessary and useful but it can also open up new opportunities.  We have to be careful here because you’re on holiday to holiday, not to mine for new business.  That said, many a poolside conversation has opened many a door and it’s not unusual for business introductions to open with, “this is [insert name], we met last year in [insert holiday destination].”  Don’t go looking for it, enjoy your holiday.  Yet at the same time, understand that sometimes, opportunity knocks on the door of your beachside cabin too.

You deserve it and so do they

Always, always, ALWAYS remember why you decided to own your own small business.  It’s a way to enjoy more time and happiness with your family.  Yes, money is the vehicle but the reason surely is family first.  You’ve worked hard, you approached your business the right way and you’ve paid everyone that needs to be paid.  Don’t neglect yourself and your family at the bottom of that list.

There are other reasons too, but this should be enough to persuade you to get online, scroll through some holiday packages and make some plans.
Bon voyage!

The key to success is to work hard, we’re told.  But they’re only telling us half the story.  The often quoted saying should be amended to “the key to success is to work hard for a while and then enjoy the results.”

If you set sail on the dream of providing for your family through small business ownership and all you packed was the ability to work hard and keep working hard, you may be sailing towards frustrating and stormy waters.   And I say that because I don’t believe the saying, “hard work is its own reward” should apply to what we do.  A suitable reward for what we do is a decent amount of time enjoying the fruits of our labour with our family in a home very much like the one we always wanted.  Put simply, you can’t feed your family with compliments about how long you can “stick with it”, how much toil you can endure, how much of your weekends you are willing to sacrifice on a regular basis.

Your family has everything and nothing to do with your business

We talk about the idea of owning a “Cashed Up Business” quite a lot.  But to be crystal clear, we’re not talking about trading the life you should be living for cold hard cash.  Your family time should never form any part of a business transaction or requirement.  That’s yours, it’s sacrosanct and precious.

But sadly, it’s becoming easier is to get caught up in various versions of “work hard, play hard” and “I’ll sleep when I’m dead”.  After all, there are few better feelings than knowing you are working tirelessly for your family and providing them a good life.  Too often though, it comes at the heavy, heavy price of togetherness and a balanced lifestyle.

This may sound extreme and even out of reach for those already living within a cycle of long hours during the week, weekend admin tasks and very little sleep.  But what’s the alternative?  There has to be one because “no one ever laid on their deathbed wishing they had spent more time at the office.”  No one!


Challenge yourself to chop your working hours in half

And here’s a bold and confronting challenge that I also like because attempting it will force a change of thinking.  Cut your work time by 50%.  What? Not possible?  Take a long hard look at your work week as it currently stands.  While you’re visualising that, please seriously consider the following questions and answer them honestly:

  • Are you busy doing tasks you could pay someone else to do at a fraction of what your time is worth?
  • What percentage of your time are you spending working in your business as opposed to “on” it?  I know this gets thrown at you a lot but I’m asking you to think about the actual percentage split. 60/40?  70/30 in favour of operational tasks?
  • Are you able to fully “switch off” from work when you’re back spending time with your family?
  • Do you have documented processes and procedures?  This enable your people to take over operations with no drop off in customer/client service should you decide to take off with the family for a few weeks.

Running a truly “Cashed Up Business” according to the definition that we are comfortable with is all about enhancing the lifestyle you currently have and bringing the dream closer to reality.  This can happen for you and we would love to talk with you about the “how”.

If you can’t tell someone in two sentences what you do and why, your business is in trouble or heading that way.  Sure you may have a solid business structure, you’ve minimised your tax and things might be going well but your sales and/or service pipeline is kept full by a fuel called purpose.  Purpose is not something that your business should stumble upon along its journey.  Purpose is not something that you should rely on appearing to you in a dream sometime during your second year of business and suddenly turning things around if times are tough.  Purpose needs to be there with you right from the very beginning or things could come to an abrupt end.

There are a lot of books about finding your purpose in business and life but I think for the small business owner with a family to provide for, it’s important to understand how purpose helps businesses.


Returning to base to refuel is vital

Yes it is.  But you have to make sure you have a base first.  Starting off with a clear vision of what you are going to achieve, with what, why and by when, is a great first step in any business venture.  Especially, when compared to vague launch ideas like, “I want to open a bakery, I love bread so here’s some cash, let’s get started.”  Disaster waiting to happen.

When things get complicated, and in small business they will from time to time, nothing shines through the mists of confusion and distraction like your original, clear purpose.  Your why.  Getting back to your why, refreshes you, refocuses your efforts and clears a path forward.


Helps you steer clear of expensive distractions

Pouring your energy and effort into your original intent in the right way is time and money well spent.  We find that some small businesses try to get too big too fast or get distracted by opportunities to diversify before they are properly established.  Succumbing to anything that tempts you away from fulfilling your original intent will end up costing you – time, money and family time.

Tip:  keep your original statement of intent or vision, mission and values displayed throughout your workplace as a reminder of why you’re there and what you’re doing.  Anything that doesn’t get you closer to achieving that purpose qualifies as a distraction.  Avoid it.


Focuses your team on operations so you can focus on the business

As mentioned throughout other blogs, you cannot do this on your own – not for the long term anyway.  You’re going to need help but as they say in the classics, you’re going to have to help them, help you.  If you work to:

  • clarify your original purpose,
  • document your processes and
  • ensure everyone knows the path your business is on

…you will enable and empower others to look after the operational side of your business while you drive the vision.  A vision that hopefully sees you drawing more money, time with family and happiness from a business you started or bought, for that very purpose.

Just like any good business or even a studious school kid, our government works to a budget.  They look at the income and outgoings of our great land and even come up with a magic number of sorts to plan and allocate spend on roads, schools, health… helicopter rides (maybe).  The fact is that they know, more or less, what they should be collecting from you but if you pay extra tax, at best it’s looked at as a short term loan but usually it’s a hefty tip.  Thanks!

Tipping in restaurants, cafes and diners is not the institution in Australia it is in say, the United States of America.  But even so, a tip may be given as a thanks or gratuity for exceptional service – going above and beyond.  Again, here in Australia it’s not compulsory, not even close.

So why are you leaving such a generous tip for the government?

We know, for a FACT, that some of our clients have, in the past, paid 20, 30K, $40K more tax than they needed to which seems… excessive.  Did they mean to do it?  Does anybody.  Here at Inspire we’re here to ensure you pay the correct amount of tax and eradicate “accidental” tipping.

If you have a burning desire to contribute more tax than you need to, go ahead, but do it on purpose.  Otherwise, you’re just taking food off the family table, in both a figurative and literal sense.

Let’s look at some of the ways business owners like you inadvertently pay more tax than you need to and yes, it’s very easy to do.  Especially, if your area of expertise lies outside accounting.

Paying tax on a promise – you haven’t received payment yet but you know the cheque’s in the mail so you go ahead and pay the tax…  We covered this in a facebook live session today. Catch up here.
Focusing on the specials and forgetting about when the best time would be to make a purchase according to the calendar.  Next Wednesday people, see you on facebook
Operating under the wrong business structure for you.  This… can… cost… you… thousands.  See you in a fortnight on facebook.

As you know, our goal is to save our clients a cumulative $1m in tips tax.  Why don’t you head over to our facebook page and see how we’re going, how we’re doing it and most importantly, how we can get it done for you!


Make Additional Super Contributions to reduce your tax

How does this strategy work?

You may be aware that superannuation is the best investment vehicle for tax purposes out there.
It’s also easy to put this in the back of your mind for a number of reasons.

You might think:

1) “I can’t touch it now, so why bother…”

2) “There’s hardly anything in there, so I’m going to concentrate on making money in my business.”

3) “The laws change every five minutes, I’d rather not worry about it.”

But while those thoughts may have an element of truth, there are some very effective ways to incorporate your superannuation into a broader wealth creation and tax planning strategy.

For instance, you can:

1) Use your superannuation to purchase your business premises, even if you don’t have the full amount in super

2) Pay 15% tax on earnings on your superannuation if you’re accumulating a balance.

3) Pay 0% tax on earnings if you’re drawing a pension (with conditions, if you’re over 55).


So here’s how the numbers would crunch.

The example we’ll use is where your taxable income is $200,000.


Option 1 (Without Tax Planning):  Pay in your own name

The tax rate in your own name would be at individual rates, of up to 47%.  

So you’d be up for $67,547 Tax.



Option 2 (With Tax Planning):  Contribute $22,000 to Super prior to 30 June.

Your taxable income would reduce to $178,000.

By contributing $22,000 to super prior to 30 June you’d save $7,040 in tax, when compared to paying in your own name.

What do you need to implement this strategy to make additional super contributions?

  • A Business.
  • Cashflow available put into super.
  • A chat with an Inspire Chartered Accountant – www.calendly.com/inspireca.
  • To take action prior to 30 June.


FAQ’s: Super contributions to reduce tax.

Do I ever get taxed on money in Super?  If so, when?

Yes, you get taxed at 15% in super for everything you contribute and claim a tax deduction for.

This 15% is paid by your super fund when they lodged the tax return (if you own an SMSF); or the tax is taken straight from your balance when you deposit it if you are using a public super fund.


Is there a limit as to how much I can put into super?

Yes, there sure is.

The limit is $30,000 if you’re 48 years old or younger.

And $35,000 if you’re 49 years, plus.

The limits are a lot higher (up to $540,000) if you’re making the contributions from after tax money.

What happens if I don’t have the cashflow to put into super?

To get the tax deduction, the super needs to be paid by 30 June of the year.

Make Additional Super Contributions now before your opportunity is missed for another year.

If I have many family members, can we pool our Super limits?

A super limit is per person.

And yes, you can contribute the $30,000 or $35,000 for each person.  It will end up in their own super account, though, so for instance, you cannot ‘borrow’ a super limit from another family member and pay yourself $40,000 instead of $35,000.



NEXT STEPS:  You can book in a Quick 10 Min Chat here with an Inspire Chartered Accountant to talk about Tax Saving Strategies that will work for you.



Ben Walker of Inspire SMSFS Pty Ltd (1243433) is an authorised representative of Finance Wise Global Securities Pty Ltd ABN 60 146 708 045.  Finance Wise Global Securities Pty Ltd holds an Australian Financial Services License (No. 397877).

write off bad debts

Write Off Bad Debts

How does this strategy work?

Let’s say you are a plumber, and builders are your clients.

You send them invoices regularly for your work.

Sometimes they pay.

Sometimes they don’t.

There always seems to be a dispute.

Let’s say for a $1,000 invoice you send, the builder pays $800 but refuses to pay the last $200.

He claims your guy never showed up on that day (even though he did!)

So you chase up the $200.  You ring, you sms, you email, you knock on doors, you send ‘the boys’ around.

Nothing.  Zip. Zilch. Nada.

The $200 sits on your Debtors Ledger aka “Your list of people who owe you money!”.

The $200 becomes BAD…

No, the debt didn’t grow a beard, nor did it start wearing a black leather jacket and start smoking.

It’s BAD because it’s likely you’ll never get it back!

You’ll probably spend more than $200 just chasing the damn thing.

Same principle applies if the builder went bust.

It’s bad.

While $200 doesn’t sound like a lot, this scenario is pretty common in the Building Industry.

This scenario needs to happen just a few times over a couple of years and you’ve built up a WHOPPING $12,000 in Bad Debt.

So here’s how the numbers would crunch.

The example we’ll use is where your taxable income is $200,000.

Option 1 (Without Tax Planning):  Pay in your own name

The tax rate in your own name would be at individual rates, of up to 47%.  

So you’d be up for $67,547 Tax.


Option 2 (With Tax Planning):  Write off $12,000 worth of bad debt.

Your taxable income would reduce to $188,000.

By writing off $12,000 of Bad Debt, you’d save $5,640 in tax, when compared to paying in your own name.

What do you need to implement this strategy?

  • A Business.
  • Bad Debt
  • Evidence of your attempts to recover – emails, phone calls, death threat letters (complete with cut out magazine letters)
  • Evidence of your decision to write the Bad Debt off – a meeting minute will do.
  • A chat with an Inspire Chartered Accountant – www.calendly.com/inspireca.
  • To take action prior to 30 June.

FAQ’s: Write Off Bad Debts.

What happens if I write off a Bad Debt and then it gets paid back?

While this situation should be rare if you’ve written off the bad debt, you’ll need to add it to your profit in the year that it was paid to you.

How do I avoid Bad Debt in the first place?

Change your business model, so you receive the cash before you carry out the work!

Have a read of the article we wrote on this called  “How to get paid faster – step 2 of 5 ways to make your business work for YOU!”

Is there a limit on the Bad Debt that I can write off?


If a debt is bad, it’s bad!

Let’s write off bad debts and move on.

When does a Bad Debt become Bad?

While it isn’t definitive, here’s some considerations:

  • Must not have a chance of receiving the money
  • Must have proof of following up and doing what you can to recover the amount, even though unsuccessfully
  • You MUST have considered the debt Bad, before 30 June of the year you write it off

Bad Debt and Debtors are affecting my cashflow, what advice would you give?

This signals that something isn’t right in your business.

It could be your:

  • Pricing strategy
  • Quality of your product or service
  • Clients you’re choosing to work with
  • When you take payment for your services

But something is out of kilter.


  • Book in a Quick 10 Min Chat here with an Inspire Chartered Accountant to talk about Tax Saving Strategies that will work for you.
  • Attend our Cash Rich Business Workshop where we will spend 2 hours walking you through the exact step by step process to become a far more profitable business than you currently are. https://inspireca.com/events

“What you are [going] to be, you are now becoming”

After our first few months out and about, we’ve seen some HUGE potential to lead our clients and future clients to the next level!  The current “economic climate” has presented its challenges to quite a lot of businesses, but our question is – what can YOU do to change that?  How do you CREATE the environment in which you can bring YOUR dream into REALITY?

At Inspire CA, we have recently implemented Verne Harnish’s ‘Quarterly Themes’.  In summary, these themes are used to get the whole firm on the same page and focused on our quarterly targets.  To kick off the first 90 days, our theme is ‘Seed or Tree’.  As we have launched Inspire CA in the early part of 2013, we thought it prudent to adjust the focus from us as a ‘start up’ or ‘seed’ to our vision ‘Not just adding value, we’re multiplying it’ or our ‘tree’.  This is where we want to be an integral part of our clients’ businesses, that we’re not only going to have an effect on them, but they will in turn have an effect on their clients, staff and friends.  We want to be an accounting firm so inspirational, you won’t recognise us as the ‘accountant’ stigma.  We want the best for our clients, our friends and our family and pushing them towards greatness is part of the process.

Three thoughts:

1) You’ve got to have VISION

Everybody has ‘SIGHT’ very few people have ‘VISION’.  You are the captain of your own ship, the choice of destination is 100% yours.  You don’t need a co-signer on your dreams!  Our recommendation is to set these goals high, to set them so ridiculously outstanding that they seem unachievable.  We find that most people only push themselves as far as they can currently see…  Impossible is Nothing, so we say go for it!

Our challenge: Write down an AWESOME vision for your life, business or career.

2) Create the right ENVIRONMENT

One of our beliefs is that you are the average of the closest five people around you.  This can be a positive influence or a negative influence…  There’s going to be plenty of people who think you can’t, or you’re unprepared, or you need a certain certificate or need this or that – forget them!!  Find people that are going to SUPPORT your dream; find people that INSPIRE you; find people that ENCOURAGE you and follow these people!!  If they’re out there getting it, join in and go get it!

Our challenge: Invest in those who think you CAN and forget those who think you can’t…

3) Believe in YOU

The first step, the first move forward is believing that you CAN.  You are POWERFUL BEYOND MEASURE and at Inspire CA, we really want our clients, our staff and our friends to take ownership of the FACT that they are powerful beyond measure.  Sometimes we can get focused on what has gone wrong in the past or we can focus on our weakness or what holds us back and this discourages us.  Failing does not make you a failure!!  We challenge you to focus on what has gone RIGHT and focus on what you have been called to do.  We know that everyone has a skill set, a gift or a talent that is on a level that ordinary people do not possess.  We want to urge you to use this gift to take your life or your business to the next level!  If you need any encouragement on this point, please check out Eric Thomas’ video ‘Powerful Beyond Measure’.

Our challenge:  Don’t settle for average – believe in yourself regardless of your circumstances. BE PHENOMENAL!


So what do you see in your life or your business or your career? Do you see the seed, or do you see the tree?

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