Business Uncut

Wages, super and your BAS don't shut down for Christmas.

In this episode, Reuben breaks down how to plan for a Christmas shutdown before it turns into a February cash squeeze. He explains why money stops coming in before it stops going out, how Payday Super changes the timing of your super payments, and a four-step plan to get through the dead zone with your cash intact.

You'll learn:

For Australian business owners who want to head into the Christmas break knowing January is covered.

This episode is general information only and doesn't consider your personal circumstances. Speak to your accountant or adviser before acting.

Book a strategy call with New Wave. Follow Business Uncut on Spotify.

Your exit plan might assume you'll only pay tax on half your gain. That assumption has an expiry date.

In this episode, Reuben breaks down the capital gains tax changes that start on 1 July 2027, when the 50 per cent discount is replaced for most owners. He explains who should look at selling before the deadline, who is protected by the small business concessions, and why the way you own an asset can matter more than the asset itself. He also covers the traps that catch owners out, including rushed sales, guessing eligibility and restructuring on a draft proposal.

You'll learn:

For Australian business owners who want to know whether the 2027 CGT changes touch their exit plan.

This episode is general information only and doesn't consider your personal circumstances. Speak to your accountant or adviser before acting.

Book a strategy call with New Wave. Follow Business Uncut on Spotify.

The cash rate's at 4.60% and your repayments just went up again.

Most owners don't find out what that costs until the bank statement lands.

In this episode, Reuben breaks down what rising interest costs are really doing to your cash flow, and gives you a straightforward playbook to protect your business while rates stay high. No jargon, just the moves that actually work.

You'll learn:

- Why interest is a "silent" line item that quietly eats your profit

- The five step playbook for getting on top of rising debt costs

- Why you should chase the rate, not the size, when paying down debt

- How shortening your debtor days acts like a free cash boost

- Why you shouldn't treat the ATO like an overdraft, now that Payday Super is here

- The one thing to build this week to see trouble before it hits

For Australian business owners who are carrying debt and feeling rate rises squeeze their cash flow.

This episode is general information only and doesn't consider your personal circumstances. Speak to your accountant or adviser before acting.

Book a strategy call with New Wave. Follow Business Uncut on Spotify.

A proposed 30% minimum tax on family trust income could land from July 2028. Here's what actually changes, and what doesn't.

In this episode, Reuben breaks down the draft law for the proposed 30% minimum tax on discretionary trusts, what it means for owners who run a business or hold investments through a family trust, and a five-step framework to work out your real exposure before the rules are final.

You'll learn:

For Australian business owners who run a family trust and want to plan early rather than react late.

This episode is general information only and doesn't consider your personal circumstances. Speak to your accountant or adviser before acting.

Book a strategy call with New Wave. Follow Business Uncut on Spotify.

Your P&L says you made a fortune. Your bank account disagrees.

Here's where the gap between profit and cash is actually hiding.

In this episode, Reuben breaks down why profitable businesses still run out of money, walking through the five places cash quietly disappears to before you ever see it as an expense, plus a new super change every employer needs to know about.

You'll learn:

For Australian business owners who are sick of being profitable on paper and broke in the bank.

This episode is general information only and doesn't consider your personal circumstances. Speak to your accountant or adviser before acting.

Book a strategy call with New Wave. Follow Business Uncut on Spotify.

In this short episode of Business Uncut, Reuben walks you through how New Wave Accounting helped an e-commerce business avoid over a million dollars in tax within just two months without increasing revenue or taking unnecessary risks. By reviewing their existing tax structure and identifying missed opportunities, we restructured their setup, recovered overpaid GST, and secured grants they weren’t aware of. If you’re scaling a business, this episode is packed with insights that could make a big difference to your bottom line.

In this episode of Business Uncut, Reuben dives into a crucial but often overlooked aspect of business planning: the director's succession plan. He shares real life examples of businesses that faced major challenges when disaster struck without a plan in place. From frozen bank accounts to family disputes, learn why having a clear succession plan can make all the difference in protecting your business, your assets, and your legacy. Tune in to discover a simple, three part framework that can safeguard your business and ensure it continues to thrive, no matter what life throws your way.

In this episode of Business Uncut Reuben and Anthony from New Wave Financial Planning explain how business owners can balance running and growing a business with building personal wealth. They cover when and how to extract surplus cash, tax-effective strategies including SMSFs, and options for short and long-term investments.

The conversation also addresses risk management, insurance, succession planning, and the importance of cashflow awareness and advisor collaboration(accountant, financial planner, mortgage broker).

Listeners will get practical steps to diversify, protect their income, and create a plan that aligns business goals with personal financial freedom.

Welcome to another episode of Business Uncut with Reuben. In this episode, we dive into essential strategies for starting the new financial year on the right foot. As the financial year begins, it’s crucial for business owners, whether solo operators or leaders of large teams, to set actionable goals, reflect on the past year's performance, and plan effectively for the future.

Reuben shares his personal approach to planning, including the importance of taking time to reflect on the previous year’s successes and challenges. Discover how a one-page plan can serve as your North Star, aligning your team with your business objectives and values.

From analysing past financial performance to setting new goals and embracing opportunities for growth, this episode provides practical insights and valuable tips on how to navigate the next 12 months with confidence.