RSM's talkBIG Podcast: Recent Episodes

RSM Australia

RSM’s talkBIG podcast will make you better with money and is a platform to entertain and educate.Designed for the financial geek or the newbie, we talk about all things financial with straight shooting opinions from our hosts Andrew, Young and Chris. Enjoy a cold beer or wine (if you’re not in the car listening) and get your hit of personal and business money talk.This podcast delves into real life stories and inspires listeners to talk and think BIG. Setting you up to save, create and protect your wealth.

Could fraud be hiding in your organisation without you realising it?

In this episode of talkBIG, host Katie Timms is joined by fraud and forensic expert Andrew Connelly to explore how fraud actually occurs inside businesses, why it's often missed, and what leaders can do to identify warning signs before significant damage is done.

Drawing on his experience in law enforcement, forensic accounting and fraud investigations, Andrew shares practical insights into common fraud schemes, behavioural red flags, emerging AI-enabled threats, and the controls businesses can implement to reduce risk.

Whether you're a business owner, finance leader, board member or risk professional, this episode provides practical guidance to help build a more fraud-aware and resilient organisation.

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Artificial intelligence is transforming the cybercrime landscape, and businesses that don't adapt their cyber defences risk being left exposed. In this episode of the talkBIG podcast, RSM Australia's Katie Timms sits down with cyber security expert Ashwin Pal to unpack how AI-powered cyberattacks work, why they're so effective, and what your organisation can do to stay protected.

Ashwin draws on 27 years of cyber security experience across the Asia Pacific region to break down the rise of AI-enabled threats like deepfakes, sophisticated social engineering, and automated vulnerability exploitation. He also revisits the now-infamous case of a USD$25m deepfake fraud, where criminals impersonated a company's chief financial officer to authorise fraudulent transfers. It is a stark reminder of just how convincing these attacks have become.

WHAT YOU'LL LEARN IN THIS EPISODE:

How AI is supercharging phishing, social engineering, and deepfake attacks
Why people, not technology, remain the biggest vulnerability in most organisations
The people, process, and technology framework for building stronger cyber defences
Why role-specific cyber awareness training matters more than ever
How AI-powered defensive tools, including anomaly detection, predictive analysis, and liveness tests, are helping middle-market organisations fight back
The risks of MFA bombing and mobile device vulnerabilities
How often you should review your cyber strategy (hint: at least once a year)
Practical, easy-to-follow tips for mums, dads, and retirees to stay safe online
What the future holds as AI continues to develop

Whether you're a business leader, a risk professional, or simply someone wanting to protect yourself and your family online, this conversation delivers clear, practical insights you can act on today.

Cybercrime isn't slowing down, but with the right knowledge and strategy, you can navigate these risks with confidence and protect your business, your reputation, and your future.

ABOUT TALKBIG

talkBIG is RSM Australia's business, finance, and economics podcast, helping you save, create, and protect your wealth. Each month, our experts unpack timely business topics with clear, actionable insights to make financial education accessible and engaging.

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In this episode of talkBIG, host Andrew Sykes explores the complex world of early wealth transfer with experts Grace Bacon and Taryn Ellerington. Discover the strategic advantages and pitfalls of gifting assets during your lifetime. Grace, a seasoned financial advisor, explains how rising property prices and longer lifespans make early giving more common, helping families support children into the property market. Meanwhile, estate lawyer Taryn reveals the hidden risks of loss of control and relationship disputes that can turn a generous gift into a legal nightmare.

Learn about the benefits of gifting early, critical legal structures to protect your wealth, and the importance of open communication to prevent misunderstandings. Tune in to gain insights on creating a living legacy that benefits your loved ones and preserves your peace of mind.

Key highlights:

Early gifting requires a structured estate plan to avoid disputes and unintended consequences.
Gifting during a lifetime allows parents to shape wealth use and foster meaningful connections.
Early gifts can create family disputes; legal agreements and transparency are essential.
Align gifting with future needs to prevent resource depletion and maintain independence.
Lack of communication turns generosity into a gamble, risking family relationships.
Tailored gifting strategies prevent financial setbacks and align with broader goals.

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In this episode of talkBIG, Andrew Sykes explores the critical role of data governance in AI with experts Srdjan Dragutinovic and Gerard Sayers from RSM Australia. Discover how effective governance transforms AI into a strategic enabler, preventing risks like bias and reputational damage.

Learn practical steps to align governance with your strategy, ensuring AI success and innovation. Tune in to gain insights on embedding governance into your AI initiatives for a competitive edge.

Key Highlights:

Good governance transforms AI from a compliance chore into a strategic enabler that accelerates innovation while managing risks.
Traditional frameworks are ill-equipped for unstructured and shadow data driven by AI.
AI's speed amplifies risks like bias, making proactive ethical planning essential.
Clear ownership and AI literacy within the organization are crucial for effective governance.
AI-specific regulation is evolving; proactive alignment with emerging standards is key.
Automated AI systems require active human oversight to ensure ethical and effective outcomes.

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As we start a new year, it’s a perfect opportunity to take stock and ask yourself: are your finances truly supporting your ambitions and life goals?

In this episode, talkBIG, host Andrew Sykes is joined by RSM's financial experts, Grace Bacon and Robert Zammit, to explore practical strategies for future-proofing your finances and setting up your super for a comfortable retirement.

What steps should you take now to ensure your money is working as hard as you are in 2026? From setting financial goals to modern retirement trends and estate planning essentials, our experts share their wisdom to help you navigate life’s ups and downs and hopefully come out ahead.

Key takeaways:

You need to find the balance between the financial and the personal to achieve a happy retirement.

Everyone has different comfort levels, so it's hard to say what you need for a 'comfortable' retirement.
Risks associated with retirement include supporting adult children, market fluctuations, and health-related expenses.
Modern retirement often includes retirees working part-time or in consulting roles to stay connected and engaged with the community.
There are many strategies for managing mortgages and retirement savings, but it's important to consult with a professional to discuss your individual circumstances.
There are multiple benefits to starting your financial planning early, rather than late.

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In this episode of the talkBIG podcast, host Andrew Sykes is joined by superannuation expert Katie Timms to break down the latest changes to Division 296 and what they mean for your retirement savings. Earlier proposals to tax unrealised gains on super balances over $3 million sparked widespread concern, but the government has now shifted to a tiered tax structure that targets actual income instead.

The discussion covers:
-The move away from taxing unrealised gains to a fairer, income-based approach
-How the new tiered tax system works for balances over $3 million and $10 million
-The impact on self-managed super funds, farmers, and those with illiquid assets
-Ongoing uncertainties around capital gains tax relief and administrative costs
-Practical advice for planning ahead of the July 2026 start date

Tune in for expert insights, practical tips, and what to watch for as further superannuation changes unfold. Don’t forget to subscribe for more updates on Australia’s evolving tax landscape

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As technology makes it easier than ever to track employee activity, businesses are grappling with how to balance productivity with privacy. In this episode of talkBIG, host Andrew Sykes is joined by BAL Lawyers director Bill Pardy and RSM Australia’s Director of People & Culture Rebekah Mark to unpack the legal, ethical and cultural implications of monitoring remote teams.

Together, they explore how surveillance affects trust, what employers are legally required to consider, and how organisations can create transparent, high-performing remote workplaces without compromising employee wellbeing.

What you’ll learn in this episode:

The rise of surveillance technology in remote work environments and its implications.
How to balance productivity with privacy in the workplace.
The legal and ethical considerations of monitoring employees.
The impact of surveillance on employee trust and organisational culture.

If you want to grasp how workplace surveillance impacts remote work dynamics, this episode is filled with essential insights you can't afford to miss.

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As revenue from the fuel excise continues to drop, Australia’s proposed solution is to make up the difference with a new tax for electric vehicle drivers. In this episode of talkBIG, host Andrew Sykes is joined by RSM Australia’s National Head of Tax Sam Mohammad and RSM Australia’s Sustainability Lead Nicole Mohan to explore the impacts of this controversial policy.

Together, they debate the fairness of a road user charge that only applies to electric vehicles, how this might impact Australia’s sustainability goals and whether there are other ways to transition away from a fuel excise.

What you’ll learn in this episode:

The rationale behind Australia's proposed road user charge for electric vehicles and its potential to replace declining fuel excise revenue.
The fairness and equity considerations of the road user charge, including its impact on different income groups and regions.
How the road user charge aligns with Australia's 2035 emissions reduction target and the importance of its careful design.
The challenges of implementing a road user charge, including vehicle usage tracking and privacy concerns.

Tune in to understand how this policy could impact both individual and corporate road users and how it might shape the future of transportation in Australia.

Experts in this episode:
Sam Mohammad, National Head of Tax, RSM Australia
Nicole Mohan, National Sustainability Lead, RSM Australia
Andrew Sykes, Canberra Managing Partner, RSM Australia

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How do US tariffs and trade wars affect Australia’s economy?
In this episode of talkBIG, host Andrew Sykes is joined by economists Joe Brusuelas and Devika Shivadekar, along with corporate finance expert Craig Amos, to unpack the global ripple effects of US trade policy.

From Trump’s tariffs to shifting trade agreements, they explore how these policies impact Australia’s mining and resource sector, gold markets, and long-term growth.

What you’ll learn in this episode:

Which Australian industries are hit hardest by US tariffs
Why gold demand is booming—and its role in the resource sector
How tariffs disrupt global supply chains and investment flows
Why economic diversification is vital for Australia’s future
The geopolitical forces reshaping global trade

If you want to understand how international trade battles shape Australia’s economy, this episode has the insights you need.

Watch now to learn what tariffs, trade wars, and global tensions really mean for Australia’s place in the world economy.

Experts in this episode:
Craig Amos, Partner, National Resources, Mining and Energy Leader, RSM Australia
Joe Brusuelas, Chief Economist, RSM US
Devika Shivadekar, Economist, RSM Australia
Andrew Sykes, Canberra Managing Partner, RSM Australia

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Everything you need to know about division 296 tax on superannuation

What is division 296 and why is it sparking such significant debate and concerns among superannuation holders?

Announced by the Australian Government in 2023, division 296 is proposed legislation set to enforce additional tax on earning from superannuation balances exceeding $3 million [AUD]. With both realised and unrealised gains potentially being taxed, the legislation has sparked huge debate due to concerns about fairness, valuation challenges, and its potential impact on retirement planning.

As the legislation continues to face hurdles in Parliament, its potential impact on retirement strategies and future generations remains a hot topic.

In this episode of talkBIG, host Andrew Sykes joins expert Katie Timms, a Partner in the RSM Superannuation team, to discuss the complexities of this new tax and what it might mean for Australian’s retirement plans.

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Join special guest Kim Seeling Smith and host Andrew Sykes as they embark on a thought-provoking discussion about the revolutionary impact of artificial intelligence (AI) on the business landscape.

From the future of work to navigating the increasing pace of change, this episode focuses on preparing individuals and organisations to face the changes that lie ahead.

The hosts explore the idea of partnering with AI, emphasising the need to always keep a human in the loop, and calling for organisations to upskill and redeploy their workers, taking them on the journey . They candidly address the realities of automation, pointing out that routine tasks are often the most vulnerable, yet simultaneously opening doors to exciting new opportunities and roles in the workplace.

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Too many Aussie businesses aren't ready for a cyber attack.

In this episode of talkBIG, we unpack the latest findings on Australia's cyber readiness.

Take a close look at how ready Australian companies really are to tackle cybersecurity threats, dig into the main attack methods that cybercriminals use and discuss why it’s so important for companies to understand their vulnerabilities before they can be exploited.

Tune in now.

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How will the Federal Budget impact you?
The Federal Budget 2025-26 is set to be handed down by Treasurer Jim Chalmers on 25 March, shaping economic policy and priorities in a pivotal election year. What will the key announcements mean for businesses, investors, and individuals?

Join us for an in-depth webinar featuring our leading economist, tax experts, and finance advisers. They will break down the key measures, assess their implications, and explore the broader economic and policy landscape as we approach the federal election.

Discussion highlights:

✅ Economic outlook and policy direction in an election year
✅ Tax and finance measures impacting businesses and individuals
✅ Key opportunities and risks to prepare for

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Do you remember Neopets? 🌟 If you spent time online between 1999 and 2005, chances are you had a Neopets account or knew someone who did.

In this episode of talkBIG, we’re exploring the fascinating world of Neopets, the online game that became a cultural phenomenon in the early 2000s. Join host Andrew Sykes as he chats with Peter Xi, a Partner from RSM Australia's Tax Advisory division, and Dominic Law, the new CEO of Neopets.

They’ll dive into the business side of online gaming, discuss the cultural impact Neopets had on a generation, and share some exciting plans for the future of the game! 🎮💖

Whether you grew up with Neopets or you’re simply curious about the gaming industry, this episode offers a fun mix of nostalgia and insights that you won’t want to miss.

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As Donald Trump takes office for a historic second term, the world stands at a crossroads.

In this special episode of talkBIG, two top RSM economists from the US and Australia tackle the critical question: What does another Trump era mean for Australia, the US, and the global economy?

Join RSM Australia's Chief Executive Partner, Jamie O'Rourke, as he hosts an unmissable discussion with renowned experts Joe Brusuelas and Devika Shivadekar.

This compelling episode delivers sharp insights, bold predictions, and crucial strategies for navigating an era of economic uncertainty. Tune in now!

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What can business owners do to manage rising costs?

In this episode of talkBIG, host Andrew Sykes speaks to experts Jonathon Colbran, and Gavin Stacey to unpack the critical challenges facing Australian businesses—from taxation pressures to insolvency risks—and provide actionable strategies for navigating financial distress.

Whether you’re battling rising debt or exploring ways to turn your business around, this episode offers practical advice and a roadmap to making informed decisions.

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Have you ever wondered why Black Friday is popular in Australia? Our latest talkBIG episode dives deep into this phenomenon as host Andrew Sykes chats with economist Devika Shivadekar and data analytics expert Dr. Ian Tho, uncovering why Black Friday has become a major retail event Down Under.
In a lively discussion, they trace the origins of Black Friday in Australia, explore its growing influence on consumer behaviour, and reveal how it's shaping our retail landscape. They also examine how Australian shoppers are adapting to changing retail strategies, the critical role of data analytics in predicting trends, and the ways AI is transforming the shopping experience.

Highlights include:
Why retail sales are booming during Black Friday sales in Australia.
How data analytics is revolutionising consumer insights.
The shift toward early shopping and online research.
Practical strategies for small retailers to thrive amidst big sales events.
How AI-driven insights are making personalised shopping easier and more effective.
The critical importance of customer experience in driving loyalty.
Tips for retailers to streamline the buying journey.
How economic factors like interest rates are shaping spending habits.
A look at the future of retail and how consumer behaviour continues to evolve.

Tune in for an insightful episode packed with expert perspectives and actionable tips to understand the Black Friday phenomenon and succeed in the fast-changing world of retail!

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Can ESG help you protect your wealth and business from the impacts of climate change?

Climate change is a big topic, with wide-ranging impacts that have substantial financial implications. Consumers are increasingly demanding more eco-conscious practices, and regulations are becoming stricter worldwide, including here in Australia. We are already seeing proactive businesses adapting their strategies to align with a sustainable future.

So, how can you protect yourself, your business and your wealth from the impacts of climate change?

In this episode of talkBIG, we are exploring the big questions around climate change, sustainability and ESG to uncover how they intersect with business and wealth. Join host Andrew Sykes as he speaks to RSM Australia’s ESG and sustainability experts, Linda Romanovska and Karien Erasmus to gain practical insight into some of the most pressing challenges of the modern era.

This conversation will challenge your perspective on money, wealth, and the future of our planet. Tune in now.

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In this episode of the talkBIG podcast, host Andrew Sykes is joined by a lineup of seasoned professionals from RSM, each bringing their unique expertise to the table. We explore the wide world of professional services to try to pinpoint when, exactly, it’s time to speak to a professional.

People often try a very DIY approach to things, and sometimes that’s appropriate – for example: you don’t need an electrician to change your lightbulb but you should hire one if you’re rewiring your kitchen. In this episode, we explore the question from a business and personal finance perspective to determine the exact line in various professional and personal scenarios where consulting a professional is not just advisable, it's mandatory.

This episode is a treasure trove of knowledge for anyone seeking professional advice on a range of financial and business matters, from IPOs and wealth management to cyber security and R&D tax incentives. Tune in to gain valuable insights from these industry leaders and learn when it's time to call in the experts.

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Key Takeaways

The federal budget for 2024-2025 focused on cost of living, with tax cuts, energy bill relief, and additional rent assistance.
The rising cost of utilities, particularly energy, was a major concern for both individuals and businesses.
The budget allocated funds for green hydrogen and critical minerals production.
The fiscal outlook has deteriorated, with projected deficits and rising net debt.
The budget had limited incentives for business investment, except for an extension of the Instant Asset Write-Off for small businesses.
The budget included measures to support individuals, including tax cuts, superannuation changes, and cost of living subsidies.
The impact on interest rates will depend on consumer confidence and inflation trends.
Compliance and wage compliance are areas of focus, with increased funding for the ATO.
There were no significant changes to R&D incentives.
The budget did not address the taxing of unrealized profits in super funds.

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Whether you're working for a salary, managing your own business, or planning for retirement, inflation is having an impact on your finances. You need to understand that impact to make sure you adjust your financial strategy in the right direction.

Special guest David Berthon-Jones joins us to discuss the impact of inflation as well as strategies for managing finances and investments in a high-inflation economy.

If you’re feeling the pinch of rising prices and wondering how to safeguard your financial future, tune in now.📌Timestamps:

0:00 Intro

02:09 Generating profits through inflation

03:27 How does inflation impact the composition and allocation of investment portfolios?

06:22 Thoughts on the RBA lifting interest rates to control inflation

09:25 Finding the balance between risk and reward when adjusting portfolios for inflation

13:26 How much do investors change strategies during inflation?

15:24 What is a good, sustainable rate of return for a long-term investment?

18:22 What is the benefit of having a fund manager?

21:38 When is a good time to start building your wealth through investing?

24:37 What is the material value of getting financial advice?

About David:

David Berthon-Jones CFA is a founding partner and Joint Chief Investment Officer at Aequitas Investment Partners. With a stellar career as a professional asset consultant and a portfolio manager overseeing a $3bn portfolio, David brings a wealth of knowledge and experience. David is responsible for macro-economic analysis and dynamic asset allocation processes across a range of reliable multi-asset and direct equity portfolios. He was also one of the expert contributors for our thinkBIG report – the SME guide to inflation and interest rate rises.

Please note: the information shared on this podcast is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Before making an investment or trading decision you should consult with your financial adviser & consider how appropriate the advice (if any) is to your objectives, financial situation and needs.

For expert financial advice tailored to your personal situation, please reach out to one of our wealth management specialists.

Thanks for listening! Visit the RSM Australia website to ask the hosts a question.

Feeling the pinch of rising interest rates and a high cost of living? We've got your back! In today's episode, our hosts dive deep into the world of personal budgeting and share some accountant secrets to help you save money and conquer those mortgage woes.
We know that the rising cost of living can put a strain on your finances, especially when interest rates start climbing. Inflation is high and everything from groceries to housing is getting more expensive. But don’t worry! Today, we're diving deep into our treasure trove of money-saving strategies to help you stretch your hard-earned dollars.
In this episode, we explore practical money-saving tips tailored to the challenges of a high cost of living and rising interest rates. We also cover topics like personal budgeting, mortgage savings, tips for renters to reduce housing expenses and the secret accountant knowledge that can help you make smarter financial decisions.

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Everyone needs energy. You need electricity to run your business, to run your household or just to participate in the modern world. In this episode of talkBIG, hosts Andrew, Chris and Young dive into the world of energy efficiency. They share practical strategies that can put some money back in your pocket while giving the planet a little love too.

In this episode, the talkBIG crew chat to Jacob Elkhishin, RSM's National Leader for Resources, Mining, Energy & Sustainability. Jacob has more than 18 years of experience helping his clients manage risks and stay compliant. He is also an accredited greenhouse and energy auditor.

During their talk, they look at the global factors that affect how much you pay on your energy bill. They also explore ways to cut down your daily energy use, like upgrading appliances or installing triple-glazed windows. They also shed light on what ESG is and how it can help businesses improve their bottom line. Get ready for some energy-saving tricks that will not only save you money but also boost your long-term resilience.

If you’re tired of paying sky-high energy prices and desperate to find ways to shrink your bills then tune in now.

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talkBIG season 2 episode 8: - Cyber security and IT for small business – with guest Darren Booth Let's face it, cyber attacks have become so common that you can barely turn on the news without hearing about some sort of massive data breach. But don't worry, RSM is here to help. For this talkBIG episode, hosts Andrew, Young, and Chris sat down with RSM's National Head of Cyber Security and Privacy Risk Services, Darren Booth, to uncover some startling truths about the seedy underworld of cybercrime and how businesses can protect themselves from cybercriminals.

You'll be surprised to learn that your hacker is more likely to be working 9-5 in a call centre run by organised criminals than a teenage hacker operating out of their parents' basement. Plus, did you know that people and processes can be a bigger risk than your IT system?

With the recent data breaches of major Australian companies like Optus and Medibank still fresh in our minds, it's more important than ever to learn about the risks and how to protect your sensitive information. And maybe it's time to reconsider whether you need to keep some of that customer data in the first place.

If you're worried that tech talk will go over your head, don't! Darren and the talkBIG crew break it down in an easy conversational style that you'll love listening to. They cover some great tips on where to start with cyber security, how people actually get hacked (you might be surprised!), whether cyber insurance is worth it, and the consequences for a business that experiences a breach.

So what are you waiting for? Tune in now and get cyber smart with RSM and the talkBIG crew.

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In part two of our talkBIG double episode, Andrew, Young and Chris discuss the final four trends from our thinkBIG report on the 8 key trends impacting small businesses in 2023. If you're a small business owner or private contractor, you won't want to miss this.

First up, the talkBIG team talks about cyber security, and it's a big deal. Did you know that the dark web is now the third largest economy in the world? And a cyber crime is reported every 7 minutes! That's why it's crucial for businesses to safeguard their data and have a backup plan in case of a breach. It can cost a lot of money and even put you out of business. Don't take the risk of losing everything, tune in to learn how you can protect your business.

The next hot topic our hosts weigh in on is staff shortages. It's tough for small businesses to compete with the big guys when it comes to hiring. The talkBIG gang share some strategies to help business owners overcome this hurdle, such as using technology to automate tasks and free up your staff to focus on higher value work. They also discuss how you can showcase your unique selling points to attract top talent.

Cashflow is always a top concern for small business owners, but don't worry, there are more options than just taking out loans. Andrew, Young, and Chris suggest exploring government incentives and grants that you may be eligible for. With a bit of effort and research, you could find ways to boost your cashflow without taking on more debt.

Finally, the talkBIG team talks about virtual CFO services, a great option for businesses looking to gain financial insights without hiring a full-time CFO. You'll learn how you can get financial analysis, identify risks and opportunities, and even negotiate with stakeholders and lenders. Plus, the insights gained from forecasting can help you decide if it's time to hire a permanent CFO or not.

So there you have it, the final four trends from the thinkBIG report, delivered straight to your ears. Don't forget to subscribe to our channel for more business and finance insights, and check out our library for previous episodes that will help you make smart business decisions to keep your business thriving.

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In this two-part episode of talkBIG, hosts Andrew, Young and Chris explore the big trends affecting small businesses in Australia in 2023 and beyond. If you own a small business, listen up because this episode is just for you.

The world is changing fast, so it’s important for business leaders to reflect on their strategies and look for ways to improve. Obviously, knowing what to expect makes it that much easier to plan ahead. Earlier this year, RSM released an in-depth report which identified 8 trends changing the Australian business world in 2023. Our talkBIG panel discuss the report, talking about each trend and what it means for the average Aussie small business owner.

In part one of this two-part series, the gang talks about some pretty important topics that could make or break your business. First up, they cover wage compliance and how to stay on the right side of the law when it comes to paying your employees. Trust us, you don't want to get caught out on this one!

Then, they delve into data privacy, discussing the hefty price tag that comes with collecting customer data. With data breaches on the rise and the government cracking down on privacy breaches, it's important to take data privacy seriously. Luckily, the guys have some tips on how to do just that.

Next up, they tackle the topic of digital business and how to give your business a digital makeover. With remote working becoming the norm, it's time to start thinking about how you can use technology to improve your business and save money.

Last but not least, they chat about data insights and how to use the data you collect to make smarter business decisions. By combining data from different sources and incorporating external data, you can gain valuable insights that will help you make informed decisions for your business.

Stay tuned for part two, where we cover the remaining four trends impacting small businesses in Australia.

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In a not-to-be-missed episode, the talkBIG hosts are joined by Julian Muldoon, Director and Founding Partner of 1Group Property who shares his insights into the state of the housing market in Australia and what we can expect to see throughout 2023.

Housing, renting and the investment property market has become a hot topic in Australia. With the recent RBA rate hikes leading to higher mortgage repayments and shrinking property values, coupled with a widespread rental crisis, the state of the property market in Australia has never been more pressing.

In this insightful discussion, Andrew, Young and Chris quiz Julian on the current state of affairs, exploring the challenges and opportunities facing both buyers and renters alike, and what we can expect to see unfold throughout 2023.

Don't miss out on this essential discussion - tune in now!

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Everyone makes (and breaks) resolutions at the turning of the year. But with rising inflation and a looming recession, there are some financial new year's resolutions that will be essential to get ahead in 2023. talkBIG hosts Chris and Young chat to guest Andrew Fernance about setting and achieving financial goals, with expert strategies for making hard financial decisions. Whether you're managing your personal finances or the budget for your business, these tips will help you get ahead in 2023.

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Interested in the stock market but not sure where to begin? Special guest Louise Bedford shares her secrets to becoming a successful day trader. She talks about how to cut through the amateur advice that might get you into trouble, and navigate market volatility like a pro.

Andrew, Chris, and Young have a riveting conversation with Louise about the intricacies of trading, the difference between trading and investing, and the comparative strengths of using technical analysis versus fundamental analysis to guide your decisions on the share market.

The information shared on this podcast is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Before making an investment or trading decision you should consult with your financial adviser & consider how appropriate the advice (if any) is to your objectives, financial situation and needs.

_______________________________________________________________________________________

Louise Bedford is a best-selling author of five books on the stockmarket. She is a behavioural finance expert and has degrees in Psychology and Business. She’s been running the 6-month repeat-for-free www.tradinggame.com.au Mentor Program since the year 2000, and she’s also the founder of www.talkingtrading.com.au, a free weekly trading podcast.

Known as ‘the corporate executive who lost the use of her arms and achieved financial freedom by trading with a pen in her mouth’ – she will inspire you to achieve your trading best.

Thanks for listening! Visit the RSM Australia website to ask the hosts a question.

After ten years out of government, Treasurer Jim Chalmers has delivered Labor's first budget since its election victory in May. In this special episode of talkBIG, host Andrew Sykes plays facilitator as he talks to RSM experts Liam Telford, Grace Bacon, and Rick Kimberley about the October 2022-23 Australian Federal Budget. They discuss how will this budget will impact Australia’s economic resilience as it attempts to solve the inflation, growth, and jobs challenges Australia faces. For a more detailed analysis, make sure to download the RSM Federal Budget report.

In this episode of talkBIG, hosts Andrew, Young and Chris take on a topic many people want the answer to: "How do I get rich?"

They approach the question with a blend of straight-forward advice on building wealth and entertaining quips about get-rich-quick schemes.

Chris shares his insights into the strategy that goes into growing personal wealth, answering some common questions about thinking like a rich person.

Learn about investment strategies, tips on how to save, hidden costs, safe versus risky finance management and when it's okay to indulge.

In our first episode of the new season of talkBIG, we answer one of the most common questions accountants hear during tax season: what expenses "count" as taxable deductions?

Our talkBIG hosts, Andrew, Chris, and Young, discuss the "golden rules" of managing tax deductions. Along the way, they cover the Australian Tax Office (ATO) rules surrounding:

travel expenses
record keeping
COVID-19 payments
RAT tests
changes to superannuation
cars
clothes
laundry
education and training
working from home
holiday homes
rental properties

If you've ever been unsure about what things can be deducted when doing your tax return in Australia - this episode is a must-listen!

Sarina Lacey leads the Health Economics Business Unit at the Centre for International Economics and will be speaking to us about health economics, the impact that has on individual finances and health insurance.
Shaped in the late 1900's with the commencement of Medicare, Australia's health system is very different to any other country: giving Australians universal access but, what is the cost of that and what role does private health insurance play? From a society perspective, health insurance is very much worth it for the betterment of the overall health sector but as an individual is it worth your while?

Join us for this episode of talkBIG as we discuss all things Health.

Kate Carnell AO is an Australian businesswoman and former politician. Now, as Chair of a recently publicly listed company, Racing and Sports, Kate takes us through what is involved in going IPO and what has kept her enthused and focused on what really counts in business throughout the years.

Kate started her career as a Pharmacist in the 1980s, later launching her foray into politics after being involved in the Pharmacy Guild and Canberra Chamber of Commerce. This led her to being the ACT Chief Minister and Small Business and Family Enterprise Ombudsman.

Whether it was aspiring to be the best professional pharmacist by knowing every customer by name or utilising 'situational leadership' to guide her teams through challenging situations, Kate has a wealth of knowledge to share and it was a pleasure speaking with her. Enjoy the listen!

Access insights from our panel of experts, including regular talkBIG host Andrew Sykes, Partner - RSM Australia, Effie Zahos, Editor at Large - CANSTAR, David Pearce, Executive Director - The Centre for International Economics, Mary Lai, Principal - RSM Australia and Paul Bongiorno, Columnist - The Saturday Paper as they unpack the challenges and opportunities for an Australia focused on recovery and re-building.

David Pearce has been studying the economic effects of climate change and related issues for over 30 years. Over recent times in Australia alone, we've experienced increasing economic threats due to floods, bushfires and natural disasters. Being a coastal nation, sea levels rising which will affect most of our major cities in the near future. Maintaining agricultural productivity, more droughts or floods and heat stress in general will also be of a particular concern.

When the solution seems clear, how can one make world leaders think beyond the next 2-3 years? The estimated cost of climate change itself to the Australian economy is predicted to be between 2-6% GDP. It is also in our interest to be part of international efforts to reduce emissions and to encourage other larger polluting countries to lower theirs.

In this episode, we explore the opportunities available and what might be hindering more rapid progress from both the Government and private sector.

In this episode of talkBIG, Kasey Fox of Farrar Gesini Dunn busts family law myths stressing that pro-active protection better for all. Kasey has been a Family Lawyer for the past 16 years, and while she acknowledges she is not necessarily someone people want to find themselves needing, the reality is often a lot less daunting after starting those conversations.

Join us as we talk prenups, postnups, your rights in a defacto relationship, what to do in a separation to avoid paying out in court and who keeps the family pet!

talkBIG #newpodcast #podcastforleaders #newpodcastalert #podcastinterview #spotifypodcast #podcasthosts #followalong #newepisodealert #FamilyLaw

If you're thinking of getting into Cryptocurrency, a great place to start is by knowing where to invest and avoiding the 'FOMOs', taking a common sense approach and to start following the exchange. In this talkBIG episode, David Elliott, of Agile Digital, talks everything you need to know to begin your crypto journey, including hardwear wallets, private keys, bitcoin security, data storage and what lies ahead! Will banks go the same way as the telephone booth?

Crypto is a volatile asset class that experiences a lot of ups and downs so once you do take that your first steps, avoid reacting to the fluctuations and let the investment work for you long term.

In this episode, we talk getting over your financial hangover from Christmas and start off the new year with some new ideas and tips on how to improve your personal finances.

Saving and putting money aside is a lot easier that making extra money but the key is finding something that suits you and something you can stick to long-term. If you don't want the hassle of tracking your spending in a budget there are simple, set and forget strategies to develop that nest egg for a rainy day or holiday.

Advancements in tech often start with accounts payable, the biggest shift being the ability to totally illuminate data entry. We hear from Laurel Grey, National Manager of Digital Advisory at RSM, on how businesses can use RPA (Robotic Process Automation) to either achieve efficiencies in the back office (such as accounts payable) or on the sales side of the business, bringing in more opportunities for growth.

Business owners need not be weary of utilising RPA, you won't need to configure processes from scratch as best practice procedures are already incorporated in the solutions. Accessing the right technology for your business not only illuminates the need for a paper trail but can also identify all manual processes that can be reduced or removed all together.

In this episode, we speak with Roger Darvall-Stevens, Partner and Head of Fraud and Forensic Services at RSM on what business owners can be doing to prevent, detect & respond to fraudulent activity.

From training your employees to knowing what to look out for, developing whistleblower programs and regular communication with staff regarding internal controls and legal and ethical workplace surveillance to detect fraud, corruption or other workplace misconduct. Roger outlines what you can be doing to not only help educate staff but also deter potential fraudsters resulting in minimising of costs to your business and maximising fraud and corruption control.

The last year has seen house prices rising at record rate, locking some buyers out of the market and providing fantastic opportunities for others. Julian Muldoon, Director, 1Group Property Advisory gives us a great run down on the property market and where opportunities and challenges exist.

From low interest rates, booming coastal properties, impact of the Olympics and eventual return of immigration, Julian covers it all. If you are in a position to invest, there are plenty of opportunities!

In this episode, we speak with former paralympian speed skier Michael Milton as he navigates lockdown in his new life as Owner of Quizzic Alley, stocking Australia’s largest range of licensed Harry Potter merchandise! As a family-owned small business with retail outlets in Canberra and Sydney, Michael takes us through his journey and more recently, their challenges in navigating lockdowns and business support grants.

What's the ATO targeting this year according to the accounting grapevine? Your hosts spill the beans on what to do to avoid becoming under the radar and ensuring you've ticked all the compliance boxes. From working from home expenses through to self education, we discuss tax opportunities, common mistakes and how to achieve your best outcome this tax season.

When the Trimboli family opened one of Canberra's first delicatessens in 1978 which later launched them into the hospitality business, they could have never predicted the turn of events that they, along with the rest of the world, have had to face in the 18 months. We find out what they did to reinvented themselves in response to COVID in the early days and how it is still affecting how they operate and do business today.