Fiercely Financial

Guest Expert: Dee Skillikorn | Digi-Secure | Cryptocurrency Expert"It's not real money." Really?For years, many business owners have dismissed cryptocurrency as gambling, a fad, or something for tech bros and extreme risk-takers. But while you might have been dismissing it, major financial institutions have been building infrastructure for it. Countries are adding Bitcoin to their reserves, and everyday people are funding their lifestyles with it.This might surprise you: digital assets are now classified as the fifth asset class globally. Regulatory frameworks are now in place. Major banks have seen the writing on the wall and they're on board. And if you're still treating cryptocurrency like a curiosity instead of a strategic opportunity, you're leaving money on the table.In this episode, Fiercely Financial host Kate De Jong sits down with co-host and cryptocurrency expert Dee Skillicorn from Digi-Secure to demystify digital assets for business owners. We discuss the reasons why this legitimate asset class is already here, and how to enter it safely.Dee's journey into crypto began with a deeply personal mission: keeping her brain active while caring for her father with dementia. What started as self-education turned into a nine-year deep dive, thousands of hours helping others navigate the space, and eventually building Digi-Secure, a business focused on one critical thing: keeping people safe and protected in the crypto world.What We CoverWhy crypto isn't gambling when you have a strategy (and why 90% of coins are useless)Blockchain explained in 30 seconds: highways, cars, and toll roadsBitcoin as digital gold: finite, unchangeable, and now held in country reservesHow business owners are already using crypto, from self-managed super funds to everyday spendingThe regulatory shift: Australia's ASIC licensing, international adoption, and what it means for youHot wallets vs. cold wallets: what they are and why it mattersThe security essentials: seed phrases, encrypted browsers, VPNs, and self-custodySMSF and crypto: how to hold digital assets in your super fund (and avoid ATO disasters)Real-world use cases: XRP for banking rails, Ethereum as a developer platformThe liquidity advantage: cashing out in minutes vs. refinancing propertyCrypto debit cards: how Dee pays for coffee with Bitcoin (and the shop gets AUD)Bear markets vs. bull runs: reading the signals and managing your emotionsWhy you don't need to be a tech genius, you just need the right foundationThe investment loan broker equivalent for crypto: Jeremy Britton's crypto fund managementKey InsightCryptocurrency isn't about whether you believe in it. It's about whether you're positioned for a financial system that's already shifting. The question isn't "Is this real?" The question is: "Do I understand it well enough to make an informed decision?"If you loved this episode, share it with another business owner who's crypto-curious!Ready to explore crypto safely?Join the Fiercely Financial Action Planning Workshop on 30th May 2026 to get direct access to Dee and our other expert guests. Bring your questions, your goals, and your concerns—and let's build your wealth strategy with all the asset classes in play.Spots are limited, please reach out to your hosts to secure your place!Connect with Your HostsDee Skillicorn, Cryptocurrency Expert at Digi-Secure 🌐 digi-secure.co | ✉️ [email protected] De Jong, Business Coach at Inspired Business 🌐 katedejong.com | ✉️ [email protected]

Guest experts: Jeremy Britton | Boston Trading Co | ETF and alternative asset expert and Carmelle Parvan | As Good As Gold Australia | Bullion SpecialistYou've got property sorted. Now what about the other 50% of your portfolio?Most business owners stop at property. It's tangible, it's familiar, and it feels safe. But  if 90% of your wealth is tied up in your business and property, you're dangerously concentrated. What happens when you need liquidity? What happens during a property downturn, or when you want to diversify globally?That's where shares, ETFs (Exchange Traded Funds), and alternative assets come in. They're liquid, accessible, and globally diversified, and yet many wealth builders overlook them.ETFs are a type of investment fund traded on stock exchanges, similar to individual stocks. An ETF typically holds a collection of assets like stocks, bonds, or commodities, allowing investors to buy into a diversified portfolio with a single purchase. Bullion (gold, silver and precious metals) has been a store of value for thousands of years, and it still plays a critical role in modern portfolios. In this episode, Fiercely Financial hosts Kate De Jong and Dee Skillicorn sit down with ETF expert Jeremy Britton from Boston Trading Co and bullion specialist Carmelle Parvan to unpack how business owners can build a truly diversified portfolio beyond property and their business.What We CoverWhy business owners need both illiquid assets (business, property) AND liquid assets (shares, ETFs, bullion)The liquidity advantage: accessing your wealth without selling your business or refinancing propertyHow ETFs give you instant global diversification, accessing hundreds of companies in one transactionSimple portfolio construction for time-poor entrepreneurs: the 3-fund approach vs. the "one fund" solutionDividend strategies and franking credits: building passive income streamsTax optimisation: capital gains, dividend reinvestment, and holding structuresWhy precious metals belong in every portfolio (5-10% allocation)Gold and silver as portfolio insurance: uncorrelated returns, crisis performance, and inflation protectionPhysical bullion vs. ETFs: when to hold actual metal and when digital exposure works betterStorage solutions, purity standards, and avoiding bullion scamsDollar-cost averaging: the behavioral advantage of automated investingPlatform selection for Australian investorsCommon mistakes: over-trading, market timing, and emotional decision-makingIf you loved this episode, share it with another business owner ready to diversify!Ready to build your complete wealth portfolio?Join the Fiercely Financial Action Planning Workshop on 30th May 2026 to get direct access to Jeremy, Carmelle, and our other expert guests. Bring your questions, your numbers, and your goals, and let's build your strategy together.Spots are limited, please reach out to your hosts to secure your place!Connect with Your HostsJeremy Britton, Boston Trading Co 🌐 bostontrading.co | ✉️ [email protected] Carmelle Parvan, Bullion Specialist 🌐 LinkedIn profile | ✉️ [email protected] Dee Skillicorn, Digi-Secure 🌐 digi-secure.co | ✉️ [email protected] De Jong, Inspired Business 🌐 katedejong.com | ✉️ [email protected]

Guest Expert: Mia Shilkin | Mia Casa Property Investment Strategy | Property Investment ExpertYou've got profit in the bank. Now what?Most Australian business owners pour everything back into their business, either reinvesting, expanding, or upgrading. But most rarely think strategically about building wealth outside it. The result is that you end up with all your eggs in one basket.Property investment is about creating a diversified wealth portfolio that generates passive income and sets you up for long-term financial freedom.The problem is that most people buy property based on emotion or follow a buyer's agent who's really just a salesperson. They skip the holistic assessment, ignore tax structures, and don't ask hard questions about their financial position.In this episode, Fiercely Financial hosts Kate De Jong and Dee Skillicorn sit down with property investment strategist Mia Shilkin to unpack how business owners can use property to build real wealth, without the costly mistakes that derail most first-time investors.Mia brings 15 years of experience working across Australian markets to help clients build portfolios aligned with their long-term goals. Her approach is numbers-first, emotion-second, because wealth creation happens in the strategy, not the dream home.What We CoverWhy most business owners are dangerously concentrated in one asset (their business), and how property diversifies that riskThe holistic assessment you need before choosing a property: your age, relationship stability, business longevity, tax position, and financial ecosystemCapital growth vs. cash flow strategies: which approach suits your goals?Location, location, location: Why 80% of Australians shouldn't invest where they live, and how to find the right growth marketsThe SMSF property goldmine: How to buy commercial property through your super fund and rent it back to your own business (legally!)Why you need independent experts, not a one-stop-shop trying to sell you everythingThe mortgage broker vs. investment loan broker distinction (and why it matters more than you think)Common traps: inflated markets, land banking, false supply issues, and buyers' agents with hidden agendasTax considerations, rental yield calculations, and what "debt till death" really means (yes, that's the French translation of "mortgage")Why financial literacy isn't taught, and how to fill the knowledge gap before making expensive mistakesKey InsightProperty investment is all about preparation. Get your financial foundations right, build relationships with the right experts, and understand the strategy before you need it. That way, when opportunity knocks, you're positioned to act positively, not scrambling to catch up.If you loved this episode, please share it with another business owner who needs to hear it!Ready to build your property investment strategy?Join the Fiercely Financial Action Planning Workshop on 30th May 2026 to get direct access to Mia and our other expert guests. Bring your wealth questions, your numbers, and your goals, and we'll workshop your personalised path from business owner to wealth creator.Spots are limited, please reach out to your hosts to secure your place!Connect with Your HostsMia Shilkin, Property Investment Strategist 🌐 https://www.miacasastrategy.com.au/ | ✉️ [email protected] Skillicorn, Cryptocurrency Expert at Digi-Secure 🌐 digi-secure.co | ✉️ [email protected] De Jong, Business Coach at Inspired Business 🌐 katedejong.com | 📱 @katedejong.inspiredbusiness | ✉️ [email protected]

Guest Expert: Natalia Clack | Easy Super | SMSF SpecialistYou're building a business empire, but who's controlling your retirement wealth?For most Australian business owners, superannuation is an afterthought, a box to tick, a compliance obligation, money disappearing into someone else's hands. But what if your super fund could work as hard as you do? What if you could invest it in property, control where every dollar goes, and build wealth on your terms?You already take control of everything else in your business. Why hand over your retirement savings to strangers who don't know your goals, your risk tolerance, or your vision for the future?In this episode, Fiercely Financial hosts Kate De Jong and Dee Skillicorn sit down with SMSF specialist Natalia Clack to decode self-managed super funds. We tackle when they make sense (and when they don't), who should consider one, and how to avoid the costly mistakes that could derail your retirement.Natalia brings deep expertise in helping business owners take control of their superannuation through strategic SMSF structures. She's passionate about education-first advice, ensuring her clients understand not just the how, but the why behind every decision.What We CoverWhy SMSFs aren't just for the wealthy, and why younger investors are setting them up earlier than everThe control paradox: You manage your business, your investments, your property, so why not your retirement?What you can actually invest in: property (including your business premises), shares, crypto, precious metals, and moreThe tax advantages that can supercharge wealth building: 15% during accumulation, 10% CGT, 0% after 60The responsibilities you're taking on, and why this is NOT a playground for speculationCommon mistakes that trigger ATO penalties and how to avoid themThe advice gap: Why no single expert can guide you through everything (and what to do about it)When an SMSF makes sense, and when traditional super is the smarter choiceIf you loved this episode, please share it with another business owner who needs to hear it!Ready to take control of your wealth strategy?Join the Fiercely Financial Action Planning Workshop to get direct access to Natalia and our other expert guests on 30th May 2026. Bring your questions, your numbers, and your goals, and let's build your personalised wealth plan together. Spots are limited, please reach out to your hosts to secure your spot!Connect with Your HostsNatalia Clack, SMSF Specialist https://easysuper.au/ Dee Skillicorn, Cryptocurrency Expert at Digi-Secure https://digi-secure.co | ✉️ [email protected] De Jong, Business Coach at Inspired Business https://katedejong.com | 📱 @katedejong.inspiredbusiness | ✉️ [email protected]

Guest Expert: Rachel Rademaker  | The Wealth Hive"You mean I could have saved $50K in tax?"If you've ever walked out of your accountant's office thinking "I wish I'd known that five years ago," this episode is for you.Most business owners start with an ABN and figure they'll deal with structures "later." But later often means leaving tens of thousands of dollars on the table, money that could have been working for you, compounding over time, and building wealth.In this episode, hosts Kate De Jong and Dee Skillicorn sit down with tax strategist Rachel Rademaker from The Wealth Hive to answer a critical question: Are you just making money, or actually building long-term wealth?Rachel breaks down how the right business structure can dramatically impact your ability to retain profits, minimise tax, and build generational wealth. From sole trader setups to companies and discretionary trusts, she explains when to use each one and highlights common pitfalls that can quietly derail even profitable businesses.The key message? Stop treating profit like spending money, and start treating it like seed capital for your future.What We CoverThe three main structures decoded: sole trader, company, and trust, and when each makes senseRevenue thresholds that matter ($75K–$135K is decision time)The magic of franking credits and why they're "where the gold is"Division 7A loans and director's penalty notices, traps that could cost you thousandsHow discretionary trusts work like an accessible superfund you can use NOWWhy your accountant processes what you've done but may not tell you what to do differentlyReady to move from earning income to building real wealth?Join the Fiercely Financial Action Planning Workshop for direct access to Rachel and our other expert guests. Map out your personalised wealth strategy with the people who know it best.Spots are limited. To reserve your spot, please reach out to the hosts below.Connect with Your HostsRachel Rademaker, The Wealth Hive | 🌐 thewealthhive.com.auDee Skillicorn, Digi-Secure | 🌐 digi-secure.co | ✉️ [email protected] De Jong, Inspired Business | 🌐 katedejong.com | ✉️ [email protected] you loved this episode, share it with another business owner who needs to hear it!

Guest Expert: Sam Morris | The O8 | Business Transformation SpecialistSo you’re bringing in the money, but are you building wealth?Across Australia, business owners are working harder than ever and somehow ending up with less and less to show for it. Running a profitable business can feel like filling a bucket with a hole in it: exhausting, and ultimately going nowhere. The key is taking deliberate steps to plug the leaks and make your money start working for you. The good news is that with the right approach, your business can become the engine that drives real, lasting wealth.In this episode, Fiercely Financial hosts Kate De Jong and Dee Skillicorn sit down with Business Transformation Specialist Sam Morris to unpack why so many profitable businesses are not building wealth. But more importantly, how you can turn this around with the Profit First methodology.Sam brings 21 years of hard-won business experience, including a CFO role in her family business delivering machinery maintenance across the automotive, aerospace and manufacturing industries. Sam remembers a deeply frustrating walk out of an accountant's office twenty years ago, after he gave her zero strategic direction and a tax bill that made no sense. That moment set her on a mission to change how small business owners think about money, and to help them become wealth creators, not just business owners.What We CoverWhy you can be revenue-rich but wealth-poorThe dangerous disconnect between what your business makes and what you keepHow the Profit First model works in the real world — and why it's a game changer for small businessThe three-pillar framework that changes everything: Manage → Structure → GrowPractical steps for Australian businesses to start building profit and wealth, starting nowThe most common pitfalls and how to sidestep them before they cost youIf you loved this episode, please share it with someone who needs to hear it!Connect with Your HostsSam Morris, Business Transformation Specialist 🌐 www.theo8.com | ✉️ [email protected] Skillicorn, Cryptocurrency Expert at Digi-Secure 🌐 digi-secure.co | ✉️ [email protected] De Jong, Business Coach at Inspired Business 🌐 katedejong.com | 📱 @katedejong.inspiredbusiness | ✉️ [email protected]