Natallia: So John, I'm a business owner. I work hard in my business but how do I actually ensure that all of that effort that I put into the business ... How do I get return? How do I get my ROI?

John: In terms of the business, that will generally generate profit. In terms of generating wealth, I think that's where your question's pointing to.

Natallia: Yes.

John: You need to then be able to build up assets outside the business. That provides two benefits. One, diversification but two, it also means that your assets outside the business can be protected so it's part of an asset protection strategy where you'll separate the valuable assets from the business where there might be some risk. And in terms of that, you would look at what assets you wish to invest in and how you structure those assets. So generally, in a separate entity to the business entity and in terms of the investments themselves and maximizing the wealth they generate, generally want to seek the services of a financial planner, someone who can assist you in that decision making.

Most of us who run businesses and are occupied with the business don't really have time to manage an investment portfolio or be able to structure an investment portfolio to get the best return.

Natallia: That's right. Yes. So I need to ensure that what we do with the investment is the right strategy, isn't it? Not just the business but I also look after my non-business investments. Yeah, that's what we're saying.

John: Exactly. And look, and with that, I suppose it comes also the funding and debt management. A lot of times, we like a lot of the debt supposed to be in the business, tax deductible and I suppose with debt management, it might be where the financial planner will also look at where the debt sits and how to get the best tax outcome in terms of that debt. And also, security. If the debt's ... If your personal assets are not exposed, they're not encumbered by debt, you're in a much better position than if all of your assets are secured for business borrowings.

Natallia: Great. So the summary is separate your business from your personal assets and make sure that it's all protected.