The Bottom Line

In this episode of The Bottom Line, Sevan sits down with Damian Care from AS Wealth Advisors to discuss the role financial planning plays in protecting families, building wealth, and preparing for the future.  Across the conversation, Damian discusses the importance of personal insurance and how the right cover can provide financial support when unexpected circumstances arise. He also explores retirement planning, superannuation, and the financial considerations business owners face when preparing for life beyond their business.  Want to be updated on our upcoming episodes?  https://link.revenu.com.au/widget/for... Don’t miss out! Follow Alexander Spencer: Website: https://www.alexanderspencer.com.au/ Instagram:   / alexanderspencercpa   LinkedIn:   / alexander-spencer-cpa   See omnystudio.com/listener for privacy information.

In this episode of The Bottom Line, Sevan sits down with Josh Steen, Founder of Lion Financial Group. Josh shares how his entrepreneurial journey led him into equipment and asset finance, where he built a business from zero to 250 clients in just three years. He explains how Lion Financial Group helps SMEs navigate lending, match with the right funders and secure finance quickly through access to more than 40 lenders. Across the conversation, Josh discusses the risks business owners face when seeking finance, the importance of choosing the right lending partner and how technology and AI are reshaping the broker market. He also shares his approach to goal-setting, measuring performance, building a strong team and maintaining control over the direction of the business. Josh also reflects on his alcohol-free journey in 2025 and the impact it has had on his health, leadership and business performance. Looking ahead, he discusses his ambition to grow the business to 1,000 clients, expand the team and potentially establish a mortgage-broking arm.See omnystudio.com/listener for privacy information.

In this episode ofThe Bottom Line, Sevan sits down with Edward Alder, Managing Director of pay.com.au. Edward shares how his background in accounting, banking, corporate advisory and digital businesses helped shape pay.com.au, a platform that allows SMEs to pay business expenses by credit card, earn rewards and improve cash flow. Across the conversation, he explains how the team identified an underserved market, built a scalable business model and secured partnerships with major airlines and hotels. He also discusses the importance of strong branding, simple systems, employee ownership and a culture built around transparency and accountability. Edward also reflects on pay.com.au’s expansion into the United States, its approach to sustainable growth and the possible future pathways for the business. See omnystudio.com/listener for privacy information.

In this episode of The Bottom Line, Sevan sits down with Jim Penman, founder of Jim’s Group and one of Australia’s most well-known voices in small business. Known by many as the name behind Jim’s Mowing and the wider Jim’s Group, Jim has built one of the country’s most recognised franchise brands. His business journey started early, from earning his first money as an eight-year-old doing odd jobs to turning a part-time lawn mowing business into a full-time venture in 1982. Today, Jim’s Group has grown into a franchise network with thousands of franchisees across Australia and beyond, but the lessons behind that growth remain deeply practical for small business owners. Across the conversation, Jim shares what it really takes to build, scale, and sustain a service business. He talks about the early days of franchising, reaching 100 franchisees in just 18 months, why customer service matters more than most businesses realise, and why looking after franchisees has always been at the centre of the Jim’s Group model. He also shares honest lessons from the mistakes he has made along the way, including the risks of moving too quickly into ventures you do not fully understand, the importance of humility in business, and why strong systems, feedback, pricing, and leadership can make all the difference. Resources and links: Jim Penman Website Jim Penman Tiktok Jim Penman Instagram Jim Penman Facebook Connect: Alexander Spencer Website Alexander Spencer Linktree See omnystudio.com/listener for privacy information.

Kim Keedle is a former Formula One performance coach, physiotherapist, and founder working at the intersection of elite sport, personal development, and technology. Across his career in motorsport, he supported world-class drivers including Romain Grosjean and Oscar Piastri, helping them manage the physical, mental, and lifestyle demands required to compete at the highest level. In this episode, Kim shares an inside look at the world of Formula One and what goes into preparing drivers before they step into the car. From training and recovery to mindset, focus, pressure, and discipline, he explains why consistent performance relies on far more than natural ability. He also discusses the behaviours and habits that allow top drivers to stay calm, resilient, and ready when every second matters. Kim also reflects on his move from the F1 paddock into the startup world with Pocket Mentor AI, a personalised mentoring tool built around high-performance coaching frameworks. He discusses the realities of building a new business, where AI can support personal growth, and how self-awareness, structure, and reflection can help people perform better in sport, business, and everyday life.See omnystudio.com/listener for privacy information.