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Not all tax planning is about deductions, But what if it could also build wealth, teach values, and support your legacy? Here’s a powerful, move you’re probably not using, Hire your children into your business. → Shift income into a lower tax bracket: Your kids can earn up to $15,000 in 2025, tax-free under the standard deduction, Income that would otherwise be taxed at your highest rate. → Deduct their wages as a business expense: Reduce your taxable income, while keeping money inside your family ecosystem. → Avoid payroll taxes: If you're a sole proprietorship or family partnership, wages paid to children under 18 are exempt from Social Security and Medicare taxes. → Fund a Roth IRA: Set your child up for tax-free compounding growth from the start, while teaching financial literacy and long-term thinking. This isn’t just a tax move, It’s an alignment move. Because when your wealth strategy includes your family, your values, and your vision, You're not just optimizing taxes, You’re building legacy with intention.

Each generation of leaders either sets the limit or ignites the ascent for those who follow. Factories will be modernised, balance sheets will evolve, and even the brands we build will pass on to new leaders. What lasts is not the asset, but the values, ideas, and people we choose to invest in. Over time, I have realised that a lasting legacy is not defined by milestones but by the daily decisions that reflect our character. The courage to act ethically in private, the consistency in upholding principles despite easier alternatives, and the responsibility to prepare future leaders form the foundation of a strong culture. I am committed to shaping a legacy where the next generation inherits strong principles rather than unresolved challenges. I envision an industry that operates sustainably, with mills powered by renewable energy, recycled water, and circular processes. At RSWM Limited, our focus on sustainability and textile recycling is a deliberate step toward this goal. The legacy of people is just as vital. When leaders prioritise mentorship, knowledge flows freely, and cultures become resilient. I have seen young engineers rise to new heights because someone invested time to guide, challenge and support them. A single meaningful conversation can ignite a lifetime of wiser choices. Technologies will advance, and strategies will transform, but values, when practiced consistently, become an organisation’s most enduring competitive advantage. Titles may fade, and wealth may dissipate, but the impact we have on future generations persists. That is the legacy worth pursuing. #legacy #manufacturing #textiles #culture #leadership

If you "win" a negotiation at the expense of the other side, you've already lost. Early on at @Cityflo, we had to convince bus operators to partner with a company with no track record. We realized that the best deals aren't about logic; they are about empathy. Understand what the other person values, what success looks like to them and find the win-win that benefits you AND them. The goal is never just to sign the deal. It's to build a partnership. If you can empathise with them and make them empathise with you, you'll build a lasting partnership In Game Theory, there is a concept of a Repeated Game, where the best action is different from that of a Single Game. And business is all about Repeated Games. If I could recommend one resource, it's Never Split the Difference by Chris Voss, a former FBI negotiator, who talks about viewing negotiations as non-zero sum.

This is how great leaders create lasting impact by mentoring and fostering trust. (aka how they build a legacy that outlives their tenure) Great leaders don’t just lead—they leave behind something greater than themselves. 🟢 Better people. 🟢 Stronger teams. Cultures that thrive long after they’re gone. Let’s break down 5 actionable ways to build a professional legacy👇 1. Mentor with purpose 🎯 🎯 Outstanding leaders don’t just manage — they mentor. ↪︎ They invest in helping others grow by sharing knowledge, creating opportunities, and empowering decisions. 𝗣𝗿𝗼 𝗧𝗶𝗽:: Ask yourself regularly — "Who have I helped become a better version of themselves today?" 2. Create a psychologically safe environment 🛡️ 🎯 Trust is the foundation of any lasting legacy. Without psychological safety, teams stay quiet and play it safe. ↪︎ With it, they speak up, take risks, and innovate. 𝗧𝗲𝗰𝗵𝗻𝗶𝗾𝘂𝗲 𝗕𝗿𝗲𝗮𝗸𝗱𝗼𝘄𝗻: a. Admit mistakes openly → Model vulnerability b. Encourage dissent → Make diverse opinions valued c. Reward learning → Recognize effort, not just results 3. Build leaders, not followers 🚀 🎯 Your real legacy is the leaders you help develop. ↪︎ It’s about empowering others to lead confidently and competently in your absence. 𝗣𝗿𝗼 𝗧𝗶𝗽:: Delegate with intention. Let them own the outcome — success or failure. 4. Model integrity every day 💡 🎯 Actions speak louder than titles. ↪︎ Great leaders consciously model the behaviour they want to see, setting a cultural standard for the team. 𝗔𝘀𝗸 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳: Are my daily actions aligned with the legacy I want to leave behind? 5. Prioritize long-term culture 🌱 🎯 Results are temporary. Culture is forever. ↪︎ Leaders who build enduring legacies focus on creating a positive, resilient culture that lasts beyond their time. 𝗣𝗿𝗼 𝗧𝗶𝗽:: Define core team values with your team, not for them. Values stick when they’re co-created. If you want your legacy to grow, start by mentoring someone today. Want your team to flourish? Foster trust and safety. 💬 Over to you: What’s ONE way you’re currently mentoring or fostering trust in your team? Comment below 👇. ------------------- I’m Jayant Ghosh. Follow me in raising awareness for mental health that inspires growth and well-being. ♻️ Repost to help others.

When negotiating, do you think the big wins happen at the table? They don't! The real magic happens before the first word is spoken. Success in 80% of negotiations is due to preparation. It's taking small steps to control the process, foresee challenges, and set small goals. I coached a procurement manager stuck in a deadlock with a supplier. Both sides had drawn firm lines: • The supplier demanded upfront payments. • The procurement team refused. • They feared cash flow issues. For weeks, the talk had gone in circles. It made no progress. When I stepped in, I asked one question: “𝙒𝙝𝙖𝙩 𝙙𝙤𝙚𝙨 𝙩𝙝𝙚 𝙨𝙪𝙥𝙥𝙡𝙞𝙚𝙧 𝙧𝙚𝙖𝙡𝙡𝙮 𝙣𝙚𝙚𝙙?” The team realized the supplier's main concern wasn't money. It was to reduce delivery risks. By focusing on interests, not positions, we found a solution: 𝗔 𝘀𝗺𝗮𝗹𝗹 𝘂𝗽𝗳𝗿𝗼𝗻𝘁 𝗽𝗮𝘆𝗺𝗲𝗻𝘁, 𝗽𝗹𝘂𝘀 𝗺𝗶𝗹𝗲𝘀𝘁𝗼𝗻𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝘁𝗶𝗲𝗱 𝘁𝗼 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝘆 𝗽𝗵𝗮𝘀𝗲𝘀. The result? The deal closed in two days, with terms that worked for both sides. That negotiation taught me this: →  Preparation isn't just logical. → It's also strategic and emotional. I'm happy to share here how I prepare for a negotiation: 𝗦𝗲𝘁 𝗦𝗠𝗔𝗥𝗧 𝗴𝗼𝗮𝗹𝘀 𝗳𝗼𝗿 𝗲𝘃𝗲𝗿𝘆 𝘀𝘁𝗮𝗴𝗲. • Be Specific, Measurable, Achievable, Relevant, and Time-bound. • No vague goals like “get the best deal,” aim for concrete outcomes: → Add a long-term partnership clause → Reduce delivery timelines by 10% → Secure flexible payment terms 𝗙𝗼𝗰𝘂𝘀 𝗼𝗻 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁𝘀, 𝗻𝗼𝘁 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻𝘀. • Ask, why does the other side want this? • When you negotiate based on interests, you create options that meet both parties’ needs. 𝗣𝗿𝗲𝘀𝗲𝗻𝘁 𝗠𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗼𝗳𝗳𝗲𝗿𝘀 (𝗠𝗘𝗦𝗢𝘀) • Successful comes with always having options ready. For example: → Offer A: A 5% discount for upfront payments. → Offer B: Standard payment terms and extended service coverage. If you present choices, you reduce deadlock and keep control of the conversation. 𝗨𝘀𝗲 𝗘𝗺𝗼𝘁𝗶𝗼𝗻𝗮𝗹 𝗜𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝗰𝗲. 𝗡𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗼𝗻 𝗶𝘀𝗻'𝘁 𝗷𝘂𝘀𝘁 𝗹𝗼𝗴𝗶𝗰—𝗶𝘁'𝘀 𝗮𝗯𝗼𝘂𝘁 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗶𝗼𝗻. • Practice self-awareness to stay composed under pressure. • Show empathy to build trust. • Use "Feel, Felt, Found" on objections, and it'll guide decisions. Negotiation is like a dance. Both sides need to move in sync, adjusting their steps as they go, to create a harmonious outcome. And the best dances are choreographed long before the music starts. So, what’s been your biggest negotiation breakthrough? Have you ever unlocked a deal by shifting focus from demands to solutions? Found success by preparing better than your counterpart? Drop your story in the comments—I’d love to hear it. Or DM me if this resonates with a challenge you’re navigating. Let’s talk about what works.

When the titles fall away, what remains is the life we have lived. That was the profound realisation shared at the PHOENIXUS bash, as Janet Ang, Georgette Tan Adamopoulos, Ai Hua Ong & Kay Kutt shared stories of reinvention & the courage to begin again. We left with one thought ringing clear: legacy is not only what we leave but how we choose to live, everyday. Here’s some practical, compassionate ways to shape a life that matters now & echoes long after. 1) Choose your tribe The company we keep shapes our days & our mindset. Surround yourself with people who reflect the values you want to practise: positivity, generosity, curiosity, resilience. Strong social ties are emotionally nourishing & life‑extending. 2) See retirement (or any transition) as a 2nd act, not a curtain call Stepping away from a corporate title opens new spaces to teach, create & serve. Consider the idea of a “2nd life”: a deliberate chapter to pursue passions you set aside, to travel, mentor, or start something small but meaningful. Volunteering & purposeful activity in later life are linked to better physical & mental health & even slower biological aging. Small acts of service can become big sources of renewal. 3) Keep learning, it keeps you young We heard real joy in Janet’s voice when she spoke about curiosity. Lifelong learning protects cognitive health, boosts wellbeing & gives us new communities and roles to inhabit. Take a class, join a book circle, learn a craft, your brain & your sense of purpose will thank you! 4) Serve as it multiplies your impact Whether mentoring one young leader or offering structured volunteer hours, serving others extends your influence & builds a legacy that lives in people, not paper. Studies show volunteering improves wellbeing, lowers depression & can reduce mortality risk. 5) Invest in embodied self‑care (sleep, mindfulness, movement, joy) We cannot pour from an empty cup. Sleep, movement, mindful practices & good nutrition are the scaffolding for sustained contribution. Protect your health so you can keep giving. 6) Choose joy & practice gratitude We closed the night with simple reminders: smile, stay curious & be deliberate about what “enough” means. Legacy is equally measured by the light you leave in people’s hearts, the laughter, the encouragement, the daily warmth. Time is non‑renewable. How you spend it reflects where your purpose lies. Prioritise ruthlessly. Love fiercely. Teach generously. Rest intentionally. And in every small act, ask: Does this decision add to the life I want to live now? If you left the panel inspired, let that inspiration move you to action. Call an old friend. Share a skill with a younger colleague. Sign up for a course. Volunteer one hour this month. Small practices, lived consistently, become the legacy you get to experience while you’re still here to enjoy it. Thank you to all who made the conversation honest, brave & real! #Phoenixus #LivingALegacy #LifeWellLived

True Partnerships Need More Than Contracts. They Need Fair Value. I’ve often thought about what it would be like to be on the other side of the table, as a client hiring an agency. I’ve spent enough years observing what makes these partnerships work… or fail. One thing I’ve learned: every partner, whether strategic or execution-focused, deserves fair compensation and dignity. Where things often go wrong is in expectations. To have an agency as a strategic partner, I must treat them as one, not just in words but also in how I pay them and respect their team. A rule of thumb I’ve found useful: if I’m paying a consulting partner less than I’d pay a senior leader in-house for the same function (say, a chief communications officer), I shouldn’t expect them to deliver at that level. If I’m only willing to pay for execution, that’s fair too, but then I must own the strategic direction myself. Some reflections on building a true win-win partnership: -Value over cost: Negotiation should focus on outcomes and expertise, not just the lowest price. -No rearview pricing: What a previous agency charged shouldn’t set the benchmark for a new partnership. -Mutual respect: Fair pay includes fair treatment. If I nickel-and-dime or demean the agency’s team, I can’t expect their best work. -Partnership mindset: When agencies are treated like vendors, they respond in kind. Treat them as stakeholders, and they’ll be invested in long-term success. For me, the essence of partnership is simple: clarity in expectations, fairness in compensation, and mutual respect in the relationship. If I want strategy plus execution, I have to invest in it. If I need just execution, that’s perfectly valid, but the strategic weight remains with me. Partnerships flourish when value is exchanged fairly on both sides. That’s when trust grows, creativity thrives, and both the client and the agency win together. And I must say we are fortunate to have clients who are in partnership mode. Gratitude! We have proactively distanced ourselves from the others. Amrit Ahuja Kiran Ray Chaudhury

Your press release habit might be burning bridges with journalists. I have seen companies issuing press releases week after week, and I can tell you exactly where it leads. *Journalists stop opening your emails.* Not because they dislike you, but because you’ve trained them to expect noise. And busy people filter out noise faster than you can produce it. This is media fatigue, and it’s one of the most common self-inflicted wounds in PR. Here’s what works instead: – Use your own channels for incremental news. Share appointments, minor updates, small wins on LinkedIn, your blog, your newsletter. They matter to your audience, but they’re not stories a journalist needs to write. – Save journalist outreach for developments that genuinely affect the market. A fundraise, a new market entry, a product that changes how something works deserve a thoughtful pitch, not a bulk email blast. – Choose the right format for the right story. Some announcements call for a press release, some are better as an exclusive pitch to one journalist, while some work best as a bylined article. The format should match the weight of the news, not default to the same template every time. When you send journalists only the things worth their time, something interesting happens. - They start reading your emails again. - They pick up the phone when you call. - They remember your name for the right reasons. That’s what strong media relations actually look like. #StrategyVerse #PublicRelations

Most B2B leaders do not think about legacy until somewhere around year seven, and by then the window to build one has narrowed. The pattern I see, over and over, in conversations with founders and C-suite operators at enterprise companies: years one through five are survival. Years five through seven are scale. And then somewhere in year eight, the question lands. What am I actually building? It's not the company. The thing underneath the company. The people you developed. The category you shaped. The way the industry talks about a problem because of how you framed it. Legacy in #B2B almost never comes from the product. Products get acquired, sunset, replaced ♻️ Legacy comes from the operators you trained who went on to run their own companies, the frameworks you put into the world, the way your name shows up in someone else's keynote 15 years later. The leaders who build that kind of legacy start in year one, not year eight. They mentor before they have time. They write before they feel ready. They name what they are doing while they are doing it, so the work is legible to the people who come after them. You cannot build a legacy in retirement. You build it now, in the messy middle, while everyone else is heads down on the quarterly number. *** If this was useful, ♻️ repost and ✅ follow Goldie Chan for more on B2B leadership, executive coaching, and the personal branding playbook I wrote a whole book about with Hachette 💚

Legacy isn't something you leave. It's something you build. Recently a CEO told me, "I don't think about legacy. That's ego talk." But then they spent the next hour describing how they're at the epicenter of everything going on in their organization, even though they plan to exit in 12 months. Here's what I've learned after nearly 30 years of building alongside incredible leaders: The ones who claim they don't care about legacy are often the most obsessed with it. They're just wrong in how they act on it. Legacy isn't about being remembered. It's about what keeps running after you stop. Real legacy looks like this: The producer you mentored who's now mentoring three others. That's exponential impact. The tough (and unpopular) call you made five years ago that's still paying dividends today. Because you chose the long game over the easy win. The systems you built that run without you. Not because you're replaceable, but because you made everyone around you irreplaceable. Here's the truth: If you're leading people, you're already building a legacy. The only question is whether it's intentional or accidental. The leaders who get this right aren't playing for applause at their retirement party. They're playing for what happens the Monday after they're gone. They're building coaching trees, not monuments. They're creating systems, not dependencies. They're multiplying capability, not protecting territory. You want to build something that matters? Stop trying to be irreplaceable. Start making everyone around you unstoppable. That's taking agency. That's building legacy. And that's exactly what your people deserve. #Leadership #TakeAgency #BuildLegacy #GrowthMindset #InsuranceIndustry