For agents who’ve built it for someone else long enough

You’ve spent years building their name. You could have been building yours.

Peter Hutton holding Keep 100% Of What You Earn
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Keep 100% of What You Earn isn’t motivation. It’s the book that treats you like the professional you already are — someone who’s earned the right to ask why their name isn’t on the door.

Peter spent thirty years in real estate before he wrote a word of this book. He built Hutton & Hutton Real Estate from a 38sqm office in Fortitude Valley to three locations, 30 staff, and $200M in annual sales. Then he lost the business. Then he rebuilt.

Most people teaching independence have read about it. Peter’s lived both the winning and the losing — and this book has both in it.

The number most agents have never actually calculated

A $500k GCI writer on a 70/30 split inside a major franchise keeps $315,000 after the franchise takes its cut. The same agent, properly structured as an independent, keeps $440,000.

$113,000

Every year. Same production. Same clients. Same suburb.

Most agents who reach this point don’t talk about it out loud.

You do the maths one afternoon. You look at what you wrote in GCI last year, then you look at what you actually kept, and somewhere in that gap is a number that’s hard to un-see. A number that represents listings you worked, clients you earned, a reputation you built — and a significant percentage of it going to a brand that isn’t yours.

It’s not that independence never crossed your mind. It’s that the story you’ve been told about what it requires made it feel out of reach. Too complex. Too expensive. Too risky without the group behind you.

That story is wrong. And this book, chapter by chapter, proves it with specifics — not inspiration.

30 Years in real estate
$113k Extra per year at A$500k GCI
10 Weeks from zero to launch-ready
7 Chapters + bonus resources
90 Day Success Roadmap included
Who this is for

If you've ever pictured
your name above the door.

This book is for experienced agents who've sat with a GCI number and done the maths on their commission split. You've worked out what you're handing over every month, what you'd keep at 100%, and how big that gap actually is over five years. That gap has a name. It's the cost of building someone else's business instead of your own. This book is for agents who are ready to close it.

01

The experienced agent at a franchise

You're writing $500k–$1M+ GCI. You've built the relationships. The brand on the door is taking credit for results that are yours. You've done the maths on your split and it doesn't sit right anymore.

02

The "powered by" agent watching the gap grow

Your income is rising. So is the amount you're paying for admin support that a VA handles for $2,800 a month. You're funding someone else's growth at exactly the moment you should be building your own.

03

The agent who's already thinking about the move

You've looked at what independent agencies in your market are doing. Some of them are competing with the big groups and winning. You want to know exactly how they built it — before you make any decisions.

04

The buyer's agent

Independence matters just as much on the buying side — arguably more, given how fast the category is growing and how hard the incumbents are working to keep buyer's agents dependent. Chapter 5 is built for you.

This book isn't for everyone. If you're in your first two years and still building your database, come back in a couple of years. If you're looking for motivation, there are better books for that. Chapter 3 is an honest self-audit — it will tell you whether independence is actually right for you, and if the answer is no, that's genuinely useful to know before you spend money finding out the hard way.

The real cost of staying
You're not just leaving money on the table. You're leaving your name there too.

Every year you spend inside someone else's brand, you're doing two things at once. You're building their equity and yours, but only one of you will own it when it matters.

That's the part the split calculation doesn't capture. The percentage is just the number. The deeper cost is what happens to your professional identity when the name on the door isn't yours. When clients love you but tell their friends to call the brand. When you leave and the database stays behind.

Then there's the complexity myth. Franchises and "powered by" groups have a structural interest in agents believing independence is complicated. Because the moment you stop believing that, you run the actual numbers. And the actual numbers almost always favour leaving.

This book takes apart both arguments with specifics. Not inspiration. Not general principles. The real tech stack costs. The real brand-build process. The actual compliance requirements. The real backend, documented and demystified.

And the real failures. Because the author's agency collapsed in 2023, and the lessons from that collapse are worth more than the ones from the success.

What they’re actually selling you

The split isn’t a fee.
It’s a tax on your own results.

Every time you close a deal, a percentage leaves. Not for something you chose. Not for something you could build yourself or walk away from. For a brand someone else owns, a backend someone else controls, and a story someone else is telling about your market.

That’s not a business arrangement. That’s a lease on your own career.

The agents who make the move don’t do it because they ran a spreadsheet. They do it because at some point the feeling of building something that’s entirely yours — your name, your decisions, your client relationships, your culture — stops being a nice idea and starts being the only one that makes sense.

The numbers support the decision. But they’re not the reason for it.

01 Your name on the door, not theirs
02 Your clients, not the brand’s clients
03 Your culture, built your way
04 Your income, kept in full
The Founder's Split Table

What you actually keep.

Find your GCI. Find your split. Then look at what the gap means compounded over five years.

GCI Split Franchise take-home* Independent take-home** You keep extra
$500,000 GCI
70/30 split$315,000$440,000+$125,000
80/20 split$360,000$440,000+$80,000
90/10 split$405,000$440,000+$35,000
$750,000 GCI
70/30 split$472,500$690,000+$217,500
80/20 split$540,000$690,000+$150,000
90/10 split$607,500$690,000+$82,500
$1,000,000 GCI
70/30 split$630,000$940,000+$310,000
80/20 split$720,000$940,000+$220,000
90/10 split$810,000$940,000+$130,000

*Franchise take-home assumes a 10% off-the-top franchise fee before the split is applied. **Independent take-home assumes $60,000 annual operating costs (solo agent plus part-time VA). Full breakdown in Chapter 2.

"The gap isn't what you earn. It's what you keep. And it compounds every single year."
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What's inside

Seven chapters.
No padding.

Every chapter covers ground that matters. No warm-up sections, no chapter summaries telling you what you just read. The book is the conversation — the one agents have been asking for over coffee for fifteen years.

01 The argument
The Lie They're Selling You
Two lies, two directions, both designed to stop you from running the numbers. This chapter names them and takes them apart.
02 The financial case
You're Paying $150k for a Brand You Could Own
Real numbers at real GCI levels. The Founder's Split Table. The quieter financial argument most agents never think about until they've left.
03 The internal audit
Who Are You When There's No Brand Behind You?
The Founder's Stack. The vision work. The question most agents skip and every agent regrets skipping. Includes the self-assessment tool.
04 Brand strategy
The Picasso Method: Don't Copy. Steal.
How the best independent real estate brands in Australia were built — and the specific process for building one at the level you're reaching for.
05 Operations
The Backend Is Not That Hard
The full tech stack, documented. What it contains, what it costs, how to build it. The Bawt buyer's agency build — from zero to launch in ten weeks.
06 Team & culture
Agents Don't Join Agencies. They Join Futures.
How to build something that attracts the right people. Culture frameworks. The recruitment booklet that actually works. Why most small agencies lose good agents.
07 The launch
Don't Launch Until You've Read This
The nine ways new agencies stall before they get traction, and the launch playbook that avoids all of them. First 90 days, mapped week by week.
The interlude
What I Got Wrong
H&H closed in 2023 after ten years. This chapter exists because those lessons are more useful than the wins. Read it before the practical chapters begin.

A note on the Interlude. Most business books skip the failure chapters or bury them in the acknowledgements. This one doesn't. Hutton & Hutton Real Estate closed after a decade. The author spent more time and money keeping the business alive than he should have — and the pattern he missed is one most agency principals repeat at some point. The Interlude is the chapter the book needed most and the one nobody would have asked for.

Available in two formats
141 pages of hard-won know-how.
Your choice of how you read it.
Keep 100% Of What You Earn — ebook on iPad
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Print edition
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Softcover. Something to put on your desk, put tabs in, and come back to. Ships across Australia.

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Your Independence Starter Kit

Six bonus resources.
Free. No catch.

Every tool in this kit was built specifically for the book. They ship with your purchase. The download instructions are inside the ebook itself.

01
The Founder's Stack Self-Assessment
Rank Control, Cash and Equity to discover what your combination predicts about your independence journey before you spend a dollar finding out the hard way.
PDF · 5 pages
02
The Founder's Split Table
True take-home across five split tiers at $500k, $750k, $1M and $1.5M GCI — with the 10% franchise deduction most agents have never seen laid out plainly.
PDF · 3 pages
03
The Complete Agency Build Checklist
Every step from ASIC registration and CRM setup through to brand activation and launch day. One checklist. Work through it in order.
PDF · 5 pages
04
The 90-Day Success Roadmap
Week-by-week milestones across months one, two and three. Brand rollout, database activation, first listing targets, and review checkpoints in sequence.
PDF · 5 pages
05
Recommended Tech Stack & Supplier Directory
Every tool and supplier your agency needs — with direct links so you go straight to the source, not a middleman.
PDF · 9 pages
06
10 Ways to Build Your Database from Day One
The ten highest-return database-building activities for a new independent agency, from the first 100 calls through to referral systems and local marketing.
PDF · 4 pages

All six resources are free. No upsell. No opt-in beyond your purchase confirmation.

What people are saying

From people with
standing in the industry.

The Huttons built a brand that confidently won through clarity, design, and real substance. Flornt is a natural extension of that thinking, focused on strength not noise alone.

Pete and Karen understand what most miss. Independence only works when it’s designed properly. Karen and Peter gave us clarity. Our brand feels calm, intentional, and built to last.

Featured case study inside the book

About 10 years ago I attended Peter and Karen Hutton’s independent agency, branding workshop. What stood out was how practical and real it was. It wasn’t theory, it was about building a genuine brand, understanding positioning, and creating a business that actually reflected who you are. The workshop gave me clarity and confidence to build my own independent agency, which I went on to run successfully for nearly a decade. Looking back, it was one of the most valuable business decisions I made.

Peter Hutton has been ahead of the curve in independent real estate branding for as long as I’ve known him, which is close to 30 years now. Long before personal branding, digital marketing and AI became industry buzzwords, Peter was building Hutton & Hutton into one of Australia’s most recognisable independent agencies through smart positioning, bold marketing and a deep understanding of how great brands actually connect with people. What I respect most is that this book isn’t theory. It comes from lived experience, real wins, hard lessons and decades inside the trenches of the industry. If you’re an agent thinking about building your own brand and keeping more of what you earn, this book will challenge the way you think about independence, marketing and the future of real estate.

I’d been trading as Trendall Real Estate for years. It worked, but the name was just my name. Peter helped me think about what the brand actually stood for. Local knowledge, community trust, deep roots in one suburb. That became The Local Agent. The name, the domain, the ASIC registration, Peter worked through all of it. The brand still feels right today, and it’s mine permanently.

Peter Hutton
"The GCI split ceiling is real.
It's just not permanent."
Peter Hutton — Keep 100% of What You Earn
The author’s story
Peter Hutton
Peter Hutton
Founder, Flornt & Indie Founders

He built it. Lost it.
Rebuilt himself. Now he’s telling you everything.

In 2015, Peter Hutton opened a 38-square-metre office in Fortitude Valley and called it Hutton & Hutton. He built it from there. Three offices. Thirty staff. $200 million in annual sales. A heritage-listed building on Brookes Street that made people slow their cars down to look.

It was one of Brisbane’s most recognised independent agencies. And in 2024, it closed.

The reasons are in the book — all seven of them, named and documented without omission. Governance structures that didn’t hold. A lease signed on optimism. Expansion before the foundation was ready. And a founding principal who didn’t understand the difference between being a creator and being an operator.

Peter didn’t write this book from the vantage point of unbroken success. He wrote it from the other side of something harder — the decision to take everything he’d learned, everything that worked and everything that didn’t, and turn it into something useful for people who are still building.

Most real estate coaches talk about what they’ve won. Peter talks about what it cost him to win and lose both. That’s what makes this different. Not just in tone. In depth.

The blueprint in this book is tested. What brought H & H down wasn’t the independence model. It was the decisions made inside it. And those decisions — the ones he got wrong — are the most valuable pages in the book.

“The WW2 planes that didn’t make it home can’t tell you anything. They never landed. I’m trying to be the exception to that rule.”
The H & H story

From one desk to 30 staff.
And everything after.

2014
Working from home at the dining table.
2015
First H & H office. 38sqm. Fortitude Valley. One desk.
2017
Second H & H office. Hawthorne. 5 new team members.
2018
Moved Fortitude Valley office to a 150sqm prominent position. New Farm.
2022
Third H & H office. Team size forces the use of an external training room.
2022
Peak. 30 staff. $200M. H & H at its highest. All office spaces at capacity.
2023
Brookes Street HQ. 300sqm. The building that cost too much, too soon.
2024
The business closes. Seven lessons get written down.
2026
Keep 100%. Everything learned. None of it softened.
Brookes Street HQ, Fortitude Valley
Brookes Street HQ, Fortitude Valley

Hutton & Hutton Real Estate — Fortitude Valley, New Farm, Yeronga, and Hawthorne, 2015–2024

The Independence Manifesto · Flornt, 2026
01 Most people will spend their whole career making someone else rich. That's not a judgement. It's just what happens when you never ask the question.
02 The question is this: whose dream are you building?
06 The head will always find a reason to wait. The gut already knows.
08 The machine is designed to keep you comfortable. Comfortable is expensive.
09 You've been told the risk is too high. Look again at who's telling you that.
12 If this is you, you already know. The only thing left is to move.
Get the book

Your complete guide
to going independent.

Keep 100% of
What You Earn

A step-by-step plan, not a gee-up. Written for experienced agents who've proven they can do this — and are ready to stop funding someone else's growth with their own GCI.

Every framework in the book was built from real decisions, real results, and in the case of the Interlude, real failure. The blueprint works.

  • 7 chapters covering the financial case, brand strategy, operations, team, and launch
  • The Founder's Split Table — true take-home at $500k, $750k, $1M and $1.5M GCI
  • The Founder's Stack self-assessment — before you build anything
  • The Bawt buyer's agency case study — zero to launch in ten weeks
  • The Interlude — what went wrong at H&H, and why it matters to you
  • The complete launch playbook and 90-day success roadmap
  • Six free bonus resources included with purchase — delivered alongside the ebook
Ebook — instant download
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Plus your free Independence Starter Kit
What you get
  • Full ebook — all 7 chapters
  • 6 free bonus resource downloads
  • Instant delivery to your inbox
  • Read on any device
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Instant delivery. No subscription. If it's not the most useful $4.99 you've spent on your business this year, email peter@flornt.com.au.
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Last questions

The honest FAQ.

Is this a physical book or an ebook?

Both. The ebook is a PDF delivered instantly to your inbox — read it on your phone, tablet, or laptop. The print edition is a softcover that ships across Australia for A$37.00. You can add the print edition during or after checkout.

I'm writing strong GCI already. Is this still relevant?

That's exactly who the book is written for. The financial case for independence gets stronger the more you write — not weaker. The split table in Chapter 2 is built for agents at $500k, $750k and $1M+ GCI. The higher your GCI, the more expensive staying put becomes.

I'm not ready to make the move yet. Is it still worth reading?

Probably more so. Chapter 3 is a self-audit — it'll tell you whether independence is right for you and what still needs to be in place before you go. Agents who read it 12 months before they move make far better decisions than agents who read it the week before. The book is most useful when you still have time to act on it.

How long will it take me to read?

Most agents read it over a weekend. It's 141 pages — no padding, no filler. Each chapter ends with a practical action section. If you read one chapter a night it's done in a week. The frameworks in Chapters 2, 3 and 5 are the ones most agents go back to more than once.

Is this just a pitch for Flornt?

No. The book stands alone — it's a complete guide regardless of whether you ever work with Flornt or join Indie 50. Six of the seven chapters have nothing to do with either. The conclusion mentions both, honestly, because they're relevant to what comes next for some readers. But the book earns that mention — it doesn't start with it.

What if it's not useful?

Email peter@flornt.com.au and say so. If you read it and genuinely feel it wasn't worth A$4.99, I'll refund you. That's never happened — but the offer stands. A book that doesn't deliver on its promise isn't worth selling.

Get the Book — A$4.99
Your name. Your commission. Your call.
The only question
worth asking is
what you’re waiting for.

At some point, the gap between what you’re earning and what you’re keeping stops being an inconvenience and starts being a decision. This is the book for that moment.

flornt.com.au · peter@flornt.com.au · Byron Bay, NSW

The book gives you the complete picture. If you want to build what it describes — in a guided cohort, with 50 other agents doing the same thing — that’s what Indie Founders is. Three intakes a year. You can find it at indiefounders.au.