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Insights

Clear thinking for important financial decisions.

Practical commentary for business owners, families and professionals across tax, business, wealth and finance.

Illustrative medical consultation room with a stethoscope and cream notebook on a timber desk.Business

A busy medical practice can still be short of cash

Understand what sits between a full appointment book, a healthy practice and the income you can confidently take home.

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Illustrative dental surgery with a navy treatment chair and soft daylight.Business

Buying a dental practice: look beyond the asking price

The purchase price is only part of the commitment. A sound decision starts with what the practice can earn under your ownership.

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Illustrative wholesale packing bench with plain cartons, shelving and a handheld scanner.Business

A 13-week cash-flow forecast that you will actually use

A short weekly forecast can show when the cash pressure arrives, what causes it and which decisions need to happen first.

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Illustrative creative agency desk with layout proofs, muted swatches and a navy notebook.Business

Your books are up to date. Do you need outsourced CFO support?

Good bookkeeping tells you where the business has been. Senior financial input helps you decide what happens next.

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Illustrative quiet theatre stage with a microphone, wooden stool and dark curtain.Accounting & Tax

A strong year in entertainment needs a plan for the quieter one

A large project payment can bring relief without telling you what is available to spend. Plan for the commitments behind it.

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Illustrative neighbourhood restaurant with timber tables, cream linen and a navy banquette.Business

Before opening a second venue, make the first one stand on its own

A full room and a good reputation are a strong start. Expansion needs a clear view of the profit that remains when you step away.

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Illustrative engineering workbench with a building model, drawings and a scale ruler.Business

Bringing a new partner into an engineering firm

Price matters, but a workable ownership transition also needs a funding plan and a clear transfer of responsibility.

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Illustrative physiotherapy room with a navy treatment table, wooden exercise bars and soft daylight.Business

Is your allied health practice ready for a second clinic?

A waiting list is encouraging. The expansion decision still needs to account for people, premises and the practice you already own.

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Illustrative residential building site with timber framing and a white hard hat on a workbench.Business

Profitable jobs, tight cash: the construction owner's problem

Understand the cash required to finish the work already underway before taking on the next project.

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Illustrative creative agency desk with layout proofs, muted swatches and a navy notebook.Business

The retainer is growing. So why is the agency margin shrinking?

A familiar client and a recurring fee can feel dependable. Check what the account asks of your team before judging its value.

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Illustrative consulting meeting room with a timber table, dark notebook and natural light.Private Wealth

Your consulting income is growing. Is your personal wealth?

A strong consulting income is valuable. Turning it into lasting financial flexibility takes a plan beyond the next engagement.

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Illustrative wholesale packing bench with plain cartons, shelving and a handheld scanner.Business

Your wholesale business is growing. Why does it need more cash?

Sales growth can increase the cash committed to stock and customers before the benefit reaches the owner.

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