Small Business & Side-Hustles
Pay Yourself First.
Our approach is clear.
Pay yourself first.
Small business owners are some of the hardest working people in Australia and at the same time are usually the last to get paid.
I saw it during my time as a tax accountant and I’m still having similar conversations now in my capacity as a financial adviser. Small business owners would pay their staff, suppliers, landlord, bank and the Tax office, all before ever paying themselves.
Our approach is clear – pay yourself first.
Running a business or side hustle creates unique financial challenges and opportunities. Irregular income, business expenses, cashflow pressure, and blurred lines between business and personal finances make generic advice unhelpful.
We specialise in helping business owners and side-hustlers build personal wealth without sacrificing the health of their business.
Small business owners need a financial strategy
We want to provide you with a clear system where the effort you put into your business actually translates into personal financial freedom.
Ensuring there are appropriate goals set each year, ways to build personal wealth from the business in a tax-efficient manner and that business and personal cashflow are clear and separate.
- Separating and optimising business vs personal cashflow
- Structuring drawings, salary, and dividends efficiently
- Maximising super contributions from business income
- Tax-effective business structures (company, trust, etc.) and when to review them
- Building personal wealth while growing your business
- Planning for business exit or succession
- Liaising with your accountant so we’re all on the same page
How we help you stay on track towards the financial future you want.
01
Discovery Session
We map your current business structure, cashflow, tax position, and personal goals.
02
Integration
We build strategies that serve both the business and your personal wealth.
03
Implementation
We coordinate with your accountant where needed and set up clear systems.
04
Ongoing Support
Regular reviews to adapt as your business evolves.
- A tailored Business + Personal Wealth Strategy
- Clear cashflow systems that support both business growth and personal savings
- Confidence that your business is working for you - not the other way around
- Tax-efficient ways to extract and grow personal wealth
- Retirement and exit planning that reflects the value of your business
Small Business & Side-Hustle FAQ's
How much should I be paying myself from the business?
We help you find the right balance between reinvesting in the business, paying yourself a sustainable amount, and building personal wealth.
Should I run my new business through an entity or in my own name?
We explain the pros, cons, costs, and tax implications for your specific situation and goals.
How can I reduce my tax legally as a business owner?
We focus on legitimate strategies such as super contributions and effective structuring.
What happens to my personal finances if my business has a bad year?
We build buffers, separate cashflow systems, and contingency plans so a tough business period doesn’t derail your personal goals.
How do I plan for eventually selling or exiting my business?
We help you identify options to structure the sale for tax efficiency, and decide how the proceeds feed into your retirement and investment strategy.
Let's have a chat!
Want to know your next best step? Fill out the form below and book in for a call with our friendly team.
Call us at (101) 500 0200 or fill out our form, and we’ll contact you within one business day.