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We will help your business grow, profitably.

Business Advisory

At Apiary Financial, we take the time to understand your unique business so that we can provide meaningful and personalised coaching and advice designed to meet your objectives. Our clients operate in a range of industries including manufacturing and construction, architecture, information technology, specialist medical services and general practitioners, professional services, transportation, import / export services and many more.

Our qualified Chartered Accountants will work through a structured advisory and coaching process in partnership with you, that is tailored to your business and industry and designed to increase business profits, minimise risk and increase the value of your business.


Apiary Financial Better Business Program

Data collection and assessment phase
  1. Business Needs Analysis – Take our free Business Needs Assessment Survey today.
  2. Initial Business value and risk assessment
  3. Further detailed assessment via our tailored business risk and value driver assessment tool.
Data Analysis and Goal Setting Phase
  1. Comparison of business metrics to industry benchmarks and value gap analysis.
  2. Business SWOT analysis (strength, weaknesses, opportunities, threats) and workshop
  3. Establish business / owner goals, action plan, responsibilities and implementation timeframe
  1. Tailored Business Implementation Plan Report
  2. Meeting to discuss Business Implementation Report and prioritise action items
  3. Establishment of CFO Program or Board of Advice program to implement strategies and achieve ongoing results
  4. Ongoing review and assessment of business value / growth

CFO Program

Our CFO Program provides you with the knowledge and expertise of an external or virtual CFO on a regular basis, and has been designed to focus on supporting you and developing your business to become an industry leader.  By meeting regularly and providing you with accurate, timely financial information, our CFO program will assist you in growing sales, managing key operating costs and improving profit and cash flow.

Take our Free Business Survey today.

The CFO Program Includes:

Accurate Financial Reporting
Accurate Financial Reporting
Create customised reports that tell you how your business is truly performing - the good, the bad and the ugly.
Regular Meetings
Regular Meetings
You decide how the CFO interacts with you and your team. We combine face to face meetings, webinars and conference calls to discuss:
  • Profit and Loss and Cash Flow variances
  • Benchmarking and KPIs results;
  • Implementing improvement strategies and action plans.
Annual Budgeting and Forecasting
Annual Budgeting and Forecasting
Ensure your business is operating within its means by preparing and regularly monitoring annual Profit and Loss, Cash Flow Budgets and Forecasts.
Access to Specialists
Access to Specialists
If needed, we can call upon other experts for specialist advice in human resources, IT, marketing, legal or other areas.
Benchmarking and Key Performance
Benchmarking and Key Performance
Pin point your business strengths and weaknesses by using industry benchmarking information.
The CFO uses KPI ratio analysis to identify your best opportunities for business improvement.
Goals and Action Plans
Goals and Action Plans
The CFO can support you to develop and then implement a formal Action Plan that makes your team accountable for delivery.

Board of Advice

Our Board of Advice (BoA) Program supports businesses owners on an ongoing basis, with growing the business and meeting personal and business objectives.

By identifying areas for improvement and providing a tailored plan for development and growth, the Program allows business owners to address their key strategic and operational challenges while developing their own internal business management skills. The key outcome is the successful implementation of growth, value improvement and succession planning strategies supported by independent and objective advice from a trusted team of specialists.

Take our Free Business Survey today.

The BOA Program Includes:

Indicative Business Value Estimate
Indicative Business Value Estimate
We provide an indicative business value estimate at the start of our engagement to identify value improvement opportunities.
Strategic, Operational and Governance Matters
Strategic, Operational and Governance Matters
The BoA provides a structured decision making process. Regular attention to management issues, with external input reduces business risks and threats and ensures urgent matters are addressed.
Regular Meetings
Regular Meetings
Using formal face to face meetings, the BoA addresses your priorities by developing and documenting Agendas, Minutes and Action Plans to implement your chosen goals and strategies.
Maximise your Sale Price
Maximise your Sale Price
The BoA provides support to implement 'best practice' procedures and develop internal skills so your business can operate without you. This allows you to prepare your business for sale, or your exit from day to day operations.
Financial Performance Management
Financial Performance Management
We support BoA meetings with in-depth analysis of key profit, cash flow and value drivers including:
  • Establishment, management, and review of annual profit and loss and cash flow budgets;
  • Profit/cash flow optimisation analysis;
  • Review of Financial & Industry Benchmarks;
  • Review of Bank and other key Stakeholder commitment.
Demonstrated Value of Program
Demonstrated Value of Program
We will provide an updated indicative business value estimate on the anniversary of our engagement to show you how the BoA service has improved the value of your business.

We then update your estimated net worth to highlight the growth in your wealth and reduced value gap risk.

Structuring Advice


Getting the right business structuring advice upfront is crucial when you are looking to establish a business or pursue an investment opportunity.  The structure you choose may significantly influence your overall financial / tax position, and therefore may impact upon your business value, growth potential, and your personal wealth.

We can assist you in finding the structure that is appropriate for you and your new business or investment opportunity.  Our advice is designed to protect your assets, provide you with flexibility and minimise taxation where possible. 

  • Proprietary Companies
  • Discretionary Trusts
  • Unit Trusts
  • Partnerships
  • Self-Managed Superannuation Fund

Sometimes, a combination of the above structures is used to minimise the potential risks and liabilities to you and your business, and help improve your income tax position. 

As registered tax agents, we will also attend to all of the necessary ATO registrations that may be required as part of establishing your new business or investment entity including:

  • Tax File Number
  • Australian Business Number
  • Goods & Services Tax (GST)
  • Pay As You Go Withholding (PAYGW)
  • Fuel Tax Credits
  • Fringe Benefits Tax

If you are starting a business, looking at a new investment opportunity, or feel your business could benefit from a business structure review, contact us today.


Covid-19 Recovery

Let us help you to recover and re-grow your business

The business landscape has shifted significantly.  Non-financial, internal and external risks - most notably COVID-19 - have had a devastating impact on businesses, with many having to close and face the prospect of never reopening.

Our latest research confirms that SMEs that identify, adapt and take advance of opportunities will survive and emerge stronger.

Our 3-step Business Recovery Program will help you develop your own Recovery Plan:

  1. Complete a free Short Risk and Value Driver Assessment;
  2. Contact us to arrange your one-on-one Business Recovery Workshop; and
  3. Receive ongoing support to implement your recovery and regrowth action items.

Learn more

Risk Diagnostic
Risk Diagnostic
Based on your responses to the RAVDA, data analytics will pinpoint areas of high concerns and value drivers you need to focus on to stabilise and grow your business.
Workshop & Report
Workshop & Report
The online workshop is facilitated by one of our business advisory specialists. At the end of the workshop, you will be able to generate a report that includes SME sector benchmarks and research statistics, your business's SWOT analysis, and goals, strategies and action items with implementation timelines.
Support Packages
Support Packages
We offer a range of packages that can be tailored to your individual needs and budget.

Take back control of your business

Prepare your own Business Recovery Plan Report and access support tailored to your needs and budget.

Start your recovery plan by completing our free Short Risk and Value Driver Assessment (RAVDA) to identify key non-financial risks in your business.  It combines your RAVDA information with data analytics to pinpoint areas of high concern and value drivers you need to focus on to protect one of your major sources of income and wealth - your business!

Start your free Short Risk and Value Driver Assessment now

You can save and exit the assessment at any time - simply save the browser address to your desktop and save your answers by clicking Save at the bottom of the page.

On completion, you can:

  • Download your personal Business Performance Indicator Report;
  • Contact us for your one-on-one online planning workshop to prepare your own Business Recovery Plan Report. 

Your online workshop will be facilitated by one of our business advisory specialists.  

Contact us to register your interest in our Online Business Recovery Workshop.