Cash Flow Stewardship
A standing advisory cadence that maps weekly cash against supplier terms, payroll, and GST so owners stop borrowing from next month.
Consultations
Human-delivered financial management advisory for New Zealand small businesses — cash flow, margins, forecasts, owner pay, and quarterly checks.
Profit Margin Review
A fixed-scope look at pricing, job costing, and contribution so you know which offers fund the business and which quietly drain it.
Forecast & Scenario Planning
Two working sessions that stress-test the next 90 days against sales dips, hire timing, and GST quarters before you commit cash.
Owner Pay Structure
Separate tax buffers, owner wages or drawings, and operating cash so your household and the business stop competing for the same dollar.
Quarterly Business Health Check
A focused half-day review of cash, receivables, and upcoming obligations between fuller stewardship retainers.