VBD Business, Tax & Wealth Advisers

VBD Business, Tax & Wealth Advisers Since 1982,VBD has been committed to delivering superior business, tax & wealth solutions to clients

The Business Owner Who Nearly Bought the Wrong ThingA client once came to us in late June convinced they needed to purch...
03/06/2026

The Business Owner Who Nearly Bought the Wrong Thing

A client once came to us in late June convinced they needed to purchase equipment before EOFY.

They'd been told:
"Buy something or you'll pay more tax."

It sounded logical.

But when we reviewed their situation, the equipment wasn't needed immediately.

The purchase would have:

reduced available cash
increased pressure over the following months
solved a tax concern while creating a cashflow concern

Instead, we worked through the numbers and developed a better plan.

The outcome?

The client kept more flexibility, avoided unnecessary pressure, and still achieved a good result.

This is why EOFY conversations matter.

Sometimes the best decision is not the one everyone else is making.

If you're considering a significant EOFY purchase, email VBD first. A quick conversation could save you making an expensive decision.

Stop Making EOFY Decisions Based on Tax AloneEvery June, business owners start hearing advice from everywhere.Buy equipm...
02/06/2026

Stop Making EOFY Decisions Based on Tax Alone

Every June, business owners start hearing advice from everywhere.

Buy equipment.
Spend money.
Reduce profit.
Purchase this.
Claim that.

The problem?

Many EOFY decisions are made with tax as the only consideration.

Good business decisions should consider:

cashflow
profitability
future plans
business needs
financing requirements

Not just tax.

Buying something purely because it's deductible can still hurt cashflow if it wasn't needed in the first place.

EOFY should never become an excuse for poor business decisions.

The best decisions are the ones that improve the business first and happen to have tax benefits as a bonus.

Before making any major EOFY purchase, email VBD. We'll help you understand the financial impact beyond the tax deduction.

Joshua's EOFY Reality CheckOne thing Joshua sees every June is business owners looking for a magic solution.A last-minut...
01/06/2026

Joshua's EOFY Reality Check

One thing Joshua sees every June is business owners looking for a magic solution.

A last-minute strategy.
A quick fix.
A way to dramatically change the outcome before EOFY.

The reality is usually less exciting but far more useful.

Most EOFY success comes from understanding your position early enough to make informed decisions.

Joshua spends a lot of June helping clients answer questions like:

What does the current profit position look like?
What obligations are likely coming?
What decisions still make sense before 30 June?
Which decisions should wait until the new financial year?

Good advice isn't about creating panic.

It's about helping business owners separate:
What matters
From
What doesn't

The business owners who feel calm at EOFY are rarely the ones doing the most.

They're usually the ones making informed decisions.

If you're unsure what still matters before 30 June, email VBD and ask to speak with Joshua. We'll help you focus on what actually deserves attention.

The Most Expensive EOFY Mistake Isn't TaxWhen most business owners think about EOFY mistakes, they think about tax.But s...
01/06/2026

The Most Expensive EOFY Mistake Isn't Tax

When most business owners think about EOFY mistakes, they think about tax.

But surprisingly, that's not usually the biggest issue.

The most expensive mistake we see is business owners simply not knowing where they stand.

Every June we meet owners who:

don't know their current profit position
don't know what tax may be coming
aren't sure how much cash they can safely spend
are making business decisions based on assumptions rather than numbers

The problem isn't a lack of effort.

The problem is a lack of visibility.

When business owners don't understand where the business currently sits, they often:

delay decisions
overspend
become overly cautious
miss opportunities

EOFY isn't just about compliance.

It's about understanding your position clearly enough to make good decisions.

The businesses that navigate June best aren't necessarily the most profitable.

They're usually the ones with the clearest understanding of where they stand.

If you still don't have a clear picture of where your business sits before 30 June, email VBD. We'll help you understand your position before decisions become rushed.

What’s One Financial Habit You Know Would Improve the Business?Not a massive goal.Just one thing that would make a diffe...
28/05/2026

What’s One Financial Habit You Know Would Improve the Business?

Not a massive goal.

Just one thing that would make a difference if it became more consistent.

Maybe:

reviewing numbers monthly
following up invoices faster
separating business and personal spending better
understanding cashflow more clearly
asking for advice earlier

Most business improvement happens through habits, not huge breakthroughs.

And May is a great time to reset the ones that aren’t serving you anymore.

If there’s an area of your business finances you know needs more consistency, email VBD and let’s talk about how to simplify it before EOFY.

The Business Owner Who Finally Started Looking MonthlyA business owner once admitted they used to avoid looking at their...
27/05/2026

The Business Owner Who Finally Started Looking Monthly

A business owner once admitted they used to avoid looking at their numbers unless they absolutely had to.

Not because they didn’t care.
Because they were busy, overwhelmed, and unsure what they were even looking for.

They’d only really engage with the financial side of the business when something felt stressful.

Eventually, they changed one simple habit:
👉 they started reviewing things monthly instead of reactively.

Not obsessively.
Not for hours.

Just regularly enough to stay connected.

Within a few months, they noticed:

fewer surprises
better decisions
calmer cashflow conversations
more confidence around planning

The business itself didn’t radically change.

But their relationship with it did.

And that changed everything.

If you’ve fallen out of the habit of properly reviewing your business finances, email VBD and we’ll help you get reconnected before EOFY.

The Businesses That Handle Pressure Best Usually Prepare EarlierSomething we notice every year is this:The businesses th...
27/05/2026

The Businesses That Handle Pressure Best Usually Prepare Earlier

Something we notice every year is this:

The businesses that handle EOFY pressure best usually don’t do anything dramatic in June.

They’ve simply built better habits throughout the year.

They:

keep records cleaner
ask questions earlier
stay closer to cashflow
review things before they become urgent

As a result, EOFY becomes more of a process than a panic.

This is important because financial pressure is rarely caused by one moment.

It’s usually the accumulation of:

delayed decisions
unclear numbers
avoided conversations
reactive habits

May is a good reminder that calm businesses are usually built through consistency, not crisis management.

If you’d like EOFY to feel more organised this year, email VBD and we’ll help you identify the small financial habits worth improving now.

Joshua’s Observation: The Best Business Owners Stay CuriousJoshua often says one of the best traits a business owner can...
25/05/2026

Joshua’s Observation: The Best Business Owners Stay Curious

Joshua often says one of the best traits a business owner can have is curiosity.

Not perfection.
Not knowing everything.
Just staying curious enough to ask:

“Why is this happening?”
“Does this still make sense?”
“Is there a better way to structure this?”

The strongest businesses Joshua works with aren’t always the biggest.

They’re usually the ones where the owner stays engaged with the financial side of the business instead of disconnecting from it completely.

That doesn’t mean obsessing over reports every day.

It means:

asking questions
understanding trends
noticing changes early
staying connected to how the business actually operates

Because when curiosity disappears, autopilot usually takes over.

And autopilot is where small issues quietly grow.

If you’ve felt disconnected from the financial side of your business lately, email VBD and ask to speak with Joshua. A simple conversation can reconnect a lot very quickly.

Good Businesses Usually Aren’t Built on Big MomentsMost business owners think success comes from big wins.Landing the bi...
25/05/2026

Good Businesses Usually Aren’t Built on Big Moments

Most business owners think success comes from big wins.

Landing the big client.
Hiring the right person.
A huge month of sales.

And yes, those things matter.

But what usually shapes a business long term are the smaller habits that happen consistently in the background.

Things like:

reviewing numbers regularly instead of avoiding them
following up invoices quickly
understanding where cashflow tightens
checking whether pricing still reflects reality
asking questions early instead of waiting until something feels urgent

None of these things are exciting.

But they’re often the difference between a business that feels stable… and one that constantly feels reactive.

By May, most business owners are busy enough that habits take over.

That’s why this is a good month to ask:
👉 Are our current habits helping the business move forward or just keeping it moving?

Because businesses rarely drift into success accidentally.

If you want help identifying the habits that may be helping or hurting your business financially, email VBD and let’s take a look before EOFY.

21/05/2026

What Part of Business Feels Heavier Than It Should Right Now?

Not the obvious hard things.

The things that quietly drain you.

Maybe it’s:

cashflow uncertainty
carrying too much personally
feeling unclear on where the money goes
constantly solving problems
being busy without feeling ahead

Those feelings matter.

Because often, they point to areas of the business that need attention — not more effort.

And the earlier they’re understood, the easier they are to improve.

If something in your business has been feeling heavier than it should lately, email VBD. Sometimes the biggest breakthroughs start with an honest conversation.

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