CFV Advisory - Wealth and Financial Planning

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23/10/2026

💼 How strong is your business financially?

As a business owner, understanding your numbers is essential—not just for running your business, but also if you ever plan to sell it.

In Episode 19, we explore two important aspects of business financial health:

📊 EBITDA: Helps investors assess a business's operating performance.

📑 The Balance Sheet: Shows your assets, liabilities, and net assets, giving you a clearer picture of your financial position.

📈 Ideally, you want to see your net assets grow over time.

The question is: are you tracking the numbers that matter?

🎥 Watch Episode 19, How Strong Is Your Business?, and take a closer look at what your financials are telling you.

💬 Let's talk: When was the last time you reviewed your business's balance sheet?

22/10/2026

🌟 Introducing: Landing Your Retirement — One-Month Course

Our recent Landing Your Retirement seminar was a success, and we're excited to share the next opportunity for people preparing for retirement!

Retirement is a major life transition, and having time to think through your plans and the financial decisions ahead can help you approach this next chapter with greater clarity.

📚 A one-month retirement course from CFV Advisory

Know someone approaching retirement? Share this with them!

👉 Explore the course and registration details here:
https://www.eventbrite.com.au/e/landing-your-retirement-the-course-tickets-2002691712824?aff=oddtdtcreator

21/10/2026

Selling your business is one milestone. Making that money last is another.

After years of hard work, your business sale could represent a significant part of your family's wealth. But what happens next matters just as much as the sale itself.

Before making big decisions with the proceeds, consider four important areas:

💰 Tax: How much will you actually keep after tax?

🏡 Lifestyle: How much will your family need for everyday living, major purchases and future plans?

📈 Investment: How should the proceeds be managed to support your financial goals?

🌱 Legacy: What do you want your wealth to mean for your family and the next generation?

Having a framework for these decisions can help you avoid rushed choices and give your money a clearer purpose.

Your business may have taken years to build. The plan for what comes next deserves the same care.

If you received the proceeds from a business sale tomorrow, what would be your biggest priority?

19/10/2026

Selling your business is a major milestone. But what happens after settlement?

For many business owners, years of wealth have been tied up in the business. Once the sale is complete, the challenge changes: turning those proceeds into a reliable source of income for the family.

Before making big financial decisions, it's worth considering:

💰 How much income will your family need each year?

📈 How should the proceeds be invested to support your goals?

🧾 What tax obligations could arise from the sale?

🏡 How will the money support your retirement, lifestyle and family plans?

In Australia, the tax treatment of a business sale can depend on the business structure, the assets sold and whether relevant concessions apply. Getting the right advice before and after settlement can help you understand your options.

The sale is not the end of your wealth journey. It's the start of a new one.

If you sold your business tomorrow, would you know how to turn the proceeds into long-term family income?

15/10/2026

Are your finances as healthy as you'd like them to be? 💰

Financial fitness isn't simply about earning more. It's about having a plan, building good habits and making intentional decisions with your money.

Just like physical fitness, progress comes from consistency.

The Fit Money ebook helps you assess your financial position, review your spending, strengthen your financial foundations and work towards your long-term goals.

Start with three simple steps:

✅ Protect your financial foundations.
✅ Build savings and wealth.
✅ Sustain good habits through regular reviews.

You don't have to change everything overnight. Start by understanding where you are today.

👉 Explore the Fit Money ebook:
https://fitmoney.cfvfinancialadvisory.com.au/

What's one financial habit you'd like to improve this year? Share it in the comments!

14/10/2026

More value. Less stress. A better outcome for your family.

For many Australian business owners, selling a business represents the culmination of years of hard work. Yet the preparation is often left until a buyer is already on the horizon.

A pre-exit clean-up gives you time to get the important things in order.

That means reviewing your financial records, documenting business processes, checking legal and ownership arrangements, and making sure the business doesn't depend entirely on you.

It also means thinking ahead about the tax implications of a sale and how the proceeds will support your family's future.

You don't need to be ready to sell to start preparing. In fact, preparing early can give you more choices when the time comes.

Imagine selling your business in the next two years. What would you need to tidy up first?

13/10/2026

Retiring in the next 5 years? 👀

The decisions you make before you retire can shape the next 20–30 years of your life, from when to stop work to how your super turns into income.

That’s exactly what we’ll cover at Landing Your Retirement, a small-group seminar with Victor Idoko, CFA, CFP®, SSA.

📅 Thursday, 22 October
🕒 3:00 PM – 5:00 PM
📍 Regus Sydney, Level 45, 680 George Street, Haymarket

We’re keeping it small so there’s real time for your questions, so seats are limited.

👉 Reserve your spot: https://www.eventbrite.com.au/e/landing-your-retirement-tickets-2002018827205?aff=FB

Know someone planning their next chapter? Tag them or share this with them. Partners welcome too.

General information only. It doesn’t take into account your personal objectives, financial situation or needs.

12/10/2026

Planning to sell your business one day? Don't leave the preparation until the last minute.

You may have spent years building a successful business, but getting it ready for sale involves more than finding a buyer.

Financial records need to be organised. Legal agreements and business structures may need reviewing. Important processes should be documented, and the business should be able to operate without relying entirely on you.

It's also worth considering the tax implications of a potential sale and how the proceeds will support your next chapter.

These steps take time, which is why preparing early can give you more options when the time comes to exit.

A little preparation today could make the transition smoother tomorrow.

If you were planning to sell your business within the next 12 months, what would be the first thing you'd put in order?

09/10/2026

If you couldn't work again, what would happen to your business?

Business owners often plan for retirement, succession and what happens if they pass away. But there's another risk worth considering: surviving a serious illness or injury and being permanently unable to work.

Unlike life insurance, Total and Permanent Disability (TPD) insurance is designed to address permanent disability. When owned by the business, it can provide a lump sum to help the company manage the disruption.

Think about the impact on day-to-day operations, leadership and revenue if the person at the centre of the business could no longer work.

Planning for this possibility can help you prepare before circumstances force you to make difficult decisions.

Have you considered how your business would manage if you were permanently unable to work?

07/10/2026

Why do business owners delay exit planning?

Usually, it's because the business is going well.

The order book is strong. The business is profitable. There are staff to manage and customers to look after.

And there's always next year.
But that can create a comfort trap.

Exit planning isn't only about deciding when you're ready to retire. It's about preparing for the possibility that you may not get to choose exactly when or how you leave.

Health issues, burnout, financial pressure or changes in the market can force an exit earlier than expected.

And when that happens, a business that depends heavily on its owner can be harder to sell — and potentially worth less.

The goal isn't to create alarm. It's to create options.

The earlier you plan, the more control you have over your timing, your options and your retirement.

If you couldn't work in your business from next Monday, what would happen to your financial future?

Address

Level 45/680 George Street
Sydney, NSW
2000

Website

http://cfvservices.com.au/

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