Business Advisory

Know where your business is headed before you get there.

Cash flow, forecasting, structure and succession advice that turns your numbers into decisions you can stand behind.

Service visual

The Problem

Where this usually goes wrong

Most owners run on instinct and last year's tax return. The figures arrive too late to change the decision. 48% of new Australian businesses fail within four years. You stay in the surviving half by reading the numbers in time to act on them.

52%

of failed companies had inadequate cash flow cited as a cause (ASIC, 2022–23). We show you what is coming so you can act before it bites.

Did you know?

Your annual accounts show what happened last year, not what to do next. Regular management reporting shows where margins and cash are moving while there is still time to change course.

What we do

Cash flow forecasting

Budgeting

Structure advice

KPI reporting

How it works

From first call to ongoing delivery

We learn your business first, then build the advice around it. You get a team you can call before a big decision, not an invoice after one.

01

Discover

02

Diagnose

03

Design

04

Deliver

Step 01 / 04

Discover

We start by listening. Your goals, your business, and what success looks like to you, so we both see where you are and where you want to be.

Goal-setting workshop

Review of your current setup

Clear scope & expectations

Outcomes

What changes for you

Fewer blind spots. A structure that protects your assets and your family. A plan for handing the business on when the time comes.

Cash flow forecasting and budgeting you can plan around

KPI and management reporting that shows where the money goes

Growth and funding strategy as the business scales

Structure advice that protects assets and lowers tax

A sounding board for major decisions, from hiring to acquisitions

Cash flow forecasting and budgeting you can plan around

KPI and management reporting that shows where the money goes

Growth and funding strategy as the business scales

Structure advice that protects assets and lowers tax

A sounding board for major decisions, from hiring to acquisitions

Cash flow forecasting and budgeting you can plan around

Structure advice that protects assets and lowers tax

KPI and management reporting that shows where the money goes

A sounding board for major decisions, from hiring to acquisitions

Growth and funding strategy as the business scales

  • "Excellent client servicing from the team. Highly recommend Fernando and his team on any business advisory. Thank you Andrew for your professionalism, patience and accessibility."

    Alex Nguyen

    "Fernando and the team are the real deal. After switching accountants recently, I have been nothing short of impressed with their professionalism, expertise and even their recommendations on which systems I should use in my business to help create more time efficient processes."

    Andy Glynos

    "We have been using Fernando for all our accounting and business advice for our business over the last few years. His expertise, advice and information provided has seen the business grow rapidly and made the business run much smoother. They have been helping our business maintain growth to ensure it is still successful through COVID-19."

    Paul Reitano

    "I came to Fernando under very difficult financial circumstances. His knowledge and interest in helping me achieve the best possible outcome was very reassuring, and I feel that he continues to go above and beyond to ensure that I receive the best advice and results. It is very clear to me that Fernando is passionate about his work, and about helping people, and I would not hesitate to recommend him."

    James Sullivan

    "Fernando and his team has been with us every step in our business decisions. Andrew is very qualified and professional, in addition, Andrew has been informative in sharing best practice & processes in our financials. Thank you for your impeccable client servicing."

    Ruany

    "The best in the business... Fernando's introduction was nothing short of World Class and since then I have had the pleasure of dealing with Andrew! Andrew has made my life so easy and always delivers a service that exceeds my expectations. He without fail will always answer or return my phone calls... The support he provides is unparalleled and I am proud to call him my accountant!"

    Jack Cailotto

    "I started wiht them after a recommendation from a friend and have found that their work is of an exceptional standard. Fernando, Andrew and their team are highly efficient. They assisted me in setting up user-friendly systems for my business that I still use daily. Highly recommend."

    David

    "I can't recommend Andrew enough! He has been my accountant for the past couple of years, and his services have been exceptional. Andrew is a true professional who goes above and beyond to ensure his clients' needs are met."

    Pablo Lledo

    "I cannot recommend Fernando and the team highly enough! Their support has been second to none. Not only are they incredibly professional, but their depth of knowledge is truly impressive. They’ve helped me navigate complex tax and business decisions with ease and clarity. If you’re looking for an accounting team that actually cares about your success look no further!"

    Richard Berton

    "Fernando and his team were instrumental in not only initially setting up our company, but his advice has contributed to the success of our business so far. We felt so supported along the way and we could ask as many questions, large or small, as we needed and Fernando always answered very promptly based on his wealth of knowledge. Highly recommended."

    Anthony Green

  • "Excellent client servicing from the team. Highly recommend Fernando and his team on any business advisory. Thank you Andrew for your professionalism, patience and accessibility."

    Alex Nguyen

    "Fernando and the team are the real deal. After switching accountants recently, I have been nothing short of impressed with their professionalism, expertise and even their recommendations on which systems I should use in my business to help create more time efficient processes."

    Andy Glynos

    "We have been using Fernando for all our accounting and business advice for our business over the last few years. His expertise, advice and information provided has seen the business grow rapidly and made the business run much smoother. They have been helping our business maintain growth to ensure it is still successful through COVID-19."

    Paul Reitano

    "I came to Fernando under very difficult financial circumstances. His knowledge and interest in helping me achieve the best possible outcome was very reassuring, and I feel that he continues to go above and beyond to ensure that I receive the best advice and results. It is very clear to me that Fernando is passionate about his work, and about helping people, and I would not hesitate to recommend him."

    James Sullivan

    "Fernando and his team has been with us every step in our business decisions. Andrew is very qualified and professional, in addition, Andrew has been informative in sharing best practice & processes in our financials. Thank you for your impeccable client servicing."

    Ruany

    "The best in the business... Fernando's introduction was nothing short of World Class and since then I have had the pleasure of dealing with Andrew! Andrew has made my life so easy and always delivers a service that exceeds my expectations. He without fail will always answer or return my phone calls... The support he provides is unparalleled and I am proud to call him my accountant!"

    Jack Cailotto

    "I started wiht them after a recommendation from a friend and have found that their work is of an exceptional standard. Fernando, Andrew and their team are highly efficient. They assisted me in setting up user-friendly systems for my business that I still use daily. Highly recommend."

    David

    "I can't recommend Andrew enough! He has been my accountant for the past couple of years, and his services have been exceptional. Andrew is a true professional who goes above and beyond to ensure his clients' needs are met."

    Pablo Lledo

    "I cannot recommend Fernando and the team highly enough! Their support has been second to none. Not only are they incredibly professional, but their depth of knowledge is truly impressive. They’ve helped me navigate complex tax and business decisions with ease and clarity. If you’re looking for an accounting team that actually cares about your success look no further!"

    Richard Berton

    "Fernando and his team were instrumental in not only initially setting up our company, but his advice has contributed to the success of our business so far. We felt so supported along the way and we could ask as many questions, large or small, as we needed and Fernando always answered very promptly based on his wealth of knowledge. Highly recommended."

    Anthony Green

FAQ

Common questions

What happens without a succession plan?

Why does estate planning sit with my accountant?

When should I restructure?

How long does it take to get started?

More questions?

Reach out anytime. We usually reply within a day.

hello@ethosadvisors.com.au

More questions?

Reach out anytime. We usually reply within a day.

hello@ethosadvisors.com.au

Ready to get Business Advisory help from Ethos?

Claim your complimentary, no-obligation consultation with Ethos Advisors & Accountants.

Considered advisory and precise accounting.

(02) 9123 3000

hello@ethosadvisors.com.au

Locations

Oran Park Office

Suite 201, 90 Podium Way,
Oran Park NSW 2570

Kogarah Office

Suite 502, 24 Montgomery St,
Kogarah NSW 2217

Information on this website is based on current regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this information, no liability is accepted by Ethos Advisors Pty Ltd, its related entities, agents and employees for any loss arising from reliance on information within.

© 2026 Ethos Advisors Pty Ltd, ABN 20 697 471 097

Website designed by Southdown Creative.

Considered advisory and precise accounting.

(02) 9123 3000

hello@ethosadvisors.com.au

Oran Park Office

Suite 201, 90 Podium Way, Oran Park NSW 2570

Kogarah Office

Suite 502, 24 Montgomery St, Kogarah NSW 2217

Information on this website is based on current regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this information, no liability is accepted by Ethos Advisors Pty Ltd, its related entities, agents and employees for any loss arising from reliance on information within.

© 2026 Ethos Advisors Pty Ltd, ABN 20 697 471 097

Website designed by Southdown Creative.

Considered advisory and precise accounting.

(02) 9123 3000

hello@ethosadvisors.com.au

Locations

Oran Park Office

Suite 201, 90 Podium Way, Oran Park NSW 2570

Kogarah Office

Suite 502, 24 Montgomery St, Kogarah NSW 2217

Information on this website is based on current regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this information, no liability is accepted by Ethos Advisors Pty Ltd, its related entities, agents and employees for any loss arising from reliance on information within.

© 2026 Ethos Advisors Pty Ltd, ABN 20 697 471 097

Website designed by Southdown Creative.