Virtual CFO

Scale with the financial leadership you can't yet hire.

Part-time CFO support for owners ready to scale, with a steady hand on the numbers and the calls that come with growth.

Service visual

The Problem

Where this usually goes wrong

You're past needing a bookkeeper and not ready for a $200k CFO. So the forecasting and cash flow planning fall to you, on top of running the business. 80% of small businesses felt cash flow pressure last year, and most saw it coming too late to act.

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?

A profitable business can still run short of cash when customer payments lag behind wages and supplier bills. Forecasting helps you see the timing gap before it affects a major decision.

What we do

Financial leadership

Board reporting

Fundraising support

Scenario modelling

How it works

From first call to ongoing delivery

We work with your leadership team on forecasts, management reporting and the financial questions behind major decisions. You get a clear view of performance and practical support as the business grows.

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

Sharper decisions and board-ready numbers. A finance function that scales with you.

Board-ready reporting on time.

Confidence in every big call.

A finance lead without the full salary.

Board-ready reporting on time.

Confidence in every big call.

A finance lead without the full salary.

Board-ready reporting on time.

A finance lead without the full salary.

Confidence in every big call.

  • "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

How is this different from advisory?

Do we need to be a certain size?

Can you work with our existing accountant?

How fast can you start?

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 Virtual CFO 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.