Your accountant tells you what happened. We explain what it means and what to do next. A fixed monthly fee is agreed before we start. No lock-in contract. We work alongside your accountant.
Each plan says who it suits. Move up or down as your business changes.
Choose this if you want to understand your numbers each month without a big commitment.
Choose this if cash is tight or unpredictable, or customers pay late.
The Essentials report pack, plus:
Choose this if you're growing, hiring, investing, or want better margins.
The Control report pack, plus:
Choose this if you need CFO-level thinking without a CFO salary.
The full Growth report pack, plus:
| What's included | Essentials | Control | Growth | Virtual CFO |
|---|---|---|---|---|
| Profit and loss: month, year to date and same period last year | Yes | Yes | Yes | Yes |
| Balance sheet summary | Yes | Yes | Yes | Yes |
| Cash summary: where the cash came from and went | Yes | Yes | Yes | Yes |
| KPI dashboard (8 KPIs chosen for your industry) | Yes | Yes | Yes | Yes, with more KPIs |
| Tax, GST and super set-aside check | Yes | Yes | Yes | Yes |
| Unusual movements flagged | Yes | Yes | Yes | Yes |
| Commentary with 3 actions for next month | Yes | Yes | Yes | Executive summary |
| Annual budget | Add-on | Yes | Yes | Yes |
| Budget vs actual with variance notes | Not included | Yes | Yes | Yes |
| Aged debtors and creditors, with debtor days | Not included | Yes | Yes | Yes |
| 3-month cash flow forecast | Add-on | Yes | Yes | Yes |
| Action tracker from the last meeting | Not included | Yes | Yes | Yes |
| Rolling 12-month forecast: profit, balance sheet and cash | Not included | Not included | Yes | Yes |
| 12-month KPI trend charts | Not included | Not included | Yes | Yes |
| Gross margin by product, service or customer | Not included | Not included | Quarterly | Monthly |
| May forecast of full-year profit to 30 June | Not included | Not included | Yes | Yes |
| Department or segment results | Not included | Not included | Not included | Yes |
| Lender covenant and ratio check | Not included | Not included | Not included | Yes |
| Business value review | Not included | Not included | Not included | Annual |
| Meetings | 30 minutes each quarter | 45 minutes each month | 60 minutes each month, 90-minute strategy session each quarter | 60 minutes each month, quarterly advisory board, annual strategy workshop |
| Email replies | Within 2 business days | Within 1 business day | Within 1 business day | Same business day |
| Phone | Booked calls | Booked calls | Business hours | Direct mobile |
| Decision support | Quick questions | Quick questions | Up to 1 hour a month | Up to 2 hours a month |
| Tax planning meeting attendance | Not included | Not included | Up to 1 hour a year | Up to 2 hours a year |
Swipe the table sideways to see all four plans.
Your dashboard tracks 8 KPIs chosen for your industry, such as revenue, gross margin, wages, debtor days and cash. A quick question is one we can answer in about 15 minutes without analysis. Anything larger gets a fixed quote before we start.
Every plan comes in a monthly version and a lower-cost quarterly version. The quarterly version gives you the same reporting and advice four times a year instead of twelve. Your dashboard still updates every month, so you can check your numbers whenever you like. Quarterly meetings run for 30 minutes (Essentials), 60 minutes (Control), 90 minutes (Growth), and 3 hours (Virtual CFO). Monthly plans are billed each month in advance, and quarterly plans each quarter in advance.
Quarterly suits owners who want a regular check-in without a monthly meeting, and seasonal businesses such as farms. If cash is tight, choose monthly Control, because you need to see problems early.
For a limited time only, take 10% off your plan fee when you commit to 12 months and pay the full year fee in advance. The offer applies to any plan, monthly or quarterly. Your plan fee is fixed for the 12 months. The discount does not apply to the onboarding fee. Conditions apply if you end the plan early, and our Terms of Business set out the details. Ask about it on your discovery call.
$750 + GST, a special offer price. If you join a plan within 30 days, we credit the full $750 against your onboarding fee.
About the Financial Health CheckHere's how the numbers can work. A business turning over $1.5 million plus GST with debtor days of 55 has about $249,000 owed by customers at any time, including GST. Bring debtor days down to 40 and about $68,000 comes back into the bank account. That cash is yours to use, and it stays freed up for as long as customers keep paying faster.
For comparison, a full-time CFO typically costs $180,000 to $300,000 a year in salary alone.
Your report shows your cash, profit, KPIs and forecast, updated every month. This is the KPI dashboard from our sample farm report.
See the sample reportsThese are full monthly reports for fictional businesses, on our Essentials, Control, Growth and Virtual CFO plans. Look through the preview pages, then enter your email and we'll send you the full report straight away.
Transport and logistics · Essentials planA linehaul and livestock cartage business, October 2026. 9 pages, prepared in Spotlight Reporting.
A one-page summary with three actions, a KPI dashboard of 8 measures, profit and loss against last year, balance sheet, cash flow, and a tax, GST and super set-aside check.
Preview pages
Thanks. Check your inbox. We've emailed you a link to the full report.
The business and all figures are fictional.
Trades and construction · Control planA commercial, residential and solar electrical contractor, October 2026. 16 pages, prepared in Spotlight Reporting.
A one-page summary with three actions, an action tracker, a KPI dashboard, profit and loss against budget with notes on each major variance, labour productivity, aged debtors with a collection plan, a 3-month cash flow forecast, and a tax, GST and super set-aside check.
Preview pages
Thanks. Check your inbox. We've emailed you a link to the full report.
The business and all figures are fictional.
Retail · Growth planAn independent supermarket, October 2026. 17 pages, prepared in Spotlight Reporting.
Commentary with three actions, KPI dashboard, shrinkage and stock days, gross margin by department, 12-month KPI trends, a rolling 12-month profit forecast, 3- and 12-month cash forecasts, refit funding and a solar scenario.
Preview pages
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The business and all figures are fictional.
Motels and accommodation · Virtual CFO planA 32-room freehold motel with a restaurant, run through a family trust, October 2026. 18 pages, prepared in Spotlight Reporting.
Occupancy, average daily rate and RevPAR, online commissions, department results for rooms, restaurant, bar and conference, a lender covenant check, and the motel's value as a freehold going concern.
Preview pages
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The business and all figures are fictional.
Hospitality and food · Virtual CFO planA café and catering business, October 2026. 17 pages, prepared in Spotlight Reporting.
Executive summary, action plan, KPI scorecard, food and wage costs, product margins, lender check, and a rolling 12-month cash forecast.
Preview pages
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The business and all figures are fictional.
Agriculture · Virtual CFO planA dairy farm with beef and cropping, August 2026. 19 pages, prepared in Figured.
Executive summary with three actions, grouped KPI dashboard, tax and GST check, milk production, monthly gross margins against last year, and a lender covenant check.
Preview pages
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The business and all figures are fictional.
You pay a fixed monthly fee based on your plan and the size of your business. We'll tell you the exact fee on a free 30-minute call, and you'll know it before you commit.
No. After the onboarding fee, your plan runs month to month, and you can end it with 14 days' written notice. If you choose to commit for 12 months and pay in advance, you can take 10% off while our limited time offer runs. Conditions apply if you end the plan early, and our Terms of Business set out the details.
Yes, in Bathurst and the Central West, West Wyalong and the Mid North Coast. We meet at your premises or in a meeting room in the Bathurst CBD. Anywhere else, we meet online. We can travel further for face-to-face meetings within reason, and additional fees may apply depending on location.
Ask. We'll quote a fixed fee for the extra work before we start. If you keep needing more, we'll show you whether the next plan up is better value.
Book a free 30-minute discovery call. We'll look at where your business is now, where you want it to be, and whether one of our plans fits. You'll know the fixed fee before you commit to anything.
Or call Ian on 0438 802 531 · enquiries@firmgroundadvisory.com.au
