Steven Nicholson

Many Australian business owners reach a point where their accountant is doing everything right - yet the business still feels financially unclear. Cash flow feels tight, decisions feel reactive, and growth feels harder than it should. This is often the moment a business outgrows basic financial management and needs CFO-level support. This article explains the difference between an accountant and a CFO, the warning signs your business has outgrown compliance-only support, and how fractional...

Many business owners assume that if their business is profitable, cash flow problems should not exist. In reality, profitable Australian businesses run out of cash every day. The reason is simple: profit and cash flow measure different things and misunderstanding that gap creates risk. This is where cash flow management, financial strategy, and the right CFO support make the difference. This article explains why cash shortages occur even in profitable businesses, how CFO-level planning...

If your business is growing faster than your financial systems can keep up, you’re not alone. Many Australian business owners wait too long to bring in a Chief Financial Officer (CFO) - often after cash flow issues or missed growth opportunities appear. However, knowing when to hire a CFO depends on your business size, complexity, and strategic goals. This guide from GearChange  will help you assess whether your business is ready for CFO-level support and explore the flexible options...