Helping businesses move through the gears with expert CFO support.
When you’re running a growing business, it’s easy to get caught up in day-to-day decisions without a clear long-term financial plan guiding the way. You might be profitable, busy, and growing — but still unsure whether your decisions today are setting the business up for sustainable success tomorrow.
Financial strategy and business planning is where clarity replaces guesswork. It helps you understand where your business is heading, what options are available to you, and which decisions will genuinely move the needle — not just add more pressure.
At GearChange, we work closely with business owners to develop clear, practical financial strategies that align with their goals. We help you step back from the noise, understand the bigger picture, and make confident decisions with the numbers to support them. Based on the Northern Beaches and working with businesses across Sydney and Australia, GearChange provides Fractional CFO support tailored to growing businesses.
Financial Strategy & Business Planning
Financial strategy and business planning is one of the key ways a Fractional CFO supports business owners beyond accounting and compliance. It’s about turning numbers into direction and helping you move forward with purpose.
This service includes:
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Strategic financial planning aligned to your business goals
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Growth modelling to understand future opportunities and risks
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Scenario planning to support confident decision-making
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Identifying financial priorities and trade-offs
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Clear, practical guidance you can actually act on
This isn’t about overcomplicating things. It’s about giving you a clear financial framework so decisions feel informed, intentional, and far less stressful.
FINANCIAL STRATEGY & BUSINESS PLANNING
Common Financial Strategy Challenges We Help Solve
Many business owners reach out because they feel unsure about their next move, even when the business appears to be doing well.
You might relate if:
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You’re making decisions without a clear long-term financial plan
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Growth feels reactive rather than strategic
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You’re unsure which opportunities are worth pursuing
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You’re juggling competing priorities without financial clarity
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You want to move forward but don’t want to get it wrong
If this sounds familiar, you’re not alone. With the right financial strategy in place, decisions become clearer and progress feels more controlled — we can help you get there.
What It’s Like Working With Steven
Steven isn’t about telling you what you should do from a distance. He works alongside you as a trusted advisor, helping you think through options, understand the financial impact, and choose the path that makes sense for your business and your life.
When you work with GearChange, you can expect:
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Clear, jargon-free conversations
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Calm, supportive guidance
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A practical, big-picture approach to financial decisions
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Confidence when planning for the future
You won’t be handed a complex plan and left to interpret it alone. Steven explains things clearly, supports your decision-making, and helps you feel confident every step of the way.
FINANCIAL STRATEGY & BUSINESS PLANNING
Who This Service Is For
Financial strategy and business planning is ideal for:
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Growing small to medium-sized businesses
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Business owners making important strategic decisions
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Founders planning the next stage of growth
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Business owners who want clarity before committing time or money
Whether you’re refining your direction or planning your next phase, this service adapts to where your business is right now.
TRUSTED BY MANY
Serving Northern Beaches, Sydney & Australia-Wide
GearChange works with businesses across the Northern Beaches — from Avalon through to Manly — as well as across Sydney. If you’re located outside Sydney, Steven works seamlessly with clients Australia-wide through online meetings and cloud-based tools.
No matter where you’re based, you’ll receive the same level of personal support and CFO-level insight.
Frequently Asked Questions
Do I need financial strategy support if my business is already profitable?
Yes. Profitability doesn’t always mean clarity. Financial strategy helps ensure your profits are supporting long-term goals and sustainable growth.
Can you help with major business decisions?
Absolutely. This service is designed to support big decisions such as expansion, hiring, investment, or changing direction.
Is this suitable for small businesses?
Yes. Fractional CFO services are ideal for small and growing businesses that need strategic guidance without a full-time CFO.
Do you work with clients remotely?
Yes. Many GearChange clients work with Steven entirely online from across Australia.
LET'S TALK
Why Work With Me
If you’re feeling uncertain about your next move or want clarity around your business direction, a conversation is the best place to start. Steven will meet you where you’re at and help you work through your options clearly and calmly.
Book a strategy call and take the first step toward confident, strategic financial decisions.