Michelle Kvello

We can customize Virtual CFO package to suit your specific needs and budget. Whether you need ongoing support or just project-based work, we're here to help you achieve your financial goals.. Give me a call at 0426 391 860 to get started... #vcfo #virtualcfo #budgeting #forecasting #cashflowmanagement

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What Will Make or Break Your Business in 2025 and Why Most Entrepreneurs Are Getting Left Behind: 2025 is going to separate the strategic from the desperate. Australian businesses are sitting at a critical crossroads. Economists predict rate cuts. Resource shortages loom. Customer spending is still shrinking. Not to mention real estate market, cause who can even make accurate predictions?? However general Australian market predictions are pretty clear: - Cash flow improvements are on the way - Potential rate cuts (or at least some stability with that) - Technology is the ultimate differentiator Most small businesses are terrified of the economic uncertainty. But I see something different: a massive opportunity for those willing to get strategic. While everyone else is complaining about economic pressures, I'm building a strategic personal brand that turns challenges into opportunities. Personal brands that understand strategic positioning will DOMINATE in 2025. So here I am strategising. And my strategy? 1.   Continuous learning and mindset work 2. Tax optimisation 3. AI-powered workflow automation for productivity 4. Strategic positioning and market adaptation I want 2025 to be HUGE for me and my brand! And I’m excited! 😀 Who’s with me on this? 💥 What's one strategic move you're making to elevate your brand in 2025? Drop it in the comments. -------------------------- P.S. I work with business owners helping them transform financial chaos into clarity. Imagine spending less time crunching numbers and more time landing dream clients. I will help you get back 10+ hours every week to focus on what actually excites you about your business. Send me a message to make it happen in 2025. 🤝

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Wellington Leaders: Complimentary Vision & Priorities Workshop Kia ora, Wellington leaders, Right now, Wellington has it tough. If your team is navigating the aftermath of a recent restructure, Then, in these challenging times, clarity and focus are more crucial than ever. Let me host a complimentary half-day “Follow the Money” Vision & Priorities workshop for your team And help get you and your team on the same page; With a unified vision, clear priorities, and actionable goals for the next 3-6 months. Benefits: • Clear Vision: Align your team around a shared vision that inspires and directs. • Clear Priorities: Establish and agree on the top priorities to drive your team forward. • Actionable Goals: Set immediate, achievable goals to kickstart your journey to better performance. • Team building: Improve communication and collaboration, ensuring everyone is aligned and moving in the same direction. This workshop is designed specifically for teams seeking to rebuild and thrive. Limited complimentary spots are available in return for supporting a local charity. Next Steps: DM me and lets chat.

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When a leader values straight talk as much as strategy... 🎯 Just read a recommendation from Adam Sellars that really struck a chord. As Director at MCA Accountants Pty Ltd, Adam highlighted something that sets great leaders apart - his appreciation for those necessary 'hard truths' in our advisory sessions over the past two years. Working alongside Adam and his team at MCA, I've watched their innovative approach transform client relationships across Carrum Downs and San Remo. But what's truly impressive? Their willingness to tackle complex challenges head-on and turn them into opportunities. It's rare to find a firm leader who actively seeks out candid feedback and different perspectives. Adam's openness to exploring out-of-the-box solutions while staying true to MCA's mission of simplifying tax and accounting - that's what drives real progress. Appreciate the kind words, Adam. Your commitment to pushing boundaries in public accounting while keeping it real is what makes our collaboration so impactful. 💪 #AccountingInnovation #BusinessAdvisory #LeadershipGrowth #PublicAccounting

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Tax and BAS Agents in Australia, for the overwhelming most part are: - Small business owners (or work for a small business) - Individuals who act with integrity and honesty when faced regularly with ethical quandaries - Employers of hundreds of thousands of people from all walks of life - Humans working long hours helping their clients navigate an ever-increasing complex taxation system - The crucial players in ensuring the Australian tax system does not fall over, fall behind or become impossible to implement Today, in session, Senator Barbara Pocock portrayed us as out-of-control renegades who need to be reined in, citing recent PWC events. PWC and the goings-on with their unethical Government consulting are so far removed from the daily work of most Australian tax agents that it really isn't funny (or relevant to many). Yet the proposed legislation would heavily impact the businesses and obligations of so many small Australian Tax and BAS agents. Unfortunately, the motion to disallow Tax Agent Services (Code of Professional Conduct) Determination 2024 was defeated with a split vote of 31/31. Let's hope the Government will now (genuinely) come to the party to work with the accounting industry bodies and reps on something fair and workable. Something that recognises that tax agents are, in the majority, not Big 4 opportunists or dodgy cover-up merchants but giving, honest, and hard-working members of society who deserve fair and practical legislation to operate within. Thanks to Dean Smith, Gerard Rennick and others who voted for the Ayes today.

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𝗔𝗿𝗯𝗼𝗿 𝗣𝗲𝗿𝗺𝗮𝗻𝗲𝗻𝘁 𝗢𝘄𝗻𝗲𝗿𝘀 𝗶𝗻 𝗮 𝗻𝘂𝘁𝘀𝗵𝗲𝗹𝗹 Arbor Permanent Owners is a decentralised holding company that is following a well-trodden playbook: investing in smaller, asset-light companies with strong market positions and predictable cash flows that can be reinvested in further acquisitions. Our focus is acquiring “Great Australian SMEs”: market leaders in a niche, typically family owned , with EBITDA between A$3m and $6m. Unlike Private Equity, we differentiate ourselves through a multi-decade investment horizon. We view potential targets from an "owner" rather than an "exit-driven" shareholder perspective. Arbor Permanent Owners is targeting the investment theme of corporate succession - acquiring Great Australian family owned businesses from retiring owners. We acknowledge that this investment model is ”in vogue” across the pond in the American and European markets. There are yet to be any significant folks like us in Australia. We aspire to be the dominant player in our island nation. We believe that our edge lies in acquisitions that are too sub-scale, too operationally complex, or too long-term minded to be good bets for our private equity peers. As a result, we avoid intense competition from private equity firms, ultimately allowing for value accretive acquisition multiples between 3x and 5x EBITDA. Our playbook is simple: - Pay fair prices for great businesses; - Recruit and incentivise best in class leaders; and - Reinvest and compounding cash flows into more acquisitions. Guided by our north-star metric of ROIC > 20%, executed over a long-period of time (30 years), we will all end up with a fine result. Finally and most importantly, Arbor Permanent Owners is led by experienced founders and business operators. 𝗪𝗲 𝗲𝗮𝗿𝗻𝗲𝗱 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘁𝗼 𝗮𝗰𝗾𝘂𝗶𝗿𝗲 𝗮𝗻𝗱 𝘀𝘁𝗲𝘄𝗮𝗿𝗱 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀. We have degrees, but we didn’t learn business from a textbook. We learned it from sleeping under the desk, the stress of unpaid invoices and the scramble to meet payroll. We've seen the impact of both good hires and bad ones. There’s no substitute for experience, and no faster way to gain it by building something from the ground up. Only those who have lived the journey of entrepreneurship will understand this. We can look fellow business owner in the eye and easily build mutual respect, a connection that’s difficult to describe; like a telepathy. It comes from shared experiences and mutual understanding that this game of business is not for the faint hearted, and that when it comes to pass the baton, it should be passed to the right set of hands. Arbor Permanent Owners are the custodians of Great Australian businesses.

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Arbor Permanent Owners is a decentralised holding company that is following a well-trodden playbook: investing in smaller, asset-light companies with strong market positions and predictable cash flows that can be reinvested in further acquisitions. Our focus is acquiring “Great Australian SMEs”: market leaders in a niche, typically family owned , with EBITDA between A$3m and $6m. Unlike Private Equity, we differentiate ourselves through a multi-decade investment horizon. We view potential targets from an "owner" rather than an "exit-driven" shareholder perspective. Arbor Permanent Owners is targeting the investment theme of corporate succession - acquiring Great Australian family owned businesses from retiring owners. We acknowledge that this investment model is ”in vogue” across the pond in the American and European markets. There are yet to be any significant folks like us in Australia. We aspire to be the dominant player in our island nation. We believe that our edge lies in acquisitions that are too sub-scale, too operationally unsophisticated, or too long-term minded to be good bets for our private equity peers. As a result, we avoid intense competition from private equity firms, ultimately allowing for value accretive acquisition multiples. Our playbook is simple: ✅Pay fair prices for great businesses; ✅Recruit, indoctrinate and incentivise best in class leaders; and ✅Reinvest and compound cash flows into more acquisitions with a modest use of leverage. By repeating this playbook, guided by our north-star metric of ROIC > 20% and executed over the long-term (30 years), we will all end up with a fine result. Finally and most importantly, Arbor Permanent Owners is led by experienced founders and business operators. We earned the right to acquire and steward businesses. We have degrees, but we didn’t learn business from a textbook. We learned it from sleeping under the desk, the stress of unpaid invoices and the scramble to meet payroll. We've seen the impact of both good hires and bad ones. There’s no substitute for experience, and no faster way to gain it by building something from the ground up. Only those who have lived the journey of entrepreneurship will understand this. We can see a fellow business owner eye-to-eye and immediately build a mutual respect, a connection that’s difficult to describe; like a telepathy. It comes from shared experiences and mutual understanding that this game of business is not for the faint hearted - and that when it comes to pass the baton, it should be to the right set of hands. At Arbor Permanent Owners, we are the custodians of Great Australian businesses.

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Prediction. Franchise owner profitability will be under massive pressure in 2025. Watch out for our profitability workshops in February next year, to get in shape for the year ahead. Brisbane.Sydney.Melbourne. Details coming soon. #Profitability #FranchiseProfitability #smallbusiness #Franchise #Franchisebusiness #TheFranchiseAccountant #Cashflow #CashflowMgt

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There’s a lot going on right now: the recession’s biting, businesses are stretched, and the recent OCR cut is a glimmer of hope. But there’s a storm brewing on the horizon too—global markets are tightening the screws on sustainability. For NZ exporters, it’s crunch time. The EU’s new carbon rules and the North American shifts mean one thing: sustainability isn’t just a box to tick; it’s your ticket to the global market. I’ve seen it firsthand from my days at PwC and now at Toitū Envirocare. We can either wait for the rules to catch up with us, or we can lead the way. Imagine our clean, green products shining in markets hungry for sustainable options. The good news? It’s not just about compliance. It’s about standing out. It’s about turning these challenges into opportunities to showcase our Kiwi ingenuity and commitment to the planet. Let’s make our products more than just exports—let’s make them ambassadors for sustainable business. If you’re ready to take this leap, let’s chat. Toitū’s got the tools, the expertise, and the passion to help you turn this challenge into your competitive edge. The world’s watching. Let’s show them what NZ can do.

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What is a Virtual CFO? With a Virtual CFO, your business can partner with an experienced CFO on a flexible basis that suits your business needs. Whether you prefer remote assistance, on-site support (available in Melbourne), or a blend of both, a Virtual CFO can provide ongoing and project-based options to accommodate your requirements. A Virtual CFO helps businesses gain control over their financial position and sets them up for long-term growth. They offer services such as cash management strategies, financial analysis, forecasting, budgeting, risk management, performance monitoring, and strategic financial planning, as well as project support and finance change programs If you'd like to know if Virtual CFO services are a fit for your business, send us a message or check out the website. You don't need a big budget to get started! #financialservices #VirtualCFO #businesscoaching #olivebusinesspartners

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The EtA Downunder Podcast is back! In this episode we teardown a niche playground line-marking business, boasting 40% net profit margins.

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👉Want to prioritise profit but you’re struggling with the expenses? It’s time you took a deep dive to discover what’s holding you back. Here’s 5 steps to manage your business expenses to prioritise profit #profitfirst #managementaccountant #accountantaustralia

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Stage 3 tax cuts are front of mind following last night’s budget. Check out Eire Consulting Pty Ltd’s latest post on how you can use them to your advantage this financial year.

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Business Activity Statement blues? Here’s a nifty technique to breathe easier, every quarter. The Monday just gone, 24 November, was BAS payment day. It’s a stressful day because it’s the last day Australian businesses can remit their BAS payment to the tax man. What I’m about to suggest is so simple you’ll “d’oh” your forehead. Yet not one single client had this in place when I first started working with them. Set up a separate account for your tax obligations. This is your tax account. Make sure it’s an “at call” account, ideally one that pays interest. 💡Got paid? Move the GST component from your transaction account into your tax account. 💡Paid an invoice? Move the GST component from your tax account into your transaction account. 💡Paid wages? Move the tax and superannuation components of your employees’ wages into your tax account. If you keep your Xero, MYOB or Quickbooks up to date, the tax account balance should be pretty much in alignment with your accounting system. It’s normal for your tax account to be a few dollars up or down at BAS time, but 99% of the money you need should be safe and sound, isolated from your transaction account. Why do this? Because it’s just too tempting to spend that tax money if it’s easily accessible in your transaction account. Don’t believe for a second it doesn't happen. Remember this: You are collecting that tax on behalf of the tax man. It’s not your money. Would this work for you? Drop me a comment.

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Unlock New Zealand's Competitive Edge in Global Markets 🌏 Dive into the heart of New Zealand's future economic sustainability with a groundbreaking report that's reshaping how exporters view our competitive advantage on the global stage. The Aotearoa Circle's latest report is a treasure trove of insights, emphasising the critical need to protect our natural resources. As exporters, our unique selling proposition hinges on the pristine, unspoiled landscapes and the pure products that emerge from them. This isn't just about maintaining an image; it's about preserving the very essence that sets us apart in international markets. 𝗞𝗲𝘆 𝘁𝗮𝗸𝗲𝗮𝘄𝗮𝘆𝘀 𝗳𝗼𝗿 𝗲𝘅𝗽𝗼𝗿𝘁𝗲𝗿𝘀 𝗶𝗻𝗰𝗹𝘂𝗱𝗲: 🍀 Sustainable practices are no longer optional; they are imperative for maintaining market access and consumer trust. 🍀 Innovation in eco-friendly technologies and processes can drive cost savings and open new market opportunities. 🍀 Collaboration across sectors and with government bodies can amplify our efforts and impact. The report is a clarion call to action. It urges us to look beyond short-term gains and invest in the future of our natural environment. As stewards of New Zealand's export economy, we have the power and responsibility to lead this charge. Read, reflect, and let's discuss how we can collectively leverage these insights to not only safeguard our competitive advantage but also to champion a sustainable future for global trade. Your thoughts and strategies on this are invaluable. Share them below. 👇 Let's make sustainability our legacy. Massive thanks to Nicola Swan, Alana Lampitt, Kate Wilson Butler!

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Australia saw strong household lending grown in April 2024, with continued solid growth across all lending categories. Lending is up.. 🏠 for owner occupiers by 4.3% MoM and 18.7% YoY 🏠 for investors by 5.6% MoM and 36.1% YoY 🚗 personal lending by 0.8% MoM and 18.1% YoY This is a strong counterpoint to recent calls for interest rate cuts later this year. One of the key mechanisms by which higher interest rates reduce demand is by reducing the creation of new money through lending. The fact that we are still seeing strong lending growth implies that policy isn't tight enough to tame demand growth through lending. This is another data point which indicates we remain quite a long way from inflation getting back to target. #Australianeconomy #inflation #interestrates #lending

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Cloud-Based Bookkeeping: Access Your Financials Anytime, Anywhere 💡 In today’s digital age, cloud-based bookkeeping is transforming how Australian businesses manage their financial records. With the ability to access your financial data anytime, anywhere, this modern approach offers unparalleled convenience and efficiency. Key Benefits: ✅Real-Time Access: View and update your financial information from any location. ✅Enhanced Security: Advanced encryption and compliance with Australian data protection regulations ensure your data is safe. ✅Cost-Effectiveness: Reduce costs associated with physical storage and on-site servers. Integration with Business Systems: Sync with CRM systems for streamlined invoicing and customer payments. Integrate with payroll software for accurate and timely salary disbursements. Many Australian businesses have successfully transitioned to cloud-based bookkeeping, experiencing improved efficiency and data accuracy. Read the whole article below: #CloudBookkeeping #BusinessGrowth #KingsfordBookkeeping #FinancialManagement https://lnkd.in/gi9_hTB3

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☎️ Calling small businesses in QLD - Business Basics Grants open Monday 30/9 ☎️ The Business Basics grants program provides support to qualifying businesses to increase core skills and adopt best practice. This round of Business Basics is focused on business enhancement. Applicants can apply for funding for grant funded activities under the following priorities: ✔️ Professional business advice ✔️ Strategic marketing services ✔️ Website build and upgrades. Some of the eligible activities mentioned in the information that we can help with are: ✔️Operational efficiency reviews ✔️Financial budgeting To find out more information, go to the link in the comments to gauge your eligibility and reach out if you are keen to understand what projects we may be able to do to help!

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