Advisory Services

Beyond being experts in accountancy compliance, PJT has a very strong focus on providing sound business advice, ensuring your profits are maximised, tax is minimised, assets protected, and wealth creation and superannuation strategies are designed to match your lifestyle goals. We look forward to being of service to you and your business.

What help do you need?

Review Business Structure

Grow Wealth

Improve Cashflow

Increase Revenue

Improve Efficiencies

Set Goals & Objectives

Protecting Your Assets

Minimise Tax

Reducing Debt

Selling / Planning to Sell

Buying a Business

Starting a Business

Planning for Retirement

Business Bookkeeping

Succession Planning

Family Business

Business Planning

SMSF

Reviewing Your Business Structure

You may be operating a business right now, however it may not be in the best entity structure to minimise tax obligations and protect your assets and income. A restructure can provide protection to your assets, as well as turning bad debt into good debt where appropriate to do so. It can also remove any additional entities which are no longer required for your circumstances.

PJT can help you determine the best entity structure for your needs, now and into the future, to help you get the foundation right. Whether in companies, trusts, partnerships or superannuation - all of which offer different benefits and tax obligations.

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Grow Wealth

You have been working hard in your business and have put in everything you have into it. For many business owners, their business is their biggest asset. However, you are well aware that you do not want all your eggs in one basket.

In addition to improving the value of your business, we work with you to accumulate wealth outside of this. This ensures you have enough income for the lifestyle you desire and accumulate enough assets for your retirement and estate. A wealth creation strategy needs to be done in conjunction with your personal and financial goals and objectives. You also need to consider what level of risk you are comfortable with. Your strategy should also focus on preserving your capital and protecting your returns from being eroded by tax and poor planning.

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Improve Cashflow

Cashflow is the lifeblood of your business. Even if your business is profitable, you can still have cashflow problems which can threaten to destroy your business. 82% of failed businesses fold because of cashflow problems. 70% of these were profitable!

It is not just meeting creditor payments that you need to account for. If you want to expand and grow your business, you will need to ensure you have the cash to allow for this.

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Increase Revenue


Businesses, large and small, are always seeking new and improved methods of improving and accelerating performance. Revenue is a key driver to any business in achieving this.

Your business lives on the sales revenue it creates. How can you build on your existing revenue, thereby supercharging your profits? PJT Accountants & Business Advisors work closely with you to set in place a plan to grow your revenue. We focus on 5 areas that will increase the revenue in your business.

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Improve Efficiencies

Do you get frustrated on how long it can take to do a job in your business? Can you improve on your delivery times to your customers?

Wasted time is a big cost to businesses. Improving efficiencies in your business will directly improve profits. It will also create capacity to do more of the type of work you want to do or to go out and pick up more clients.

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Set Goals and Objectives

What are your wants and desires? Early retirement, a successful business, a house by the beach, more time for family?

Your goals can be anything you want them to be, as long as you're clear on what they are and whether you're being realistic. Setting your goals and objectives is the first step in achieving them. If you don’t know where you are travelling to, you may never reach your destination!

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Protecting your Assets


You have worked hard, made sacrifices and accumulated some good assets and investments. It makes sense to protect them as much as possible from exposure to creditors. This is where PJT Accountants & Business Advisors can help you.

You have worked hard, made sacrifices and accumulated some good assets and investments. It makes sense to protect them as much as possible from exposure to creditors. This is where PJT Accountants & Business Advisors can help you.

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Minimising tax


Do you like paying tax? Unfortunately you can't avoid paying it, but you can minimise how much tax you have to pay.

Australia's tax system is very complex, but the tax laws do allow us to structure your affairs in a way that minimises the amount of tax we pay. It is important to have a strategy to pay the least amount of tax possible. We want to ensure your cashflow is used on things that you really want to do - like meeting your personal and financial goals - instead of paying tax.

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Reducing Debt


Having a clear achievable plan to reduce your debt is an important factor in increasing your overall wealth position. It is unusual if you don’t have some form of debt these days. Therefore, you want to ensure that it is managed correctly.

The process of reducing your debt also addresses how your debt is structured. We look at what loans you have, the level of exposure your assets are subject to against the borrowing and the borrowing costs (including interest) involved.

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Selling/Planning to Sell


With record numbers of businesses selling, business owners are often disappointed when the offer they receive is well below their expectations.

PJT Accountants & Business Advisors not only have the tools to value your business, but can instantly show you what key value drivers need to change to improve your business’s value. Together, we can identify what areas in the business can be improved, to bridge the gap between your current business value and your required business value.

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Buying a Business

If you plan to buy an existing business, carefully analyse both the advantages and disadvantages, including the history, which is likely to impact the future of the business. One advantage is that a good business history can increase the likelihood of a successful operation and ensure that finance is easier to obtain. Potential disadvantages can be overestimating the goodwill figure and a poor public image inherited from the previous owner.

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Starting a Business

Setting up your own business can be an exciting time. Before you start, save yourself time and money by being aware of what's involved in running a business.

Investing time into proper planning is key to turning your dreams into reality. Operating a small business is not just about working for yourself or working from home, it's also about having the necessary management skills, industry expertise, technical skills, finance and of course a long-term vision to grow and succeed.

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Planning for your Retirement/Building Super


You want to ensure that you have enough assets accumulated so that they earn you sufficient returns to fund your retirement. You may enjoy working, but working past your retirement date should be a choice rather than a necessity in order to survive.

In planning for your retirement, you need to ask yourself when you want to stop working and how much income you will need to live the lifestyle you would like. PJT Accountants & Business Advisors will evaluate your existing assets, consider your commitments and what mix of assets you want or need. We will then structure a plan to help you achieve your retirement goals.

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Business Bookkeeping


With the speed at which markets change, businesses need the data to make real time sensible business decisions. The one thing successful businesses have in common is having up to date information at their disposal.

Evolve Online Bookkeeping offers real-time access to your accounts using Xero – the ultimate in online bookkeeping software. As a subsidiary of PJT Accountants & Business Advisors with qualified accountants and senior bookkeepers, your accounts will be up to date each day, giving you an accurate picture of how your business is performing.

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Succession Planning

Proper succession planning and a smooth transition can provide your family with a business that can span multiple generations and a brand that can last a life time.

Succession usually happens when there is death or retirement on the principal owner(s). A smooth succession largely depends on the preparation.

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Family Business

Proper succession planning and a smooth transition can provide your family with a business that can span multiple generations and a brand that can last a life time.

We have the services you need and a team that’s experienced in working with multiple generations of owners. In addition to traditional audit, accounting and tax.

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Business Planning

Planning for your business is critical to its success, it’s the blueprint to achieving your goals.

With no documented plan in place, you, your business and your employees are flying blind without the clear directions and business goals needed to drive the business forward. Many business owners create their own business plans, but if you’re new to business, taking your business in a new or unfamiliar direction, or looking to expand or refinance, you may need professional advice to build your business plan.

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Self-Managed Superannuation Fund (SMSF)


Self-managed super funds or SMSF are great. They’re flexible, if managed properly can give you more retirement money than standard super and it can be used in some ways to lessen tax obligations. But is it right for you? Should you have one?

With over half a million total in the number of existing funds in Australia, SMSF’s are fast becoming the preferred choice for giving you control over your retirement nest egg.

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Sunshine Coast Accountants and Business Advisors