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Financial Strategies - Concepts and insights to transform your business to become more profitable.

Follow what Cliftons have to say to be strategic with your finances, both business and personal.

Selling a Business

Selling a Business

Reading time: 1 - 2 minutes

One of the questions that we get from business owners is "if I am going to sell my business, do I sell the shares in my company, or do I sell the business and keep the company?"

blog-teaching-kids-a-lesson

Teaching Your Kids A Lesson

Reading time: 2 - 3 minutes

Financial skills are an important part of life.

But schools dont teach them.  So it’s up to parents to educate their children how to properly save money, spend wisely, stick to a budget and turn into financially savvy adults.

Get Your SMSF into Gear

Get Your SMSF into Gear

Reading time: 1 - 2 minutes

The number of self-managed super funds (SMSF) has grown sharply over the last few years.  And its in no small part because SMSF's can borrow to invest these days.

Like any investment theres risk.  Is the risk worth it?

Business Health Check

Time for a Business Health Check

Reading time: 1 - 2 minutes

Caught in the economic downturn?

The key to operating a successful business and making money in an economic downturn or recession is to know where your business performs well and where it can improve.

Can you Afford to Sell??

Can you Afford to Sell??

Reading time: 1 - 2 minutes

A "Business Value Gap" is the difference between the value of your business today and what you need it to be at time of sale.  

A shortfall can have a significant impact on your retirement plans and may force you to reassess your desired standard of living in retirement.

Worst case - it can mean you cant afford to sell.

Baby Boomer

What is Means to be a "Baby Boomer"!

Reading time: 1 - 2 minutes

Given that the average age of business owners within Australia is currently 56, it is more likely that you will be a "Baby Boomer" business owner yourself.

This can pose a number of issues for you and your business.

Succession is more than selling

Succession is More than Selling

Reading time: 1 - 2 minutes

It is critical that business owners have a succession strategy. Many people are led to believe that succession means selling.

This isn't necessarily the case, however, as there are a variety of succession strategies available that are not widely considered by business owners.

Pay off your home loan?

Should you pay off your home loan?

Reading time: 1 - 2 minutes

I regularly see clients who for years have driven their home mortgage down by paying higher repayments than the minimum payments required.

While on the surface this seems like a great idea, there are circumstances where it can come back to bite you on the bum.

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