INDEPENDENT CFO

UNLOCK THE POWER OF AN INDEPENDENT CFO

Through Sammut Bulow you now have access to an experienced, independent Chief Financial Officer (CFO) and advisory service that can do everything a full-time CFO can do – without the full-time cost. We take complex financial information and present it in a straightforward way, empowering you to make informed decisions about your business, while you stay focused on growth.

Today's CFO is far more than a number cruncher – they are integral to steering a business toward success.

AN EXPERT CFO ON YOUR TEAM

With our Indepedent CFO on your team, you can:

Spot opportunities for growth and improvement
Avoid financial pitfalls and navigate risks
Leverage data to make strategic business decisions
Ensure compliance with evolving regulations
Stay ahead of the competition in a dynamic marketplace

Sammut Bulow’s independent CFO service allows your organisation to benefit from high-level expertise, without the need to commit to a full-time position.

WHY OUTSOURCE YOUR CFO?

01.

Flexible

Not all companies are in the position to recruit a full-time CFO, due to financial challenges or lack of suitable candidates. Partnering with the Sammut Bulow will provide your business with access to an experienced and independent CFO, without the full-time cost.

Independent

Operating from outside of an organisation, external CFOs are traditionally distanced from internal politics or company matters, so can remain independent and impartial. Your outsourced CFO will provide transparent advice and information, ensuring objectivity when it comes to your company’s finances. 

Experience

When you engage Sammut Bulow as your external CFO, you gain access to a broad skill set and up-to-date financial insights. Our experienced team stays on top of evolving regulations and market trends, ensuring your business receives informed, actionable advice based on current data.

CORPORATE AND BOARD ADVISORY

Our senior partners, bring extensive experience in both business and board-level advisory. This expertise ensures that you receive not only sound financial advice but also strategic insights into your board structure and obligations. We offer independent, innovative advice that enhances your business growth, efficiency, and economic relevance.

Whether you need a fresh perspective on your board structure or guidance on corporate governance, we’re here to help you make informed decisions that drive success.

INSIGHTS AND NEWS

Lessons from over 25 Years in Business: Marty’s Top 5 Tips for Long-Term Success

June 11, 2025

Article by Marty Sammut When I first opened the doors back in 1998, I wasn’t thinking about how to survive the next two and a half decades. Like most small business owners, I was focused on helping clients and keeping the lights on. Fast forward to today and I’ve learned a few things about what it takes to build a business that stands the test of time! 1. A Willingness to Accept Change Change is inevitable. I’ve seen it over and over, in the economy, technology, and client needs. Treat change as an opportunity rather than a negative. Don’t forget: your competitors are also dealing with it. The real advantage goes to whoever reacts fastest to find a solution. 2. Be Comfortable with Feeling Uncomfortable Dealing with challenges or the hard things normally makes the biggest difference. In fact, when you’re feeling uncomfortable or challenged, that’s usually when you’re making real progress. It’s not always easy, but it’s the sign you’re moving forward. 3. Scale Your Business by Employing and Building Systems Most business owners have their earning potential capped by the effort they put in. The only way to earn without personal exertion is to employ good people and put in place repeatable systems. Without systems, you’re just stuck on the tools forever - no matter how good you are. 4. Business Owners Need to Invest in Themselves Most of us start a business because we’re good at what we do - the technical side of things. But that doesn’t mean we have the skills to be a great entrepreneur. The only way to get there is to invest in learning. Find a mentor, go to industry training days, read leadership books, join the local Chamber of Commerce or work with an accountant who goes beyond the numbers and helps you think like an entrepreneur. Yes, it will cost you time and money - but it’s the best investment you’ll ever make. 5. Build a Business That’s Client-Focused Remember, your services and products are there to satisfy your client, not yourself or your team. Great client satisfaction and engagement are the key to business success. If you keep that front of mind, the rest has a way of falling into place. After over 25 years in business, I can tell you this: there’s no magic formula, and no two journeys look the same. But these five things have kept me grounded, focused and, most importantly, always moving forward. Here’s to another 25! Disclaimer: The information provided on this blog is for general informational purposes only. While we strive to ensure that the content is accurate and up to date, the advice and information provided on this site should not be construed as a substitute for consulting with a qualified accounting or tax professional. The authors and contributors to this blog do not accept any responsibility or liability for any errors or omissions in the content, or for any losses or damages arising from the use of the information provided.

The Importance of Tax Planning: Why Acting Before 30 June Can Make a Big Difference

April 24, 2025

As the end of the financial year approaches, many business owners find themselves scrambling to get their financial affairs in order. By understanding your estimated tax position well before the 30 June deadline,

Key Takeaways From The 2025-26 Australian Federal Budget

March 27, 2025

The Australian Government’s 2025-26 Federal Budget, unveiled earlier this week, has certainly grabbed attention with its proposed personal income tax cuts. The tax savings will be gradual, with up to $268 in savings for individuals in the 2026-27 year, and up to $536 from 2027-28 onwards. The Government has allocated almost $1 billion to the Australian Taxation Office (ATO) to enhance its compliance programs. While this is aimed at improving the integrity of the tax system, businesses and individuals alike should be prepared for an increased focus on compliance as the ATO ramps up its efforts to ensure tax obligations are met. Other Key Budget Measures You Should Know About Tax on Super Accounts Over $3 Million: The proposed 30% tax on future earnings for superannuation balances above $3 million is still under consideration. If passed, it would affect high-balance super accounts, potentially reshaping the landscape of superannuation for some investors. Small Business Support: The $20,000 instant asset write-off for small businesses remains in the Budget for the 2024-25 financial year. While the measure has not yet passed Parliament, it could provide a valuable tax incentive for businesses investing in assets to grow their operations. Healthcare and Education Initiatives: The Government has allocated $8.5 billion for Medicare, including funding for 50 new urgent care clinics and bulk-billed GP services. On the education front, $500 million will go towards reducing HECS-HELP debt and adjusting repayment schedules, helping students manage their debts more effectively. Energy and Housing Relief: There’s also $180 billion dedicated to extending the $150 energy bill rebate until the end of 2025, alongside $800 million for the "Help to Buy" housing scheme, making it easier for Australians to step onto the property ladder. Economic Outlook: Slow Growth and Ongoing Deficits The Australian economy is projected to grow at a modest pace, with GDP growth forecasts at 2.25% for 2025-26 and 2.5% for 2026-27. While employment remains strong, with over one million jobs added since May 2022, the country is still facing a budget deficit of $42.1 billion in 2025-26. Public debt is expected to rise as a result, reaching 21.5% of GDP by 2025-26. Despite these challenges, the Government has also put forward measures to assist with the rising cost of living, including energy rebates and initiatives aimed at reducing inflation. What Does This Mean for You? Whether you’re an individual looking to take advantage of the tax cuts, a small business seeking clarity on asset write-offs, or someone looking to benefit from the energy rebates or housing support, the 2025-26 Federal Budget is likely to affect you. If you need advice on tax planning, superannuation, or any of the new measures, our team of experts is here to assist. Disclaimer: The information provided on this blog is for general informational purposes only. While we strive to ensure that the content is accurate and up to date, the advice and information provided on this site should not be construed as a substitute for consulting with a qualified accounting or tax professional. The authors and contributors to this blog do not accept any responsibility or liability for any errors or omissions in the content, or for any losses or damages arising from the use of the information provided.

INDEPENDENT CFO﻿