BUSINESS ADVISORY

BE YOUR BUSINESS BEST WITH SAMMUT BULOW

We believe in empowering businesses to realise and achieve their full potential. We offer a comprehensive suite of business advisory services designed to support every stage of your business journey - from start-up to expansion, to eventual transition and exit. With our team of experienced professionals backing you, we ensure you have the right guidance, strategies, and solutions to reach your business and financial goals.

Whether you’re launching a new business, growing an established one, or planning for your exit, Sammut Bulow is here to help every step of the way. We provide expert advice on taxation compliance, business finance, risk management, and wealth management, tailored to your unique needs. Our mission is to work with you to unlock opportunities, optimise your processes, and strengthen your position for future growth.

YOUR BUSINESS JOURNEY: FROM START TO SUCCESS

At Sammut Bulow, we’re with you every step of the way, guiding your business from the ground up. We help turn your idea into a viable business by providing solid planning, strategic advice, and ensuring the right structure for long-term success. As your business grows, we assist with securing the right financial support, structuring your operations for optimal growth, and helping you scale efficiently. Our team focuses on the key areas that drive success, including strategic planning, financial management, and market expansion.

As your business matures, we provide the tools and expertise to optimise operations, improve profitability, and benchmark your performance against the industry’s best. We also help enhance your business’s value through wealth creation strategies, restructuring, and debt reduction. When it’s time to transition or exit, we ensure you have the right strategies in place for a smooth, successful exit, preserving the integrity and value of your business for the future. No matter what stage your business is at, Sammut Bulow is your trusted partner, helping you thrive every step of the way.

OUR BUSINESS ADVISORY SERVICES INCLUDE

Start-Up and

Business Growth

Transform your idea into a viable business with the right foundation and strategic guidance. We can help with business structure, acquisitions, due diligence, and 3-way cash flow forecasting.

Funding and

Financial Support

Secure the right financial support with tailored funding solutions, business loans, risk insurance, and compliance strategies to keep your business running smoothly.

Strategic Planning

and Direction

Develop a clear business plan aligned with your core values, set growth strategies, and enhance marketing. We can also assist with identifying opportunities and grants to expand your reach.

Management and

Operational Efficiency

Improve your business with benchmarking, HR strategies, Independent CFO services and tax planning. We ensure efficient operations and continuous performance monitoring.

Established and Expanding Business

Drive sustainable growth by creating wealth strategies, restructuring and managing debt. We can help optimise systems, increase business value and boost profitability.

Exit Planning and Succession

Prepare for a smooth exit with revitalisation strategies, marketing and succession planning as well as estate and retirement planning to secure your financial future and optimise capital gains tax liabilities.

ONE TEAM, ONE FOCUS - YOUR BUSINESS

At Sammut Bulow, we’re more than just business advisors - we’re your strategic partners. We take the time to understand your business goals, challenges, and unique needs, ensuring that every piece of advice is tailored to your success. From start-up to exit, we’ll help you build, grow, and optimise your business, ensuring it reaches its full potential.

Ready to take your business to the next level? Contact Sammut Bulow today and let’s work together to achieve your business and financial goals.

INSIGHTS AND NEWS

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.

QLD Disaster Payments and Support

March 18, 2025

Support for Queenslanders following Ex-Tropical Cyclone Alfred

5 Mistakes You Might Be Making As A Business Owner

March 12, 2025

While business owners are often passionate about their products or services, they can sometimes overlook essential financial elements that can make or break their business.