Financial Advisor for Business Owners Melbourne

Build wealth beyond your business.

For Melbourne business owners, founders and entrepreneurs who want financial clarity outside the business.

You have built something valuable. But is all your wealth tied up in one place? We help business owners create personal financial security, plan for exit, and build wealth that does not depend on the business continuing forever.

From extracting profits tax-efficiently to structuring for sale, succession or retirement, we work alongside your accountant to make sure your personal finances are as well-managed as your business.

  • Reduce concentration risk in your net worth
  • Tax-smart extraction and investment strategies
  • Exit planning and post-sale wealth management
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Why Business Owners Choose Angel Advisory

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We understand business owners

We know your wealth is tied to your business. We help you build financial security that does not depend on the business alone.

Tax-smart profit extraction

Dividends, salary, super contributions, loans. We work with your accountant to extract profits in the most tax-efficient way.

Exit planning expertise

Selling to a third party, transitioning to family, or winding down? We help you plan for life after the business.

Personal investment management

Build a diversified portfolio outside the business. Shares, property, managed funds. Wealth that works for you, not just in your business.

Risk and insurance review

Key person insurance, income protection, business succession cover. Make sure you and your family are protected if something goes wrong.

Who we help

  • SME owners and directors: Running a business with 5 to 50 staff? We help you build personal wealth while managing business demands.
  • Professional practice owners: Accountants, lawyers, doctors, dentists. High income but time-poor. We help you invest outside the practice.
  • Franchise owners: Building a franchise network or running multiple locations? We help you manage the complexity.
  • Business owners planning exit: Selling in the next 3 to 5 years? We help you prepare financially for life after the business.
  • Post-sale business owners: Just sold your business? We help you invest the proceeds and manage your new financial reality.

Common Business Owner Challenges We Solve

“All my wealth is in the business.”

Concentration risk is real. If the business fails or market conditions change, you lose everything. We help you extract profits and build diversified wealth outside the business.

“I do not know how to pay myself efficiently.”

Salary, dividends, super, director fees, loans. The options are confusing. We work with your accountant to find the most tax-efficient way to get money from your business to your pocket.

“I want to sell but I am not ready.”

Exit planning takes years, not months. We help you prepare financially: building assets outside the business, understanding what you need from a sale, and planning for life after.

“I just sold my business. Now what?”

A large lump sum requires careful management. We help you invest the proceeds, manage tax, and adjust to a new financial identity where you are not the business owner anymore.

“My super is embarrassingly low.”

Many business owners neglect super while building the business. We help you catch up with concessional contributions, understand your options, and build retirement savings even if you started late.

“I need to protect my family if something happens.”

Key person insurance, income protection, life cover, buy-sell agreements. We review your insurance to make sure your family and business partners are protected.

Based in Melbourne and serving business owners across South Melbourne, Brighton, Prahran, South Yarra, Windsor, Williamstown, Yarraville, St Kilda, Caulfield, Albert Park, Port Melbourne and nearby suburbs.

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Start My Investment Plan

How Our Business Owner Advisory Works

  1. Understand Your Business and Goals
    We review your business structure, ownership, profitability and growth plans. We map your personal financial position: assets, debts, super, insurance. We understand your exit timeline and lifestyle goals.
  2. Build Your Business Owner Strategy
    You receive a Business Owner Financial Plan with:
    • Profit extraction strategy (salary, dividends, super, loans)
    • Personal investment plan to diversify outside the business
    • Super catch-up strategy if you have been neglecting retirement savings
    • Insurance review (key person, income protection, life, TPD)
    • Exit planning roadmap (if applicable)
  3. Implement and Review
    We work with your accountant to implement the strategy. We review annually or when major business changes occur. We adjust as the business grows, contracts or prepares for sale.

Exit Planning for Business Owners

Whether you plan to sell, transition to family, or wind down, exit planning is essential:

  • Sale to third party: What price do you need? How will you invest the proceeds? What are the tax implications?
  • Family succession: Transferring to children or family members. Fair vs equal. Tax considerations and timing.
  • Management buyout: Selling to your team. Vendor finance, earnouts and transition periods.
  • Wind down: Sometimes closing is the best option. We help you extract value and plan for what comes next.

What you will receive: An Exit Planning Report showing your target sale price, post-sale investment strategy, tax implications and timeline.

Meet Your Melbourne Business Advisors

  • Experienced advisors helping Melbourne business owners build wealth beyond the business.
  • Melbourne locals who understand the challenges of running a business and managing personal finances.
  • Specialists in exit planning, profit extraction and business owner superannuation.
  • ASIC-regulated and focused on transparent, lasting results.

Your business. Your wealth. Our expertise.

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Angel Advisory Melbourne team

Frequently asked questions

Now. Many business owners delay personal wealth building while focusing on the business. But the earlier you start, the more options you have. We help you build wealth in parallel with your business, not instead of it.

We collaborate closely. Your accountant handles tax compliance and business accounts. We focus on strategy: investments, super, insurance, succession and personal wealth. We share information (with your permission) to ensure your tax and wealth strategies are aligned.

It depends on your company structure, tax position and personal goals. We model both scenarios and show you the impact on your super contributions, personal tax and long-term wealth. Often a blend of salary and dividends works best.

Key person insurance protects your business if you or a critical team member cannot work due to death, illness or injury. It can cover lost revenue, recruitment costs and loan repayments. We assess your risk exposure and recommend appropriate cover levels.

Start three to five years before your target exit date. We help you understand what your business might be worth, identify value drivers, and structure your personal affairs to minimise CGT on sale. We coordinate with business brokers and lawyers when the time comes.

In limited ways. SMSFs can lend to a related business (with strict rules), own business premises (and lease to your business), or hold listed shares in your company. But direct investment in your own business is generally prohibited. We explain the rules and identify legitimate opportunities.

This is common. We help you model different scenarios: one partner buying out the other, bringing in a third party, or staggered exits. We work with your accountant and lawyers to structure agreements that protect both parties and allow flexibility.

We charge transparent, fixed fees agreed upfront. No commissions, no percentage of assets. You know exactly what you are paying before we start. Our initial consultation is complimentary so we can understand your situation and explain how we can help.

Explore Other Services

Investment Advice

Build and manage a diversified portfolio outside the business.

Retirement Planning

Plan for life after the business with confidence.

Estate Planning

Protect your family and structure business succession.

Ready to build wealth beyond your business?

Speak with a Melbourne financial advisor who understands business owners and will help you build personal financial security while you focus on growing your business.

Talk to a Business Advisor Today