Proper financial advice is priced so that the people who need it least are the only ones who can get it. I've spent my career on the wrong side of that, and this is my attempt to even it up a little.
You tell me what's going on. I do the work. Then you decide what it was worth.
Gufran Chartered accountant. Previously KPMG and Deloitte, doing this work for organisations with whole finance teams. Now doing it for people who don't have one. Based in Gisborne, Victoria.
Ninety seconds, in your own words. No jargon needed and nothing to prepare. That's my job, not yours.
Thirty to forty minutes, no charge, no obligation. If it turns out you don't need me, I'll say so and point you somewhere better.
You'll get an invoice showing what the same work costs at the big end of town. What you actually pay is your call.
This isn't charity and it isn't a gimmick.
I'd rather do good work for people who've been priced out of proper advice than sit idle waiting for someone who can afford the going rate. The people who can pay properly are what keeps the door open for the people who can't. That's the whole model, and it only works because most people are fair.
The shoebox of receipts, the mortgage that's keeping you up, the contract you've been asked to sign.
Pricing, cashflow, structure and the lease you're about to commit to. The head-office half of running a business.
Grant submissions, acquittals, board papers and governance documents, for organisations run by volunteers and one very tired coordinator.
Business cases for banks and government, and sectors buried far enough in red tape that someone has to read it properly.
Not a conversation and a bill. An actual file, built for your situation, that you keep and can use again without me.
A single page showing where you genuinely stand. What's owed, to whom, by when. Then a short list of what to do first, second and third, with dates against each one.
A working spreadsheet, not a PDF. Change your prices in it and watch what happens to profit. A rolling cashflow you can update yourself each month once I've built it.
A submission ready to lodge. Every question answered, the budget built and costed properly, the evidence attached, and a copy you can adapt for the next round.
A business case written in the format the bank or the department actually assesses against, with the numbers behind it laid out so anyone can check the working.
Everything I build is yours. The model, the spreadsheet, the draft, the working. Plenty of consultants hand over a summary and keep the file that produced it, which is how you end up needing them again next year. I would rather you did not have to come back.
"The battler" isn't just a phrase, it's a history. From the hawkers of the 1900s to the small operators of today, Australian success has been built on grit, resilience and having a fair dinkum go.
What's changed is that the expertise has drifted upwards. The people with the least room for a costly mistake are the ones who get the least help avoiding one, because an hour of it costs more than the mistake feels like it will. That's backwards, and this is my attempt at fixing a small piece of it.
