Services and packages
CFO and bookkeeping packages for growing businesses
An accountant shows you what already happened. A CFO shows you what to do next.
Simple monthly packages that fix cash flow, lift profit and give you clear numbers, built for Australian businesses turning over $2M to $50M.
Does this sound familiar?
- “Sales are up, but cash is always tight.”
- “We’re busy, but profit isn’t where it should be.”
- “I get my numbers too late to act on them.”
- “Month end is a scramble and the books are always behind.”
- “My accountant only calls at tax time.”
- “I need CFO advice, but not a full-time CFO salary.”
If you nodded along to any of these, there is a package built for it.
CFO packages
Senior financial advice, sized to where your business is now. Each level includes everything in the one before it.
Level 1
Start-up Supporter
Get clear on your numbers
Best for: smaller or newer businesses that need clear numbers and someone senior to ask.
“I’m making big decisions without clear numbers.”
What you get
- A detailed finance review with a CFO every quarter
- Monthly reports that show trends and weak spots
- KPIs set up and checked regularly
- Reports comparing every location or business unit
- BAS, IAS and ATO compliance handled
- A CFO on call when you need a second opinion
Level 2
CFO Advantage
Fix profit and cash flow
Best for: growing businesses that need a clear plan and someone to keep them on track.
“Sales are growing, but profit and cash aren’t keeping up.”
Everything in Start-up Supporter, plus
- A monthly meeting with your CFO
- Yearly budget and cash flow forecasts, with “what if” scenarios
- Tax planning, with ATO lodgements managed
- Reviews of who owes you and who you owe
- Ongoing risk checks across the business
- Reports for every part of the business, so problems show early
- Access to our finance software tools
Level 3
Strategic CFO Partner
A CFO inside your business
Best for: businesses scaling fast, planning an exit, or that need an expert to just “handle things”.
“We’ve outgrown our finance setup and need senior help in the business.”
Everything in CFO Advantage, plus
- Done for you: your CFO handles the work, not just the advice
- Fortnightly progress check-ins with your CFO
- A hands-on CFO in your Slack or Teams for day-to-day questions
- Monthly board meetings and executive KPI reports
- Investor and bank-ready reporting packs
- Detailed financial modelling
- End of year tax, audits and outside advisors managed
- Planning to buy or sell a business
- Introductions to lenders and investors
- Better finance processes, plus risk and compliance registers
Want it all off your plate? We can also take over your bills, accounting and CFO work in full.
Compare CFO packages
| What you get | Start-up Supporter | CFO Advantage | Strategic CFO Partner |
|---|---|---|---|
| CFO strategy meetings | Quarterly | Monthly | Monthly, plus board meetings |
| Monthly performance reports | Included | Included | Included |
| KPIs set and tracked | Included | Included | Included |
| BAS, IAS and ATO compliance | Included | Included | Included |
| Budgets, forecasts and “what if” scenarios | Not included | Included | Included |
| Tax planning | Not included | Included | Included |
| Done for you: your CFO handles the work | Not included | Not included | Included |
| Fortnightly progress check-ins | Not included | Not included | Included |
| Detailed financial modelling | Not included | Not included | Included |
| CFO in your Slack or Teams | Not included | Not included | Included |
| Investor and bank-ready reports | Not included | Not included | Included |
| Exit and acquisition planning | Not included | Not included | Included |
| Introductions to lenders and investors | Not included | Not included | Included |
Bookkeeping packages
Clean, up to date books, done by our own team in Xero. Add CFO support whenever you are ready.
Level 1
Bookkeeping Essentials
Books you can trust
Best for: owners who pay their own bills and run payroll, but want books they can rely on.
“I’m never sure if my books are right.”
What you get
- Bank accounts kept up to date in Xero
- Regular checks so every transaction is recorded correctly
- Reports on who owes you and who you owe
- BAS, IAS and ATO payment plans prepared and lodged
- Help setting up tools like Hubdoc or Employment Hero
- Payroll and super advice (processing is in Full Service)
- On call for bookkeeping questions
Level 2
Full Service Bookkeeping
Hand over the back office
Best for: busy owners who never want to touch the books again.
“Just take all of it off my plate, payroll, bills, the lot!”
Everything in Bookkeeping Essentials, plus
- We run your accounts inbox, bills and invoices
- Full payroll, with super and STP lodged
- Overdue invoices chased up
- Weekly or fortnightly bill runs and debtor reviews
- Multi-entity and overseas transactions handled
- Tax planning and instalments managed
- Monthly reports on profit, cash flow and trends
- A bookkeeper in your Slack or Teams (optional)
Not sure where to start?
Comprehensive Business Review
A one-off, top-to-bottom look at your business. You get quick wins and a clear plan to lift profit and value.
We shape it around what matters most to you, from cash flow and profit to internal processes or getting ready to sell.
What we look at
- Your financial health, and how ready you are for big decisions
- Profit margins compared with your industry
- Systems and processes like payroll, budgets, reporting and invoicing
- Risk and compliance gaps
- Interviews with your leaders and walk-throughs of how work gets done
What you get
- A gap report showing what is missing to build the business you want
- A performance report on your current finances
- Software and process recommendations
- Step-by-step guides to do it yourself, or support from one of our CFOs
Client reviews
★★★★★
I’ve had the pleasure of working with Tom since 2019 and would recommend Simic Financial to any business owner looking for a professional, strategic advisor, to help achieve their financial success.
Adam Fiske, Founder and CEO, Cipher Sports Technologies Group
★★★★★
Tom’s level of service and eye for detail is top class! There’s no financial problem too big or small for Tom to help us work through!
Branden Johns, Founder, Adventure Market
★★★★★
Tom was highly recommended to us and we are extremely happy that we made the difficult decision to leave our previous accountant and move to Simic Financial.
Leanne Kamp, Founder, Lucky Strike Gold Prospecting
★★★★★
I just had Excel spreadsheets and profit and loss statements previously, whereas we now have lots of visual representations of performance.
Megan Rovers, Founder and CEO, Armstrong Real Estate and Geelong Property Hub
Want to hear more from the owners we work with?
How to get started
Book a free call
A 30 minute chat about where your business is now and where you want it to go.
Get a clear recommendation
We tell you which package fits, or whether a Business Review is the best first step. No pressure.
We get to work
Your CFO and bookkeeper get set up, then it is clear numbers and regular catch-ups from there.
Common questions
Can’t find your answer? Book a call and ask us directly.
Accountant, bookkeeper or CFO?
What is the difference between an accountant, a bookkeeper and a CFO?
A bookkeeper records what happens in your business every day. An accountant uses those records to do your tax and keep you compliant, usually looking back at last year. A CFO uses the numbers to plan what happens next, like cash flow, pricing, hiring and growth. We bring all three together in one team.
What does a Virtual CFO do?
A Virtual CFO is a senior finance expert who works with you part time. They forecast your cash flow, set budgets and targets, track KPIs and help you make big calls like hiring, raising money or selling. You get CFO-level advice without a full-time salary.
What is the difference between a Virtual CFO and a fractional CFO?
There is very little difference. Both are part-time CFOs. Virtual CFO is the more common term in Australia, while fractional CFO is more common overseas. You may also hear outsourced CFO or part-time CFO, which mean the same thing.
Do I need a CFO or just a good accountant?
If you only need your tax done, an accountant may be enough. If cash is tight, profit is lower than it should be, or you are making big decisions without clear numbers, you need a CFO looking forward with you.
When does a business need a CFO?
Usually when it is growing quickly, has several locations or teams, is planning to raise money or sell, or when the owner is spending too much time on the numbers. We mostly work with businesses turning over $2M to $50M.
Is a Virtual CFO cheaper than hiring a full-time CFO?
Usually, yes. The median salary for a full-time SME CFO in Melbourne is $226,600 before super, according to the Robert Half 2026 Salary Guide, plus recruitment and leave. A Virtual CFO gives you senior experience for a set monthly fee, at the level of help you need.
Our packages
What is included in a Virtual CFO package?
Every CFO package includes regular meetings with a senior CFO, monthly reports, KPIs and ATO compliance. Higher levels add budgets, forecasts, tax planning, board meetings, fortnightly check-ins and a CFO who handles the work for you.
Which package is right for my business?
If your books are messy or behind, start with bookkeeping. If you need clear numbers and a plan, start with Start-up Supporter or CFO Advantage. If you are scaling fast, planning an exit or want it all handled, Strategic CFO Partner is the fit. Not sure? Start with a free call or a Comprehensive Business Review.
Can I get bookkeeping without a CFO package?
Yes. Our bookkeeping packages work on their own, and you can add CFO support later as you grow.
Can I combine bookkeeping and CFO support?
Yes, and it is how we work best. Your bookkeeper keeps the numbers right and your CFO uses them to plan, so nothing falls through the gaps.
What is a Comprehensive Business Review?
It is a one-off, top-to-bottom look at your business. We review your numbers, margins, systems and risks, then give you a clear plan with quick wins to lift profit and value.
Can a CFO help me sell my business?
Yes. Our Strategic CFO Partner package includes planning to buy or sell a business, getting your numbers ready for buyers and guiding you through due diligence. We are not business brokers and do not list businesses for sale.
Can you help us raise money or get a business loan?
Yes. We build the forecasts and reports that lenders and investors expect to see, and Strategic CFO Partner clients get introductions to lenders and investors in our network.
Working with us
Do you lodge BAS and IAS?
Yes. BAS, IAS and ATO payment plans are prepared and lodged in both bookkeeping packages and in every CFO package.
What accounting software do you use?
We work in Xero, and we can help you set up add-ons like Hubdoc and Employment Hero.
Do you only work with businesses in Geelong and Melbourne?
No. Our advisors are based in Geelong and Melbourne, and we work with businesses right across Australia.
What size businesses do you work with?
We work with ambitious businesses turning over $2M to $50M a year, plus a small number of start-ups with big plans.
How much do your packages cost?
It depends on the package and the size of your business. After a free call, we give you a clear monthly fee before any work starts.
Not sure which package fits?
Book a free 30 minute call. We will tell you honestly what you need, and what you don’t.
+61 3 5229 9665hello@simic.financeLv 2, 50 Little Malop St, Geelong VIC
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