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# CSJP Accounting

## Sitemaps

- [XML Sitemap](https://www.csjp.com.au/site/sitemap.xml): Contains all public & indexable URLs for this website.

## Pages

- [Welcome](https://www.csjp.com.au/site/) - Carter Shrigley Johnson Pittorini is an accounting firm which has long been a leader in the Fremantle area, because of the outstanding service we offer to our clients, both business and individuals alike. We pride ourselves on providing our clients with friendly, accessible advice, a variety of expert resources concerning business services, taxation and self-managed
- [Privacy Policy](https://www.csjp.com.au/site/privacypolicy/) - CSJP Accounting Last updated: 13 July 2026 Introduction Carter Shrigley Johnson Pittorini Pty Ltd (we, us, our) is committed to protecting your personal information and handling it in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy explains how we collect, use, store, disclose and protect personal information, including
- [Disclaimer](https://www.csjp.com.au/site/disclaimer/) - Disclaimer The content of this website is intended for general information purposes only. You should always seek professional advice before acting. No responsibility is taken for any loss as a result of any action taken or refrained from in consequence of its contents. We do not accept any liability for the content or performance of
- [Contact us](https://www.csjp.com.au/site/contact-us/) - You can contact us at the following: Office Location 1/163 Canning Highway, EAST FREMANTLE WA 6158 Mailing Address PO BOX 70, MELVILLE WA 6956 Phone 08 9339 1077 Email Make an online enquiry
- [Directors](https://www.csjp.com.au/site/firm-profile/our-people/) - Peter Nicholson, CPA – Director Peter has been with the firm since 1987, and holds a Bachelor of Commerce as well as his CPA qualifications. His extensive skills and experience, including knowledge of XERO, MYOB Accounting and the QuickBooks suite of products, allow him to offer his clients expert business taxation services. He also specialises
- [Team members](https://www.csjp.com.au/site/firm-profile/team-members/) - Joe Pittorini CPA: Consultant Luisa Riccardi CPA: Accountant Chris Lim CPA: Accountant Jin Ding CA: Accountant Leon Zhong CPA: Accountant Mark Zoiti CA: Accountant Elita Damiano: Accounts Manager Vanessa White: Administration / Personal Assistant Melina Tomic: Administration / Personal Assistant
- [Business calendar](https://www.csjp.com.au/site/calendar/) - Your browser does not support inline frames or is currently configured not to display inline frames.
- [Managing your wealth](https://www.csjp.com.au/site/our-services/managing-your-wealth/) - We can help ensure that your personal wealth is managed as tax-efficiently as possible. We can advise with: Personal tax planning Extracting profit from your business Remuneration strategies Tax-efficient savings and investments Planning for a comfortable retirement Estate planning
- [Make an enquiry](https://www.csjp.com.au/site/contact-us/make-an-enquiry/) - If you would like to make an enquiry, please complete the online form below:
- [SMSF](https://www.csjp.com.au/site/our-services/smsf/) - Australians are moving more than $14 billion a year from their industry or employer superannuation funds into self-managed funds. At Carter Shrigley Johnson Pittorini we are able to assist you to: Take control of your super – Having a self managed super fund (SMSF) can give you greater control over your financial future. With an SMSF,
- [News](https://www.csjp.com.au/site/news/)
- [Useful links](https://www.csjp.com.au/site/links/) - Australian Taxation Office Comprehensive information on tax, compliance and useful interactive tools for businesses and individuals. Australian Competition and Consumer Commission Small business support, franchising, mergers, authorisations, your obligations, professions and industry codes of conduct. Australian Securities and Investments Commission Financial advice and business compliance information, interactive tools and calculators for individuals and businesses for
- [Firm profile](https://www.csjp.com.au/site/firm-profile/) - Firm history: Carter Shrigley Johnson Pittorini was established in 1967 by Lindsay Dagg and Gordon Lee. In 1985 the practice went incorporated, and ten years later relocated to its current offices in Fremantle. The firm has enjoyed significant growth and success since it was first founded, due to its ability to retain clients and deliver
- [Business support](https://www.csjp.com.au/site/our-services/business-support/) - Thinking strategically about future changes in the marketplace can be the key to running a sustainable business. Our aim is to ensure your business has the flexibility to sidestep foreseeable difficulties and better respond to the unexpected ones. And should you run into trouble, our team will assess your business, identify its weak spots and
- [Firm values](https://www.csjp.com.au/site/firm-profile/firm-values/) - Professionalism Our reputation is a result of years of expertise, experience and a continued commitment to maintaining the highest of professional standards. Quality When you rely on us, you are also relying on the quality of our services. Annual firm assessments and continued professional training keep our staff ahead of the rest to ensure that
- [Specialist services](https://www.csjp.com.au/site/our-services/specialist-services/) - In addition to our normal services, we have a developed specialist knowledge and expertise in self-managed superannuation funds, including taxation and auditing for our clients.
- [Accounting services](https://www.csjp.com.au/site/our-services/accounting-services/) - In the constantly changing business environment, you can rely on our business services team to be expert, up-to-date and ready at hand to assist you with your business matters. Whether your concerns are taxation, accounting, business planning, cashflow and budgeting, or business valuation, rest assured that our staff are available to advise you. Our accounting
- [Finance services](https://www.csjp.com.au/site/our-services/finance-services/) - We can help you to secure the essential finance for you and your business. Areas where we can assist include: For businesses: Commercial finance Leases Securing loans Asset finance Invoice discount finance For individuals: Line of credit facility Residential home loans Investment loans
- [Taxation services](https://www.csjp.com.au/site/our-services/taxation-services/) - We regularly deal with a broad range of personal and corporate taxation issues and make a point of understanding the individual needs of every client. Whether you need advice on company tax, personal tax effectiveness or indirect taxation including payroll tax and GST, our team will identify the best solutions for you. Our taxation services
- [Our services](https://www.csjp.com.au/site/our-services/) - We offer a range of high-quality accounting, financial and business services. At Carter Shrigley Johnson Pittorini, we understand that no two clients are the same. We would be delighted to meet with you to determine how you can make best use of our team and the services we provide. Taxation services Accounting services Business support
- [Employment opportunities](https://www.csjp.com.au/site/firm-profile/employment/) - Carter Shrigley Johnson Pittorini is always on the lookout for new talent. We offer a friendly working environment, excellent opportunities for advancement and desirable salary incentives. Please fill out the form below to make an application or an enquiry about current positions available. [contact-form 2 "Careers"]
- [Developing your business](https://www.csjp.com.au/site/developing-business/) - Once you’ve successfully established your business, you’ll want to aim for steady growth and development so that your ventures remain profitable. Expanding your business means constant planning, analysis and innovation. You will need to have a detailed overview of the current state of your business, and have reasonable expectations for the future. However, you must
- [Avoiding the Cash Flow Crunch](https://www.csjp.com.au/site/avoiding-cash-flow-crunch/) - Every business, particularly if it is small, has the potential to improve its cash position often with little or no investment. The key is to make an objective assessment of the company’s financial policies, searching for inefficiency in its cash flow. By focusing on managing the following areas, businesses can get maximum benefit from the
- [Inventory financing](https://www.csjp.com.au/site/inventory-financing/) - How much are you spending on goods and materials? Do you have too much in stock? Inventory is a significant investment for any small business and can create a severe strain on cash flow. Surplus inventory yields a zero rate of return and unnecessarily ties up the firm’s cash. Businesses can avoid these common problems
- [Receivables & payables](https://www.csjp.com.au/site/receivables-payables/) - Managing receivables and payables is all about getting cash in the door as fast as possible, cutting costs, and making payments as late as possible. By accelerating receivables and stretching out payables, businesses are in a much better position to control their cash flow. Receivables An unfortunate fact of any business transactions is that customers
- [Better financial control](https://www.csjp.com.au/site/financial-control/) - Business people recognise that generating healthy cash flow requires a substantial amount of control of your finances. This is achieved by: Deciding which areas you need to monitor and how frequently Generating the numbers quickly and accurately Sharing the results with everyone who needs to know them Interpreting the numbers correctly Taking appropriate and timely
- [Avoiding bad debts](https://www.csjp.com.au/site/avoiding-bad-debts/) - Having bad debtors is damaging to cash flow and can be extremely dangerous for any business. Techniques to avoid bad debtors include: Obtaining a credit reference on the organisation that you intend to trade with Avoiding doing business with companies whose credit rating is poor Ensuring that the other company knows your payment terms at
- [Negotiation](https://www.csjp.com.au/site/negotiation/) - The art of negotiation plays one of the most essential roles in the act of buying or selling a business. It can be a long and difficult process but there are ways to speed it up whilst achieving a successful outcome. Firstly, differing perspectives must be taken into account. Differences of opinion are inherent in
- [Closing the transaction](https://www.csjp.com.au/site/closing-transaction/) - The final legal procedure by which a company changes hands is a business settlement or closing. Good settlement solicitors may be acquired to represent all parties and solve the final barriers. After a buyer and seller have entered into a contract of sale there are then a number of conditions which must be met before
- [Making and evaluating offers](https://www.csjp.com.au/site/making-evaluating-offers/) - After a buyer has investigated a number of companies, they will then make an offer. An offer may take the form of a purchase and sale agreement or a letter of intent. Although they have different names, the two documents serve the same purpose; both are means of documenting a buyer’s expression of interest. Regardless
- [Pricing the company](https://www.csjp.com.au/site/pricing-company/) - Pricing a company is what is known as business valuation. Business owners will usually use an intermediary such as an accountant in order to get the most accurate business valuation. This is because business valuation is a hugely complex issue involving a number of variables and assumptions such as; The recent profit history of your
- [Financing the purchase](https://www.csjp.com.au/site/financing-purchase/) - The purchase of a business requires a certain amount of cash, depending on the size of the company. Sometimes the financing of the purchase is done primarily by the seller however the buyer must then provide equity in the form of a down-payment. Often the transaction must be financed by the buyer who will likely
- [Evaluating the company](https://www.csjp.com.au/site/evaluating-company/) - The first thing a buyer will do is evaluate the company by its history. The buyer needs to understand certain key aspects of the company such as: The company’s method of acquiring and serving it’s customers How the sales, marketing and finances inter-relate To do this the company’s financial statements, operating practices and other documents
- [Finding sellers and buyers](https://www.csjp.com.au/site/finding-sellers-buyers/) - After they have made preparations to sell the company a seller must then find a buyer. Similarly, after having considered the criteria a potential company must cover, a buyer must find a seller. The best source of information for both the buyer and the seller on how to do this is a business opportunity intermediary.
- [Making the decision](https://www.csjp.com.au/site/making-decision/) - Business owners make the decision to sell based on a variety of reasons including: Retirement Partnership dispute Diminished interest Illness or death Company growth beyond the business’ capacity to fund Growth beyond the ability of the existing owner to manage The decision to sell a business is often more difficult than selling an asset because
- [Good employee relations](https://www.csjp.com.au/site/improving-business-performance/good-employee-relations/) - Reducing staff turn-over can save time and improve your business significantly. In order to remain content in the workplace employees need motivation and encouragement and as a business manager it is your decisions which affect those two things. The best workplace environments are created by managers who: Know their staff Take training seriously Actively encourage
- [Improving business performance](https://www.csjp.com.au/site/improving-business-performance/) - Business owners understand that making profits is not easy. Making more profits is even harder. Unfortunately for the many profffessionals working in business, the only place that profits come before work is the dictionary. However, this needn’t be discouraging because it also means that hard work can be turned into profits. Improving you business is
- [Staff incentives](https://www.csjp.com.au/site/improving-business-performance/good-employee-relations/staff-incentives/) - Staff incentives are another great booster for the friendliness of the working environment. Staff incentives need not impact on profitability, but rather enhance it. There already exist many low-cost incentives used by business managers today, for example: Flexitime can allow staff greater freedom in their work-life balance. Generally, employers require staff to be at work
- [Staff appraisals ](https://www.csjp.com.au/site/improving-business-performance/good-employee-relations/staff-appraisals/) - One of the best ways to achieve this kind of environment is through staff appraisals. These can be in the form of standardised forms on which you can set an overview of each employee’s role, including a statement of their main responsibilities, achievements and constructive suggestions for the future. Staff appraisals might also be in
- [Clever marketing strategies ](https://www.csjp.com.au/site/improving-business-performance/clever-marketing-strategies/) - Regardless of the industry, marketing is essential. Employing good marketing strategies can be the fastest and best way of improving your businesses overall performance. When reviewing your sales strategies ask yourself, or your marketing department, these questions: Are your products/ services distinguishable from your competitor’s? Are you following your marketing plan? Do you have one?
- [Better financial control](https://www.csjp.com.au/site/improving-business-performance/financial-control/) - Business people will recognise the importance of financial control in sustaining and improving profitability. Sometimes, as your business matures it can be easy to lose some of the control you originally had. In other cases, businesses have not had sufficient control from the beginning. Good financial control and stability involves: Identifying and frequently monitoring key
- [Improving your business plan ](https://www.csjp.com.au/site/improving-business-performance/improving-business-plan/) - Attention to your business plan should not be restricted to the start-up of your business. Regularly revising your plan can help you to clarify the direction of the business and to create new objectives. A great way of improving your existing business plan is to utilise recently acquired employee’s expertise. Take a look at your
- [Benchmarking](https://www.csjp.com.au/site/improving-business-performance/benchmarking/) - Most businesses know they require improvement, the hard part is finding out where. The best way to get around this problem is by benchmarking. Benchmarking involves the measuring the performance of one’s business against that of others in similar markets and entails: Establishing standards to help you achieve the best relationships with your customers and
- [Cash Flow Projections](https://www.csjp.com.au/site/cash-flow-projections/) - An essential element of cash flow management is a cash flow projection. Cash flow projections help businesses to prepare for potential cash shortages by: Maintaining adequate cash reserves to pay bills, expand the business and make capital improvements Reduce interests costs through managing borrowing Increase interest income by shifting funds into higher-interest accounts Receive discounts
- [Trimming Overhead Costs](https://www.csjp.com.au/site/trimming-overhead-costs/) - High overhead expenses can strain a firm’s cash supply to the breaking point. Business owners can trim their overheard costs in a number of ways: Lease instead of buy. Automobiles, computers, equipment and other assets can be leased and will help you to avoid large capital outlays frequently regarded as down payment. Avoid nonessential outlays.
- [Raising money](https://www.csjp.com.au/site/raising-money/) - Now that you have a business plan on paper, it’s time to think about how you’ll get the money to invest in your business. There are a variety of options to choose from, but you need to ensure you plan your budget carefully and get expert financial advice to minimize any risks. Financial sources might
- [Setting up shop](https://www.csjp.com.au/site/setting-shop/) - There are different options for setting up shop, depending on the nature and size of your business. You may initially wish to work from home, you might consider leasing or you might even wish to buy your own premises to conduct your business operations. In order to determine the best option for you and your
- [Growing your business](https://www.csjp.com.au/site/growing-business/) - Taking your business to new heights is not just about selling more products. There are a lot of resource management and business strategies that are involved when you decide to expand your size and scope. Some things to think about include: Hiring new employees It takes the right people to run successful businesses. Hiring is
- [Managing your money](https://www.csjp.com.au/site/managing-money/) - As a business owner, it is important to ensure complete financial control if you wish to maintain and improve the health of your business. It is a good idea to enlist the help of an accountant in order to get expert financial advice, especially when making important financial decisions. The following are some of the
- ['Insuring' your bright future](https://www.csjp.com.au/site/insuring-bright-future/) - The purpose of insurance is to give you security and peace of mind in case of any unforeseen disasters or emergencies. There are different kinds of insurance applicable to businesses, including: Personnel insurance – cover losses arising from the death of any staff member Product and public liability insurance – the former covers damage by
- [Legal formalities](https://www.csjp.com.au/site/legal-formalities/) - In order to set up your business, you will have to go through some legal formalities. Firstly, you will need a business name. Choose something that is relevant, memorable and reflects the image you want to project. It’s important to conduct some research to ensure the name is available and is not patented or copyright
- [Presenting to the investor](https://www.csjp.com.au/site/presenting-investor/) - Your business will need financing, and a lot of the time, this means finding an outside investor who beliefs in your ideas and is willing to provide you with the money to make them a reality. You will need to present your business plan and investment proposal to a potential investor so you need to
- [Writing a business plan](https://www.csjp.com.au/site/writing-business-plan/) - Perhaps the most important aspect of starting up a new business is to write a detailed, accurate and effective business plan. A water-tight business plan will give you the direction and focus you need to channel your energies more effectively toward the fulfillment of your business goals. Writing a business plan requires both extensive financial
- [Doing your research](https://www.csjp.com.au/site/research/) - It is essential that before you even start thinking about your own business, you conduct extensive research into the marketplace. This means understanding your target audience and knowing who your potential customers are, where they are and what they are looking for. It also means you identify your competition: what other companies are offering similar
- [Getting started](https://www.csjp.com.au/site/started/) - You’re probably starting a new business because you have a great idea for a product or service which you feel has the potential to appeal to a large enough audience to make a profit. In short, you believe in your idea enough to invest your time and money into it. Before you start, ask yourself
- [Keeping track of paperwork](https://www.csjp.com.au/site/keeping-track-paperwork/) - Particularly during this crucial phase of your business development, it is extremely important to make sure you have set up a proper financial management or accounting system to keep track of where your money is. You need to be aware of every cent or you risk spending money that you don’t have. In a growing
- [Managing expenditure](https://www.csjp.com.au/site/managing-expenditure/) - The best way to earn a buck is to save a buck. There are various smart business practices you can use in order to make sure that you’re keeping overhead and operational costs to a minimum, thereby increasing your profitability. Below are some techniques to help you become penny-wise: Becoming a member of a trade/industry
- [Balancing sales and expenses](https://www.csjp.com.au/site/balancing-sales-expenses/) - When preparing your cash flow statement, you need to ensure that your sales and expenses are carefully balanced. It is often a good idea to create a daily or weekly cash flow projection. You may also consider changing around the month’s beginning and end dates so that the cash coming in during a particular time
- [Overheads and costs](https://www.csjp.com.au/site/overheads-costs/) - Budgeting for your business is tricky business indeed. If you estimate that you’ll need more than you actually do, you may end up borrowing too much money from creditors and have to deal with excessive interest rates. On the other hand, if you underestimate the amount of finances you’ll require, you may end up not
- [The break-even point](https://www.csjp.com.au/site/breakeven-point/) - The break-even point can help you visualise the relationship between various costs over time. It identifies the moment where you have recovered your total cost and begin making a profit, and is often displayed as a dollar amount on a graph. There are two types of costs: fixed and variable. Fixed costs are those that
- [Understanding financial statements](https://www.csjp.com.au/site/understanding-financial-statements/) - Balance sheets and income statements are checks that tell you about the health of your business and are used to keep track of your finances. They are used to manage your operations and provide information that you and your accountant may need to make important financial decisions and formulate effective business strategies. A balance sheet
- [Managing your money](https://www.csjp.com.au/site/managing-money-growth/) - While increased return on investment and profits are necessary for growth, it’s your accountant’s job to show as few profits on paper as possible to allow you to save on taxes. It’s a good idea to discuss with your accountant how you can legitimately transfer forward some of your operating expenses in order to increase
- [Applying for a loan](https://www.csjp.com.au/site/applying-loan/) - In order to receive any kind of financing, a bank or creditor will firstly want to determine whether your business is credit worthy. They might ask you about your cash flow, financial forecast, economic outlook and repayment plans. They will also require you to put up some form of security (link) to secure the loan
- [Managing cash flow](https://www.csjp.com.au/site/managing-cash-flow/) - Once you have collected the funds necessary to grow your business, you need to make sure that you manage them wisely. It’s important to keep regular checks on your cash flow by undertaking cash flow projections. These may be done on a monthly or yearly basis (or as per the specific needs of your company).
- [Starting up](https://www.csjp.com.au/site/starting/) - You have two choices when starting up your business: grow slowly and fund future growth from profits accumulated over time borrow money from lenders to invest and expand exponentially, then pay off the pending debts Just as a financial year sees many ups and downs, a business goes through various stages during its life cycle.
- [Projecting financial statements](https://www.csjp.com.au/site/projecting-financial-statements/) - Before initiating a growth phase, it is important to develop a projected income statement, cash flow statement and balance sheet. These documents can be developed one, two or even five years into the future, depending on your situation. However, estimating figures that far in advance can be tricky. Profit margins are particularly difficult to accurately
- [Brainstorming](https://www.csjp.com.au/site/developing-business/brainstorming/) - Having regular brainstorming sessions with your colleagues, employees and management team can be a great way to identify strengths and weaknesses; problems and opportunities. Unfortunately, within many businesses these kinds of meetings are often inefficient and unproductive. Week after week we organize brainstorming sessions with our team members in conference rooms and cafeterias in order
- [Benchmarking](https://www.csjp.com.au/site/developing-business/benchmarking/) - While you are developing your business, it is important to keep on eye on your market position. A great way to do this is through benchmarking, where you measure the performance of your business against that of your competitors. Effective benchmarking: Establishes industry standards Identifies strategies to achieve the best possible relationships with your customers
- [Outsourcing](https://www.csjp.com.au/site/developing-business/outsourcing/) - One of the strategies you might use when developing and growing your business it to outsource some of your non-core operations. Processes such as cleaning, customer service, payroll, marketing and IT are commonly outsourced to external organizations. Before you make the decision to outsource, consider all possible advantages and disadvantages for your business. Advantages might
- [Managing new staff](https://www.csjp.com.au/site/developing-business/managing-staff/) - Growing your business often means taking on new staff. At this important phase of your business, you’ll want to make sure that the people you hire are right for the job. Making the right recruitment decisions can mean the difference between success or failure. It is important to establish a structured process for recruitment. You
- [Building a brand](https://www.csjp.com.au/site/developing-business/building-brand/) - Corporate branding is one of the most effective strategies to expand and develop your business. Your brand should be a reflection of you and your business, and should set you apart from your competitors. It should create a unique image of what you want your customers to think about your business. A successful brand inspires
- [The business plan](https://www.csjp.com.au/site/developing-business/business-plan/) - Chances are you would have created a business plan during the early stages of setting up your business. The development stage of your business is a great time to re-asses your goals and objectives, and to identify areas of improvement or opportunity. Business plans not only help in the assessment of financial situations, but also
- [Strategic business planning](https://www.csjp.com.au/site/developing-business/strategic-business-planning/) - Strategic planning is key to successful business development. It is imperative to know what your future goals are, and what you realistically need to do to achieve these goals. In order to improve performance, prepare for any unexpected problems, grow the business and maximize profits, it is essential to formulate carefully-planned strategies based on extensive
- [Advantages of being small](https://www.csjp.com.au/site/developing-business/advantages-small/) - Although developing your business is important to ensure growing profits, expansion is a long-term financial commitment. Meanwhile, there are many advantages to being a small or medium-sized business – taking advantage of these by carefully planning and managing your business is the key to maximizing productivity and profitability. Advantage in the labour market During a
- [Types of loans](https://www.csjp.com.au/site/types-loans/) - There are different types of loans available to individuals and businesses. The two most basic kinds of loans include lines of credit and installment loans, which can be either short-term or long-term. They are explained in some detail below: Overdraft - The bank provides financing when required, but only up to a predetermined limit. You
- [The loan proposal](https://www.csjp.com.au/site/loan-proposal/) - An effective way of speeding up the application process and making a good impression on your lender is by preparing a loan proposal. A loan proposal gives an overview of the different aspects of your business, and could include the following information: General information - Provide your business name and address. Give precise details about
- [The loan agreement](https://www.csjp.com.au/site/loan-agreement/) - The loan agreement is a formal document, outlining all terms and conditions of the loan. It is tailor-made for each specific loan and states the loan amount, responsible parties, terms of repayment and any relevant limitations. Before you sign the loan agreement, make sure you understand and agree with all its terms and conditions –although
- [Security](https://www.csjp.com.au/site/security/) - Loans can be either secured or unsecured. An unsecured loan does not require any form of security, other than a signature and credit reputation. However, most loans require larger security, including some or all of the business assets. There are many different types of security: Co-maker - A co-maker enters the loan with the borrower
- [Loan checklist](https://www.csjp.com.au/site/loan-checklist/) - The more information you provide to your lender, the higher are your chances of getting your loan approved. Different lenders have different documentation requirements, but the list of information is always extensive and takes a lot of time and effort to gather. It is better to be well prepared before applying for your loan, so
- [Sample business plan](https://www.csjp.com.au/site/sample-business-plan/) - Writing a business plan is essential at the start of any business – but its use does not stop there. Your business plan should be consulted and reviewed at any important turning point of your business to ensure you are still meeting your goals and objectives. A business plan is an invaluable resource during the
- [How to get your loan approved](https://www.csjp.com.au/site/loan-approved/) - A lender will only provide you with the necessary funds if they are convinced your business is a worthy investment. They will not approve your loan if you cannot assure them of your financial stability and security. After all, a lender does not earn anything a loan which remains unpaid and just like you, they
- [Loan application](https://www.csjp.com.au/site/sample-loan-application/) - A loan application form is used to collect any relevant information about you, your business and your loan requirements at the start of the application process. It often outlines specific documents that the lender requires – it is important to bring ALL of this documentation or the application process cannot proceed. Ensure you fill out
- [Advantages of borrowing](https://www.csjp.com.au/site/advantages-borrowing/) - Applying for a loan is only one possible way of financing your business. Other options include equity investments, where an investor becomes part-owner of your business, and government grants. Deciding which form of financing works best for you and your business can be tricky, and depends largely on your specific requirements and financial situation. Before
- [Company secretarial](https://www.csjp.com.au/site/our-services/company-secretarial/) - Communication and effective administration are essential elements of a successful organisation. Regardless of the size of your business, we are ready to support you with a team of highly qualified secretarial and support staff. Our company secretarial services include: Preparation and filing of statutory returns Preparation of minutes and resolutions Company formation Company searches
- [Work your plan](https://www.csjp.com.au/site/making-your-smart-plan-work-for-you/) - Now it is time to start putting your personal SMART plan together. First, make sure your goals are specific and measurable. This means you should have a clear picture of the things you want to achieve, and how much money you will need to achieve them. Next, consider whether all your goals can actually be
- [Where to begin](https://www.csjp.com.au/site/knowing-where-you-are-starting-from/) - Before we ask you what plans you have for investment, take some time to consider how you are using your current income. Use the monthly budget table to work out where you think your money goes now, using the ‘Actual’ column to record your income and outgoings over the coming month. Use the ‘Intended’ column
- [Setting a goal](https://www.csjp.com.au/site/smart-goals-plans/) - In this section we suggest a number of areas where you might need to consider planning for the future. The key to successful personal planning is to set SMART personal goals and make a SMART plan for achieving them: SPECIFIC Goals should be straightforward and emphasise what you want to happen. Specifics help us to
- [Setting goals](https://www.csjp.com.au/site/setting-goals/) - In this section we suggest a number of areas where you might need to consider planning for the future. The key to successful business planning is to set SMART business goals and make a SMART business plan for achieving them: SPECIFIC Goals should be straightforward and emphasise what you want to happen. Specifics help us
- [Business life cycle](https://www.csjp.com.au/site/a-lifetime-of-business-financial-planning/) - Every business has its own life cycle, and tax and financial planning is important at every stage in that cycle. Whether your business is new, expanding, or mature; whether you are just starting your first business or approaching retirement, it is important that you make well-informed decisions to ensure that you are following the best
- [Staying on track](https://www.csjp.com.au/site/keeping-your-plan-on-track/) - It is important to review your plan at regular intervals to take account of changes in income and outgoings as well as other circumstances, such as a new job or an addition to the family. You also need to weigh up new investment products as they come onto the market, and change your plan to
- [Retirement](https://www.csjp.com.au/site/looking-ahead-to-your-retirement/) - For most people, the retirement pension does not, and will not, provide sufficient income for a comfortable retirement. Successive governments have made it clear that private provision for retirement is now essential. Therefore, throughout your working life – starting as early as possible – you will need to build the resources necessary to provide an
- [Putting it all together](https://www.csjp.com.au/site/putting-your-personal-financial-plan-together/) - Now you know where you are starting from, you can begin to consider where you want to go to. Remember, SMART planning means setting targets that are specific, measurable, achievable, realistic, and time-based. A useful starting point would be to refer back to the section on a lifetime of personal financial planning and create your
- [Personal life cycle](https://www.csjp.com.au/site/a-lifetime-of-personal-financial-planning/) - Throughout life, from childhood to retirement, circumstances and priorities change. Personal goals at age 25 will be very different from those at age 63, but at every stage it is important to make well-informed decisions to ensure that you and your family are following the best strategies for realising your goals. Childhood – It is
- [Exiting your business](https://www.csjp.com.au/site/planning-your-exit-from-the-business/) - For some people their business is a separate entity that will continue after they retire or leave. For others it is so closely dependent upon their personal input that it will simply come to an end when they stop working. Either way, you need a carefully planned exit strategy that will enable you to optimise
- [Your retirement income](https://www.csjp.com.au/site/planning-for-retirement/planning-your-retirement-income/) - For most people, the retirement pension does not, and will not, provide sufficient income for a comfortable retirement. Successive governments have made it clear that private provision for retirement is now essential. Therefore, throughout your working life – starting as early as possible – you will need to build the resources necessary to provide an
- [Planning for retirement](https://www.csjp.com.au/site/planning-for-retirement/) - SMART business planning involves not only planning how you will start up and run your business, but also how you will leave your business when the time comes to enjoy a secure and comfortable retirement. There are two important areas that require consideration: 1 Planning your retirement income 2 Planning your exit from your business
- [Putting it all together](https://www.csjp.com.au/site/putting-your-business-financial-plan-together/) - Whatever stage you are at in your business cycle you need to: • Develop a SMART business plan • Implement the plan • Regularly monitor your performance against the goals in the plan • Review and adjust your plan where appropriate Remember, you do not need to do all of this on your own. We
- [At last - retirement!](https://www.csjp.com.au/site/a-lifetime-of-business-financial-planning/in-retirement/) - After forty or more years at work it is time to take a well-earned rest, but you still need to keep one eye on personal financial planning if you want to enjoy a long and comfortable retirement. This may also be the time to begin putting some money aside for your children or grandchildren. Just
- [Preparing for exit](https://www.csjp.com.au/site/a-lifetime-of-business-financial-planning/planning-your-exit/) - At some point you will want to leave your business – whether to move into a new venture, or to retire. Either way, you need to plan your exit well in advance to ensure that you optimise your position. You will also need to give consideration to what will happen to your business when you
- [Time for expansion](https://www.csjp.com.au/site/a-lifetime-of-business-financial-planning/time-for-expansion/) - Once your business is established and sales are at a satisfactory level it is time to review your business plan and decide how your business should move forward. If you want to expand both the top and bottom lines of your business you might need to review the entire plan. Should you go for ‘more
- [Planning for profit](https://www.csjp.com.au/site/a-lifetime-of-business-financial-planning/the-early-years/) - Many young and growing businesses fail during the early years because the owner is too close to the action – so involved in the day-to-day running of the business that he or she forgets to step back once in a while to see how the business is doing and whether or not the business plan
- [Starting with a dream](https://www.csjp.com.au/site/a-lifetime-of-business-financial-planning/starting-with-a-dream/) - Before you can move forward, you need to adopt goals and a philosophy for your business. In other words, what do you want your business to achieve and what are the values you want to adopt to achieve those goals. You can start by asking yourself: Why am I in business? What products or services
- [A word about tax](https://www.csjp.com.au/site/a-word-about-tax/) - We have access to considerable expertise and will keep you up-to-date with changes in tax legislation to adjust your business plan accordingly. Many of the decisions you make about the future of your business will have consequences in terms of tax liabilities or tax benefits, either now or at some time in the future. Although
- [Before you begin](https://www.csjp.com.au/site/before-you-begin/) - If you are not careful, it is easy for your personal financial goals and your business goals to conflict. For example, your personal financial plans might include maximising the income stream from your business so that you can make the largest possible investment in a superannuation fund, but one of your business goals might be

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