Family Business Finance

Building Financial Foundations That Last Generations

Running a family business means thinking beyond quarterly reports. We help Australian family enterprises create financial structures that protect what you've built while preparing for whatever comes next.

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Why Family Businesses Need Different Advice

Your accountant handles compliance. Your lawyer protects assets. We focus on the messy stuff that falls between — succession planning that doesn't cause arguments, tax structures that actually make sense for families, and cash flow systems that work when three generations need different things.

Generational Transitions

Most family business failures happen during handovers. We've walked dozens of families through this process since 2019, and honestly, the financial bit is usually easier than the emotional part. But we can help with both.

Equity Distribution

Should kids who work in the business get more equity than those who don't? What about spouses? These questions keep family business owners up at night. We help create frameworks that feel fair to everyone involved.

Growth Strategy

Family businesses often get stuck between staying small and comfortable or growing fast enough to support the next generation. We model out different scenarios so you can see what each path actually looks like financially.

What We Actually Do

Financial Planning That Fits How Families Work

We're not here to sell you products or push strategies that worked for someone else's business. Every family operates differently. Some want to keep things tight within blood relatives. Others treat long-term employees like family. Both approaches can work — they just need different financial structures.

Cash flow systems that handle family salary expectations
Succession planning that minimizes both tax and family tension
Investment strategies for business profits that suit your risk tolerance
Retirement planning for founders who aren't quite ready to let go

Learn About Our Process

How We Work With Families

Most of our client relationships start with a specific problem and evolve into ongoing partnerships. Here's what that typically looks like.

Initial Assessment

We meet with whoever's currently running things and get a clear picture of the business finances, family structure, and what's keeping you up at night. This usually takes two or three conversations because the real issues don't always come up in the first meeting.

Strategy Development

We build out options based on your specific situation. Not generic templates — actual scenarios with numbers attached. Want to see what happens if you bring your daughter in as a partner next year versus waiting five years? We can model that.

Family Conversations

Often the hardest part. We facilitate discussions with the whole family about finances, expectations, and timelines. Having an outside voice in these conversations helps keep them productive rather than emotional.

Implementation Support

Once everyone agrees on a direction, we help coordinate with your accountant and lawyer to actually make it happen. Then we check in quarterly to make sure things are tracking as expected and adjust when they're not.

Bryony Kellett

Third Generation Owner

My grandfather started our manufacturing business in 1973. By the time I was ready to take over in 2023, the family structure had gotten complicated — three different branches, some working in the business, others just collecting dividends.

welyncarosa helped us create an equity structure that acknowledged past contributions while giving working family members more control over decisions. It wasn't easy, but they managed to keep everyone at the table. Two years later, we're actually growing again instead of just managing family politics.