Most service business owners already have an accountant and a bookkeeper. But many still don't know why profit feels lower than expected, why cash feels tighter than it should, or what to do next. Before changing anything, including pricing, ask three questions: What is driving the profit problem? Why does cash feel tight? What does the business need to do next? Clarity on all three leads to better decisions without sacrificing what makes the business special.

From 1 July 2026, Payday Super changes how Australian employers pay superannuation. For service businesses with regular payrolls, the cashflow impact is bigger than most realise. Here is what to do before July arrives.