You want choices. The freedom to step back.

You want answers to the big questions:

  • When can I actually afford to step back or sell?
  • How do I get my money out of the business without losing half to tax?
  • What’s my business actually worth – and how do I maximise that?
  • How do I protect my family if something happens to me?
  • What does life look like on the other side?
  • How do I transition my business wealth into a passive income stream for the future?

What success looks like

01
Maximised super+tax

Clear exit strategy with multiple options mapped out

You’ll know exactly when you can step back, how much you’ll walk away with, and what your different exit options look like – sale, succession, or gradual wind-down.

02
Personal welath diversified beyond business

Personal wealth diversified beyond the business

Your money working for you outside the business, structured tax-effectively, so you’re not sitting on a single asset hoping it all works out.

03
Headspace to live fully

Headspace to live fully

With the weight of financial uncertainty lifted and the big decisions made, your mind is free to focus on the good stuff — the people and moments that make life rich.

Speech Marks

We help business owners get absolute clarity about their situation, their numbers and their timeline.

Centaur Financial Advisers

Hugh Robertson, Nick Georgopoulos, Anthony Mirandilla

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How we help business owners

Exit Planning

Business Exit Planning

We work with you to map out your exit timeline, understand your business value, and identify the smartest path forward — whether that’s selling, transitioning to family, or winding down gradually.

Wealth Diversification

Wealth Diversification Strategy

We help you build personal wealth outside the business through super, investments, and property — so you’re not relying on one asset.

Tax Structuring

Tax Structuring and Optimisation

We guide you through small business CGT concessions and contribution strategies that can save you hundreds of thousands in tax.

Challenge, test, learn, change

Succession Planning

If you’re transitioning the business to family or key staff, we help structure it properly – protecting relationships, minimising tax, and making sure it’s financially viable for everyone.

Intergenerational Planning

Personal Risk Protection

We make sure your income and lifestyle are protected with the right level of personal insurance — so if illness or injury strikes, your family’s security isn’t at risk.

risk protection

Business Risk Protection

We help you safeguard the business with key person and business expenses insurance — ensuring operations continue and cash flow stays steady if something happens to you or a key team member.

Estate Planning

Estate Planning and Asset Protection

Update your will, powers of attorney, and business succession documents so your estate is structured properly. We ensure your business interests, personal assets, and super pass to the right people without unnecessary taxes or legal nightmares for your family.

Retirement income

Retirement Income Planning

Once you’ve exited, we structure your wealth to generate reliable, income that supports the lifestyle you’ve earned.

Business Owner FAQ

FAQs from Retirees

Business owners face unique financial challenges — complex structures, unpredictable cash flow and personal assets often tied to the business. Without the right planning, your wealth, family and future can all be exposed. We help separate business and personal finances, manage risk, and turn business success into lasting personal freedom.

Small business CGT concessions can reduce your tax bill dramatically — potentially to zero — if structured correctly. We help you access the 15-year exemption, 50% active asset reduction, and retirement exemption, and time your exit to maximise what you keep.

Ideally 3-5 years before you want to leave. That gives you time to maximise business value, structure your finances tax-effectively, and build wealth outside the business. But even if you’re closer than that, there’s still plenty we can do to improve your outcome.

It depends on the lifestyle you want. We model different sale scenarios and show you exactly what income you can generate from the proceeds — so you know whether you can retire comfortably, need to keep working part-time, or should hold out for a better price.

Yes, but it needs careful planning. We help structure ownership transfers, manage tax implications, and ensure the business can actually support both you (in retirement) and the next generation. Done wrong, it creates conflict and financial stress. Done right, it’s a legacy you can be proud of.

Without proper planning, your business could be forced into a fire sale or become a burden on your family. We help you set up succession documents, insurance structures, and buy-sell agreements that protect your family and your business value if something happens to you.

We help business owners and self-employed professionals structure their wealth, reduce tax, protect income and plan for freedom — with tailored advice trusted across Australia.

Gold Coast Financial Advisers helping business owners transform business success into personal financial freedom since 2009.

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