Make your business work for you
Are your business and personal finances set up to make the most of being a business owner?
As a business owner, your structure, finances, and planning should support not just your business goals, but your personal lifestyle and long-term success. Our Business Owners Optimisation Checklist helps you identify key areas to improve efficiency, reduce tax, and unlock greater value.
Download the checklist (EDIT PDF) and explore each area of consideration below to ensure you're getting the best outcome for both your business and yourself.
Financing & Structure
We ensure our clients have the optimal business structure and financing to support their goals now and into the future, including securing the best deals for them and their businesses.
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Is your lending structured as efficiently as possible? We’ll review your current borrowing and ensure that you are set up in a tax-efficient manner. This can reduce costs, free up capital, or create new opportunities for investment and growth.
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The right structure can protect your assets, reduce tax exposure, and support succession planning. We’ll assess your current structure and recommend changes to improve your financial outcomes.
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Paying large provisional tax? Tax pooling can smooth cash flow and avoid IRD penalties. We’ll assess if it suits your needs.
Tax & Expenses
We work with our clients to ensure they are set up for tax efficiency across all areas of business and personal life.
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Many business owners miss legitimate deductions. We’ll review your expense categories to ensure you’re claiming everything you’re entitled to, without overstepping IRD rules.
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Whether your vehicle should be owned privately or by the business depends on usage, structure, and tax implications. We’ll help you decide the most efficient setup.
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Are you making the most of income splitting strategies? We can help structure income allocations to family members in a compliant way that optimises your after-tax income.
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It’s important to understand how retaining profits in your company impacts tax, future investment, and personal wealth. We’ll guide you through the pros and cons, and how to access funds tax-effectively when needed.
Business improvement
As the business grows and profits increase, this directly impacts its value. All things being equal, if you purchase a business for $100k and double the profit, it will be worth twice as much when you sell it (and any gain is a tax-free capital gain!).
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What could you do with more time? We help you identify inefficiencies and automate or delegate the right tasks—so you can focus on what matters: your family, hobbies, or that next big idea.
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Your business is likely your biggest asset. We’ll work with you to grow profit strategically to maximise your return.
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One of the best-kept secrets of small business ownership is the gain from selling your business. If you double your profit, your business value may double—and so can your potential return. We can help you maximise the value of your business.
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Solid forecasting isn’t just for the bank. It gives you control over decision-making and peace of mind in uncertain times. We build dynamic, easy-to-understand forecasts so you can plan confidently for growth, downturns, or big decisions.
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What would happen if a key person in your business couldn’t work tomorrow? We help identify key-person risk, recommend insurance solutions, and develop continuity plans so your business stays resilient.
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Many businesses are running inefficient systems that cost time and money. We review your current systems and recommend smarter tools for accounting, inventory, job management, or reporting, integrated with your Xero or core platform.
Buying, selling & exit planning
Buying or exiting a business is one of the biggest financial decisions you’ll make. Whether you’re looking to purchase, plan your succession, or prepare for an eventual exit, the right advice can protect value, reduce risk, and set you up for long‑term success. We help you make informed decisions at every stage.
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We can help you assess the opportunity, understand the business value and what to offer, and support your due diligence to ensure you are set up for success from day one. Whether purchasing a business outright or buying a shareholding in a current business, we can help.
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Many business owners wait too long to plan their exit, whether through sale, succession, or retirement. We can help you develop a succession plan that preserves value, ensures continuity, and maximises your return when it is time to step back or sell.
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If you’re in business with others, it’s essential to have clear agreements in place around roles, responsibilities, exit options, and profit distribution. We’ll help you ensure you have robust governance structures and shareholder agreements that protect all parties and prevent future disputes.
Make sure your business is working for you—not the other way around.
If your accountant isn’t proactively reviewing and optimising these areas, your business may not be working as hard for you as it should, and that could be costing you. At Kendons, we take the time to truly understand your business and personal goals, so we can advise on the areas that will have the greatest impact. From quick wins to long-term planning and succession, we help you build a high-value business you can grow, sell, or pass on with confidence.
Next Steps
Get in touch to book your Business Owners Optimisation Review with one of our experienced advisors. We’ll turn your checklist into a practical action plan to help you identify opportunities to improve both your business performance and your personal financial outcomes.
Call 03 343 4448 or book a meeting online.