Why Business Owners Need a Financial Adviser

Most business owners have an accountant. Some have a lawyer. Very few have a financial adviser and that’s usually the missing link.

If you’re running a business, chances are you’ve got big decisions to make all the time: buying equipment, taking on staff, figuring out if you can afford to grow or need working capital. And the truth is, most of us are just figuring it out as we go.

But a good financial adviser one who understands business helps you make those decisions with clarity, not guesswork.

What a financial adviser actually does (for business owners)

It’s not KiwiSaver and life insurance.

A proper business-focused adviser can help you:

• Find finance to purchase new assets whether that’s equipment, vehicles, or even a new premises

• Structure working capital so you can fund growth or cover cashflow gaps

• Build a risk plan so you’re not exposed if something happens to you or a key shareholder

• Work through key decisions like when to expand, when to sell, or how to exit

• Separate your personal and business wealth so your future isn’t tied to your P&L

Why it matters more than ever

Too many owners try to wear every hat and the result is financial decisions made without the full picture. You might be:

• Over-leveraged and not even realise it

• Missing smarter funding options (like non-bank lending or invoice finance)

• Relying on your accountant for advice that’s outside their scope

This isn’t about selling a product it’s about having someone in your corner who can look at your structure, your plans, your risk, and say: "Here’s what you should do next."

Best of all…. They don’t cost anything to talk with.