At CFV Advisory, we work with ambitious business owners who want more than just a profitable company. They want personal wealth, freedom, and a legacy that lives beyond the business.
If your business is worth $1M–$20M, you have $1M+ in investable assets, and you’re still actively growing—it’s time to make your wealth work harder.
We’re here to help you 5x your net worth in the next 10 years.
Not through wild bets or generic advice, but through a personalised, deeply strategic approach built on expertise, execution, and partnership.
Why the 5x Strategy Is Built for Business Owners
You’ve built something substantial. But your wealth is still largely tied up in one place: your business. That means high risk, limited liquidity, and exposure to tax, market, or succession events that can hit hard if not planned for.
Our 5x Strategy is built to change that—by helping you:
- Extract and diversify wealth beyond the business
- Create a structured exit or succession roadmap
- Optimise tax, debt, and investment strategies across all your entities
- Build personal wealth that grows on its own terms
- Protect your legacy from litigation, divorce, or market shocks
The CFV 5x Framework for Business Owners
To multiply your wealth, we work across every part of your financial world—business, personal, structural, and strategic. Here’s how:
1. Personal-Business Wealth Separation
Most business owners blur the lines. We help you cleanly separate your personal and business finances across entities, structures, and goals—so you know exactly what’s building your future and what’s fueling operations.
2. Succession & Exit Strategy
No more hoping it’ll “just work out.” We map out your succession plan, build the exit timeline, and layer in tax and liquidity strategies to ensure you get maximum value—on your terms.
3. Asset Efficiency Review
We evaluate everything you own—inside and outside the business—including equity, property, retained earnings, and cash reserves. Our goal is to identify underutilised or idle assets and reposition them for higher performance. That includes turning dormant business profit or excess capital into long-term, tax-effective investments.
By making both personal and business assets more efficient, we help you unlock capital, reduce drag, and accelerate wealth growth across every part of your financial ecosystem. We evaluate everything you own—business equity, property, cash reserves—and help reposition underutilised assets where they can work harder. That includes turning idle business profit into long-term, tax-effective investments.
4. Smart Debt Utilisation
We help you use debt as a strategic tool both inside and outside the business: to invest, extract equity, and manage tax across personal and business structures. Whether it’s financing growth, acquiring assets, or unlocking trapped equity, we ensure your debt is working with your wealth strategy—not against it. Done right, this can accelerate wealth creation without increasing risk. We help you use debt as a strategic tool: to invest, extract equity, and manage tax across personal and business structures. Done right, this can accelerate wealth creation without increasing risk.
5. Tax Strategy Across All Entities
We work closely with your accountant (or bring one in) to reduce tax drag across trusts, companies, SMSFs, and your personal position. That includes dividends, salary, super contributions, and capital gains.
6. Spending Plan, Personal & Business Cash Flow Management
You don’t need a restrictive budget—you need an integrated cash flow system. We design a tailored framework that coordinates both your personal and business cash flow, ensuring consistency, visibility, and control across the board. From business distributions to reinvestment decisions, you’ll know exactly where every dollar is going and what it’s building.
We help you maintain your lifestyle, free up trapped cash, and make smart reinvestment or extraction decisions—without starving your business or stalling personal progress. It’s about balance, clarity, and cash flow with purpose. You don’t need a budget—you need a system. We give you a smart money framework that maintains your lifestyle while quietly building your financial future in the background.
7. Emergency Liquidity & Crash Resilience
Too many owners are over-leveraged or overexposed—both inside and outside the business. We help you establish buffers and liquidity reserves across personal and business accounts, so you’re prepared for market shifts, slowdowns, or unexpected costs.
This isn’t about hoarding cash—it’s about positioning. With the right buffers in place, you gain the confidence to seize opportunities when others panic and the ability to weather downturns without derailing your long-term plan. Too many owners are over-leveraged or overexposed. We put buffers and protections in place—so if markets shift or business slows, you’re ready with cash and clarity, not panic.
8. Long-Term Vision Mapping
Whether it’s full retirement, a part-time advisory role, or building a philanthropic legacy—we help you define what you want the next chapter to look like, and reverse-engineer the plan to get there.
9. Legacy & Asset Protection Strategy
We create strategies to protect and pass on wealth—safely and strategically. That includes family trusts, charitable foundations, and structures that guard against business risk, divorce, or lawsuits.
10. Super & SMSF Optimisation
Super often gets overlooked by business owners. We make sure you’re using it properly—as one of your most tax-efficient wealth-building tools. We also explore how to strategically use SMSFs not just for retirement, but as an active tool to enhance your overall wealth plan.
This includes investing through super into commercial or residential properties—potentially even purchasing your own business premises—allowing you to build wealth while aligning with business growth. With the right strategy, your super can serve both your personal future and your current business goals. Super often gets overlooked by business owners. We make sure you’re using it properly—as one of your most tax-efficient wealth-building tools.
11. Insurance Strategy
You’ve taken risks to build your business. Now we protect your progress. We review and right-size your cover, helping you stay protected today and grow toward self-insurance tomorrow.
12. Victor’s Investment Edge
With 16+ years of hands-on experience and one of the rarest combos in wealth (CFA, CFP®, Master’s in Finance), Victor helps you build a portfolio that complements your business—not competes with it.
This Is a True Partnership—Not a One-Off Plan
We don’t just build a strategy—we stick around to help you live it.
Our 5x Strategy includes structured reviews, regular updates, and guidance through life, business, and market changes. It’s built to evolve with you.
And yes, we back ourselves:
If you work with us for 10 years, follow the strategy, and don’t 5x your wealth—we’ll keep working with you beyond the 10-year mark, free of charge, until you do. That said, we actually believe business owners can do far more than 5x. But we’d rather promise conservatively—and overdeliver for you.
That’s how confident we are in what’s possible when you combine your drive with our strategy.
Ready to Multiply Your Wealth?
If you’re a business owner with real ambition and $1M+ in assets ready to be activated, this is your moment. Let’s go beyond growth. Let’s build legacy-level wealth—together.
📞 Book a Discovery Call
📩 Or email us at admin@cfvservices.com.au
Let’s unlock what your business has built—and turn it into a future that works for you.
Any discussion in this article does not take into account your objectives, financial situation or needs. Before acting on it, you should consider whether it’s appropriate to you, in light of your objectives, financial situation or needs.