Your virtual CFO, without the full-time salary您的虚拟CFO，无需全职薪资
A virtual CFO service for owners who have outgrown basic bookkeeping but don't need a full-time CFO. Senior finance support each month, online and in person when it matters, for a monthly fee. Your accountant handles compliance. We help you plan ahead.虚拟CFO服务，适合业务已超出基础记账需求、但暂不需要全职CFO的企业主。每月提供资深财务支持，线上为主，关键时刻面谈，按月收费。会计负责合规申报，我们帮您规划未来。
Your accountant looks back. We help you look forward.会计回顾过去，我们帮您规划未来。
Most small businesses have a bookkeeper and an external accountant, and that's the right foundation. Their job is to record what happened and keep you compliant with the ATO. What's usually missing is the controller and CFO layer: someone who checks the numbers every month, looks ahead and helps you decide. Without it, that job falls to you.多数中小企业都有记账员和外部会计，这是必要的基础。他们的职责是记录已发生的业务，并确保符合澳洲税务局（ATO）的要求。通常缺少的是财务控制和CFO这一层：每月核查数据、展望未来、协助您做决策的人。没有这一层，这份工作就落在了您身上。
| Compare对比 | Your bookkeeper and accountant您的记账员与会计 | JoyIn CFO AdvisoryJoyIn CFO顾问 | Full-time CFO全职CFO |
|---|---|---|---|
| Main job主要职责 | Recording transactions, BAS, tax and year-end accounts记账、BAS、报税与年度报表 | Cash, profit, pricing and the decisions behind them现金、利润、定价及其背后的决策 | All of finance, in house全面负责企业财务 |
| Looks at关注点 | What already happened已经发生的事 | What happens next, and what to do about it接下来会发生什么，以及如何应对 | Both两者兼顾 |
| You hear from them沟通频率 | Quarterly, and at year end每季度及年底 | Every month, plus whenever you need us每月一次，有需要随时联系 | Every day每天 |
| Question they answer回答的问题 | "How much tax do we owe?"“我们要交多少税？” | "Can we afford to hire, and when?"“我们能否招人？什么时候招？” | Both, in house两者都能，全职在岗 |
| Cost成本 | Already in your budget已在预算中 | A monthly fee, scaled to what you need按需定制的月度费用 | A six-figure salary plus super六位数年薪加养老金 |
Signs the gap is costing you这些迹象说明缺口正在让您付出代价
Month-end is a mystery月底一头雾水
You find out how a month went weeks later, usually at BAS time.往往要等几周后、做BAS时，才知道这个月经营如何。
Profit on paper, short on cash账面盈利，现金紧张
The P&L says you made money, but the bank balance tells a different story.利润表显示赚了钱，银行余额却是另一回事。
Big calls on gut feel重大决定凭感觉
Hiring, pricing, a new site or new equipment, decided without a forecast behind it.招聘、定价、开新店或购置设备，都没有预测数据作支撑。
We don't replace your accountant我们不会取代您的会计
We work alongside them, using the numbers they already produce, so you get more out of what you're already paying for.我们与会计协同工作，利用他们已经整理好的数据，让您已付出的费用发挥更大价值。
The finance function most small businesses are missing多数中小企业缺少的财务职能
Monthly management reports月度管理报告
Profit, balance sheet and cash on one page, with plain commentary on what changed and why.利润、资产负债与现金汇总于一页，并用平实语言说明变化及原因。
Cash flow forecasting现金流预测
13-week and 12-month forecasts, so a cash squeeze shows up weeks before it hits.13周与12个月预测，在资金紧张到来之前数周就能预见。
Budgets and targets预算与目标
An annual budget tied to the few KPIs that actually drive your profit.与真正驱动利润的几个关键指标挂钩的年度预算。
Pricing and margin review定价与毛利分析
Find out which products, services and customers make money, and which quietly don't.找出哪些产品、服务和客户真正赚钱，哪些其实在亏钱。
Bank and finance readiness融资准备
Lender-ready numbers and forecasts for loans, equipment finance and refinancing.为贷款、设备融资与再融资准备符合银行要求的数据与预测。
KPI dashboardKPI 仪表板
A short list of numbers you check each week, built around your business.围绕您的业务设计，每周查看的几个核心数字。
AI gives you an answer in seconds. You need one you can rely on.AI几秒就能给出答案，而您需要的是可靠的答案。
AI tools are genuinely useful, and we use them ourselves for the routine work. But a decision about hiring, a bank loan or selling your business carries real money and real consequences. Being right matters far more than being fast.AI工具确实有用，我们自己也用它处理日常重复工作。但招聘、银行贷款或出售企业这样的决定，涉及真金白银和实际后果。比起速度，正确更重要。
It only knows what you paste in它只知道您输入的内容
AI doesn't know your lease is up in 18 months, your best clinician is about to leave or why March was a bad month. We do, because we ask.AI不知道您的租约18个月后到期、最得力的员工即将离职，或三月份为何业绩不佳。我们知道，因为我们会主动了解。
Wrong data, confident answer数据有误，答案却很笃定
If an expense is miscoded in Xero, AI builds on it without blinking. We check the numbers against the bank and the tax returns before anyone relies on them.如果Xero里有一笔费用分类错误，AI会照单全收继续计算。我们会先与银行流水和报税记录核对，再让任何人依赖这些数字。
Judgement comes from experience判断力来自经验
Best practice is easy to find. Knowing what fits your goals, your appetite for risk and your exit timing comes from having seen real deals and real businesses up close.最佳做法很容易查到。但什么最适合您的目标、风险偏好和退出时间，需要来自真实交易和真实企业的经验。
Someone accountable in the room关键时刻有人负责
AI won't sit across from your bank manager, broker or buyer. We will, and we stand behind the numbers we give you.AI不会陪您面对银行经理、经纪人或买家。我们会，并且为我们提供的数字负责。
The best of both两全其美
We use AI to do the routine work faster, so your fee pays for experience and judgement, not data entry.我们用AI更快地完成日常重复工作，让您的费用用于经验与判断，而不是数据录入。
A steady monthly rhythm稳定的月度节奏
Books closed完成月结
Your bookkeeper closes the month. We check the numbers make sense.您的记账员完成月结，我们核对数据是否合理。
Report and forecast报告与预测
We prepare the monthly report and roll the cash forecast forward.我们编制月度报告，并滚动更新现金流预测。
Review call回顾会议
One hour together on what happened, what's next and what to do about it.一小时沟通：发生了什么，接下来会怎样，以及如何应对。
Questions answered随时答疑
Hiring, pricing, a new lease or a big purchase. Ask before you commit.招聘、定价、新租约或大额采购，在做决定前先问我们。
A good fit if you如果您符合以下情况
- Have a bookkeeper or accountant, but no one helping you look ahead有记账员或会计，但没有人帮您规划未来
- Feel profitable on paper but often short of cash账面盈利，却经常现金紧张
- Are planning to grow, raise finance or open a new site计划扩张、融资或开设新门店
- May sell in the next few years and want clean numbers first未来几年可能出售企业，希望先把账目理清
See what CFO Advisory would change看看CFO顾问能带来什么改变
Start with a free Snapshot of your last two years.先从您近两年数据的免费快照开始。