Beacon Advisory

Beacon Advisory Facing a financial challenge? Reach out now to talk solutions. https://calendly.com/beaconadvisory/30min

At Beacon Advisory we deploy traditional insolvency and business advisory services in non-traditional ways through enhanced use of technology, innovation and strategy, underpinned by our delivery philosophy of creativity, collaboration and objectivity. Book in a 30 minute call to discuss which of our solutions might be the best fit for your circumstances.

A payment arrangement is not a cure-all for unmanaged tax debts. You need to consider these issues before you choose to ...
11/06/2026

A payment arrangement is not a cure-all for unmanaged tax debts. You need to consider these issues before you choose to go down the path of a payment arrangement.

Understand your rights and obligations under the law. Knowing the pros and cons of payment arrangements and what the outcome might be in the event one fails is vital.
Be aware that any payment arrangement will generally have to come from 'uncommitted cash' - funds available over and above the existing cash flow requirements of your business. Drawing back on equity (if you even can) is dangerous ground.
Always be transparent and honest with the ATO about your financial situation. Trying to downplay your financial insecurity could lead to much bigger problems later on.
Make sure that you can afford all the payments you are proposing to make under any arrangement - not just the first one or two. Plan for what you know and can reliably predict, not what you think might happen or what you ‘wish’ the future to look like. Remember, hope is not a strategy!
Be aware of the possible consequences of defaulting on a payment arrangement, which can include civil penalties and even personal liability.
A failed payment arrangement may lead a liquidator to recover an unfair preference against the ATO, which may ultimately lead to you as a director having to pay that money again.

Whilst a payment arrangement may appear attractive on first glimpse, understanding the full impact on your business may need more than just a chat with y

09/06/2026

At Beacon Advisory, we often get asked: “Is a small business restructure the best path forward?” The truth? Not always.
In this video, Tony shares three types of businesses that are not ideal candidates for a restructure:
1️⃣ Businesses with no real commercial upside to keep trading — where winding up might actually be more practical.
2️⃣ Companies where directors aren’t truly invested in the process — financially, emotionally, or even physically.
3️⃣ Businesses that simply don’t meet the eligibility criteria — large debts, unpaid entitlements, or other disqualifiers.
Restructures are a powerful tool — but only when the right people are behind the right business, for the right reasons.
💡 Have you ever seen a restructure misused — or a better alternative overlooked?
👇 Let us know your thoughts in the comments.

There are many factors that contribute to the valuation of a business. It is not a process that can be entirely entruste...
28/05/2026

There are many factors that contribute to the valuation of a business. It is not a process that can be entirely entrusted to software as the nuances involved cannot be properly captured by even the best valuation programs.

One of the most important considerations is always solvency. This is a measure of the business's ability to meet its financial obligations on an ongoing basis. An insolvent business has a very different value profile to one that is solvent and properly formed future expectations about solvency have significant impacts on valuation outcomes.
Another important factor is business risk. This is generally reflected as the timeframe in which a purchaser seeks to recover the investment made in acquiring the business. The lower the risk, the longer the recovery period (and the greater the value).

A business risk profile will be affected by factors such as the profitability and productivity of the business, the size and dynamic nature of the market, and the growth potential of the business considering competitive factors, among many others.

When all of these factors are taken into account, it is possible to estimate a business's risk profile and, where appropriate, through the application of that risk factor to predictable forward profits, a value.

However, it is important to remember that this is only an 'educated guess' - a true value will often also incorporate intrinsic factors that escape traditional valuation methods, resulting in an 'actual' or 'true' value that may be different from the calculated outcome.

At Beacon Advisory, we have the experience and expertise to help you understand all of the different aspects that can affect not only value but a transactional actual or notional sale price.

As always, please don't hesitate to reach out to us for help. We would be happy to assist you in any way we can!

26/05/2026

In today's video Beacon Advisory's Tony Lane talks about what you need to do to ensure that the value in your company and your business is preserved when going through a family law matter.

21/05/2026

Business resilience and business continuity are often used interchangeably, but they actually refer to two different concepts.

Business continuity is the ability of an organization to recover and keep functioning in the face of its day to day events. This includes having a plan in place for how to maintain critical operations in the event of an unexpected outage or disaster.

Business resilience, on the other hand, is the ability of an organisation to absorb shocks and continue operating despite them. This can involve things like having a cash reserve to tide the business over during tough times, or diversifying the business so that it is not as vulnerable to market fluctuations.

Think of this as the difference between being able to recover from one large unexpected wave, to consistently being able to weather rough and stormy seas. You may have the ability to sustain one event, but not a multitude

Ultimately, business resilience is about solvency - being able to weather those storms and emerge on the other side unscathed.

By contrast, business continuity is about keeping the ship upright - making sure that critical navigation can still be carried out after the wave has hit, and passed.

Both concepts are important for businesses, but they describe different outcomes.

If you are looking for help becoming more resilient, speak to us at Beacon Advisory. We can work with you to create a plan that will help your business survive any storm.

19/05/2026

Inflation is still hot topic in the news .....but what does it mean for your business?
..And how ready are you for dealing with the unknown?
Lane raises important questions like these in today's video

Businesses don’t last because they endure hardship.They last because they remain relevant — to customers, staff, and cap...
07/05/2026

Businesses don’t last because they endure hardship.
They last because they remain relevant — to customers, staff, and capital.

Longevity is an outcome of adaptation, not loyalty to the past.

Advisors who help clients let go early often help them last longer.

Insolvency is not often a momentary happening.It’s a process — often ignored because nothing “dramatic” has happened yet...
30/04/2026

Insolvency is not often a momentary happening.
It’s a process — often ignored because nothing “dramatic” has happened yet.

Stretching creditors.
Borrowing time.
Relying on goodwill to maintain relationships amid eroding trust.

These aren’t solutions — they’re signals.

Advisors who recognise erosion early, protect options and outcomes.
Those who wait protect narratives and excuses.

28/04/2026

You’re 25 times more likely to become a creditor in a company winding up than to need insolvency support for your own business.
Yet most insolvency processes ignore what truly matters — the people. They focus on the numbers. The assets. The recoveries.
But what about you?
At Beacon Advisory, we’ve built one of Australia’s only trauma-informed insolvency practices — because financial loss often brings emotional strain. And we believe in walking with you through that.
Whether you're a creditor, director, or business owner…
We’re here to make sure your tomorrow looks brighter than today.

Long hours are often praised as commitment.However, in distressed businesses, being busy is frequently a disguise for la...
23/04/2026

Long hours are often praised as commitment.
However, in distressed businesses, being busy is frequently a disguise for larger problems:
– Avoiding uncomfortable decisions
– Delaying hard conversations
– Substituting effort for clarity
Engagement isn’t time spent.

It’s quality of attention.
Advisors who help clients slow down thinking often speed up outcomes.

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Canberra, ACT
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