Cruz and Co

We know tax. Let us look after yours.

  • Home
  • About
    • Meet the Team
    • Our Clients
    • Testimonials
  • Services
    • Tax Consultant and Compliance Services
    • Small Business and Sole Trader Accountant
    • Outsourced Accounting Solutions
    • Business Structure
    • Outsourced CFO
    • Working Visa Refunds
  • Resources
    • Tax Refund Process
    • Client Assistant Schedule forms
    • Downloadables
    • Helpful Links
    • Rental Property Cashflow calculator
    • SMSF Tax Refund Process
  • Contact Us
  • Blog

Connect with us

  • Facebook
  • LinkedIn
You are here: Home / Archives for business planning

Do I Really Need a Business Plan?

14/11/2016

By: Fiona Adler

Since most business plans are useless, many businesses don’t do them anymore. Fiona Adler shows how to create a really useful, one-page business plan that will actually help…

Read more

Why Developing Risk Awareness Within Your Small to Medium Business Is an Absolute Must

09/11/2016

By: Peter Khalil

Businesses must navigate a multitude of risks daily. While large companies tend to have dedicated “risk management” departments, which monitor threats to profitability, among SMBs, risk management often begins and ends with…

Read more

Should My Startup Go Public? The Pros and Cons of Listing

08/11/2016

By: Dinushi Dias

Becoming a public company can be a major achievement for a startup and while it’s not for everyone, founders with their eyes set on this path should start…

Read more

All of the World’s Best Small Business Advice – in One Handy Location

07/11/2016

By: Amanda Westphal

Over the years I’ve received a LOT of great business advice. And, after compiling it all into this one post for your reading pleasure, I realised all that…

Read more

Borrow for Business, Pay Cash for Private

05/11/2016

By: Max Newnham

Success in business is all about finding a hundred 1 per cent savings and improvements, rather than looking for the one solution that delivers a Tattslotto-like 100 per…

Read more

Late Payments Impacting 3 in 4 Small Businesses

04/11/2016

By: James Harkness 

New research by MYOB highlighting the financial and emotional toll late customer payments are having on SME owners has prompted the cloud accounting provider to renew calls…

Read more

Steps SMEs Should Take to Secure Export Success

03/11/2016

By: Andrew Watson

Small businesses often have specific financing needs and may require funding support to compete in international markets or to fulfil export-related supply chain contracts.

For businesses trying…

Read more

How to Get an Australian Business Number (Abn)

02/11/2016

By: Steve Burnham

It’s not mandatory for a business to have an Australian business number (ABN), but there are a few good reasons why you should. Foremost among them will be…

Read more

Working Capital: the Hidden Risk That Your Small to Medium Business Must Prioritise

01/11/2016

By: Matt Goss

Visibility into working capital is essential to manage cash flow and ensure a business can remain sustainable, yet research shows that companies frequently miss quarterly working capital…

Read more

7 Money-saving Hacks Even My Accountant Was Impressed With

28/10/2016

By: Fred Schebesta

The financial side of running a business is one many soloists put their heads in the sand about. Here are seven ways you can be more savvy…

Read more
  • « Previous Page
  • 1
  • …
  • 9
  • 10
  • 11
  • 12
  • 13
  • …
  • 18
  • Next Page »

Testimonials

  • Napoleon Guines

    Director, Travel Company Operations

    Ritchie Cruz and Co are accommodating and have excellent service.

    Cruz & Co have impressed me the most is due to their efficient service.  They are…

    Read full testimonial
  • Regina Wang

    Business Tax – Beauty Salon 

    Ritchie has been managing my tax matters as a sole trader for 2 years+. Always very responsive to my questions and make effort to reply…

    Read full testimonial
  • Dr Krish Perananthan

    Cosmetic and Implant Dentistry

    Ritchie was recommended to me by my father and I have also continued to recommend him to my friends. He is reliable, efficient and has a…

    Read full testimonial
  • Jonathan Fambart

    Business Tax – Travel Industry

    Cruz & Co was introduced to me this year and it was the best decision for my sole trader and personal taxation affairs. Ritchie the…

    Read full testimonial
  • Jae Kwon Yoo

    Business Tax – Electrical Contractors

    Ritchie is awesome. He is very professional and responsive and he is always there to help you. He even replies during weekend. He needs some…

    Read full testimonial
  • Kellie Pincham

    Director
    Automotive Parts Retailing business

    Cruz & Co offer a great professional and friendly service. Ritchie gave me confidence running the business knowing that he was readily available for…

    Read full testimonial
  • Zac Fryer

    Director, Import and Distribution Company

    Ritchie Cruz provides and high level of accounting expertise and goes above and beyond in answering any queries we have.

    Read full testimonial
  • Daniel Robey

    I have and continue to recommend Cruz and Co to many businesses and individuals who are looking for a business advisor and accountant that goes over and above…

    Read full testimonial
  • Vanita Aloda

    Restaurant Owner

    Ritchie Cruz is my Accountant. We have a solid 10 year relationship.

    Ritchie as always provide me with honest and efficient service.

    Is a great communicator, always replies efficiently to…

    Read full testimonial
  • Jonathan Yeoman

    Director, Technical Design Company

    This is a new business startup and Cruz&Co. have provided great help, guidance and reassurance from the beginning.

    Ritchie has provided us with excellent service and…

    Read full testimonial

© 2025 Cruz & Co.

  • Home
  • About
    • Meet the Team
    • Our Clients
    • Testimonials
  • Services
    • Tax Consultant and Compliance Services
    • Small Business and Sole Trader Accountant
    • Outsourced Accounting Solutions
    • Business Structure
    • Outsourced CFO
    • Working Visa Refunds
  • Resources
    • Tax Refund Process
    • Client Assistant Schedule forms
    • Downloadables
    • Helpful Links
    • Rental Property Cashflow calculator
    • SMSF Tax Refund Process
  • Contact Us
  • Blog