Fixing Cashflow Leaks.

Turn your business into a wealth machine, not a leaky bucket.

Current challenges

You’re working hard and the turnover looks good on paper, but you still feel broke at the end of the month. For most tradies and business owners, the issue isn’t usually earning the money—it’s keeping it. You might be treating your business account like an ATM, mixing personal spending with business costs, or panicking when a tax bill hits because the cash just isn’t there. It’s chaos. And just like a house with bad plumbing, if you pump more pressure (revenue) into a broken system, you just end up with a bigger mess.

our approach

We don’t just give advice; we install a watertight system. ‘Cashflow Plumbing’ is an exclusive framework developed by Comma Advisory for connecting your business engine to your personal wealth—without the leaks. We act as the “Financial Plumber.” We come in, find where the waste is dripping away, and install a system that separates your business cash from your personal life. The goal is simple: ensure the business pays you a proper, steady wage every single week, while automatically storing cash for tax and profit.

What You Actually Get

Leak Detection Audit

We look at both your business and personal spending to find the “drips”—the waste, unused subscriptions, and inefficiencies that are draining your tank unnoticed.

The Mains Connection

We stop the random “dipping” into business funds. We set up a “Salary Firewall” that ensures you get paid a fixed wage on a set day, just like an employee.

The Tank System

We organize your banking “pipes” so that tax, profit, and operating costs are sorted automatically the moment money hits your account. No more guessing what is yours to spend.

Pressure Testing

We help you clear personal debt blockages that are stopping you from getting ahead, and show you how to fund “wants” without draining your savings.

The Maintenance Schedule

We teach you a simple 15-minute weekly ritual to check the gauges and keep the flow moving, so you never have to be afraid of your bank balance again.

Who This Is For

Fees & inclusions

Cashflow Plumbing: The Profit Pipeline

Securing Your Cashflow While You Grow the Business

When you’ve worked hard all year just to scrape by, and then your accountant hands you a huge ATO tax bill, do you ever wonder: “Where is the actual profit?” We know exactly how that feels. We aim to help you find and fix the hidden leaks across your personal and business accounts. We don’t just patch the holes; we help you build a resilient financial system that builds wealth, not debt.

Personal Cashflow Optimiser

$1200 +GST
  • Personal cashflow audit: 1-Page Leak Report identifying your top 5 personal spending drains.
  • 5-Account Personal Setup: Wages, Tax, Bills, Fun, and Emergency buckets.
  • Debt-Exit Timeline: A clear date for when you'll be debt-free.
  • Leak Detection and Maintenance Schedule workbook + video guides for 15-min weekly rituals.
  • 1x 60-min Zoom call for personalization.
  • Bonus: Free digital Cashflow Health Check template.

Business Cashflow Booster

$2200 +GST
  • Business cashflow Audit: Identify where the business is overspending.
  • Profit allocation integration: Bucketing for auto-allocations (profit, tax, ops) on income receipt.
  • Mains Connection: Set up Salary Firewall for consistent weekly owner wages from business funds.
  • Xero/QuickBooks basics: Chart of accounts setup + quick training.
  • 2x 60-min Zoom calls for implementation.
  • Bonus: 3-month transaction review spreadsheet.
Best Value

Integrated Cashflow Mastery

$2800 +GST
  • Combined personal + business audit: Holistic leak detection across both (e.g., how business spending affects personal taxes).
  • Integrated framework: Custom bucketing + profit allocation blending personal wages with business reserves.
  • Advanced Pressure Testing: Scenario planning for economic dips, revenue forecasting, and long-term waste elimination toolkit.
  • Custom Maintenance Schedule: Tailored monthly rituals with accountability (4x 30-min check-in calls over 4 months).
  • 3x 60-min Zoom calls + priority email/Slack support.
  • Bonus: 6-month advisory access (quarterly reviews) + referral discount for future services.

“Comma Advisory's Cashflow Plumbing service focuses on operational cashflow management, budgeting frameworks, and software configuration. Taxation and licensed financial advice is provided by registered professionals.”