The business is making money. So where is it all going? We fix the leaks on both sides — business and personal — with our Cashflow Plumbing framework.
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.
We don’t just give advice; we install a watertight system. We use our exclusive framework called ‘Cashflow Plumbing’. It is 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.
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.
Straight answers. No runaround.
Both — and that's the whole point. Most cashflow problems aren't just a business issue. The way money moves between your business account and your personal life is usually where the real leaks are. We look at both sides together, because fixing one without the other leaves half the problem in place.
Because income and cashflow are not the same thing. Most of the time the issue is that money isn't being allocated properly when it hits your account — it all sits in one place and gets spent before tax, profit, and your own wage are set aside. It's a plumbing problem, not an income problem. Once we install the right system, the same money you're earning now will start working completely differently.
It's our exclusive system for connecting your business income to your personal wealth without the leaks. Think of it like sorting your plumbing properly — we find where the money is draining away unnoticed, set up separate "buckets" for tax, profit, and operating costs, and install a Salary Firewall so you get paid a fixed wage on a set day every week. Once it's set up, money flows where it's supposed to automatically.
Yes — and this is one of the most common problems we solve. The Tank System we set up means a percentage of every dollar that comes in is automatically set aside for tax before you ever touch it. By the time your BAS or tax bill arrives, the money is already sitting there waiting. No more scrambling, no more surprise bills.
If your personal finances are the main problem — debt, no savings, unpredictable household budget — start with the Personal Cashflow Optimiser ($1,200). If the business cashflow is the issue — lumpy income, no clear profit picture, paying yourself last — go with the Business Cashflow Booster ($2,200). If both are a mess and you want a complete overhaul of how money flows through your life and business, the Integrated Cashflow Mastery ($2,800) covers everything and gives you six months of follow-up access.
Not necessarily. We work with Xero and QuickBooks and can help you set up either if you're not already using one. The banking and bucketing system we install works alongside whatever accounting software you have. We keep the admin side as simple as possible — the goal is a 15-minute weekly check-in, not more hours staring at spreadsheets.
Absolutely — in fact, irregular income is exactly what this system is designed for. The bucket structure smooths out the lumps so your household runs on a predictable weekly wage even when business income is uneven. The famine months don't hurt as much because the feast months were captured properly. That's the whole point of building a system instead of just hoping each month works out.
“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.”