CFV Advisory - Wealth and Financial Planning

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CFV Advisory - Wealth and Financial Planning

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02/11/2026

How do you raise capable children in a wealthy family without creating entitlement?

For many parents building significant wealth, one of the biggest concerns isn't whether their children will inherit money. It's whether they'll understand the responsibility that comes with it.

We want our children to have opportunities, financial security and a better future. But we also want them to develop independence, resilience and an appreciation for what they have.

That means teaching them about money early, involving them in age-appropriate financial conversations and helping them understand the effort, decisions and values behind the family's wealth.

Generational wealth should be about more than what we leave behind financially. It should also be about the values and capabilities we pass on.

What financial lesson do you most want your children to carry into adulthood?

02/11/2026

Meet the people behind your plan 💛

Leading the team is Victor Idoko, Principal Financial Planner and Director of CFV Advisory. He holds the CFA®, CFP® and SSA® designations and has spent over a decade helping families and business owners build wealth with purpose.

Behind him is the team who make it all happen: Nikka, Ladz, Cha, James, Kaye, Eneyi and Harlene. 🙌

Together, we help people live the life they want to live.

Say hi in the comments 👇

30/10/2026

What's the first step in business succession planning?

If you own a business with partners, one important starting point is understanding whether you have the right legal agreements in place.

A shareholders agreement, also known as a partner agreement, helps establish how the business will operate, what each partner expects and what happens when circumstances change.

For example, what happens if one partner wants to leave, pursue another business opportunity or move in a different direction?

Without clear arrangements, situations like these can lead to misunderstandings and costly disputes.

Speaking with a commercial lawyer about a shareholders agreement can help you establish these expectations before problems arise.

Remember, succession planning doesn't have to wait until retirement is approaching. Protecting the future of your business starts with decisions you make today.

Do you know what would happen to your business if one of your partners decided to leave tomorrow?

29/10/2026

Did you know? 💡

Our Principal Financial Planner, Victor Idoko, is a CFA®, CFP® and SSA® — three internationally respected qualifications in investment, financial planning and self-managed super.

In plain English? It means the advice you get covers the whole picture — your mortgage, tax, super and investments — with real investment expertise behind it. 💼

When it comes to your family's future, it's worth having someone qualified in your corner.

📅 Book a free 30-minute chat with our team — link in the comments!

28/10/2026

Should you pass your business on to your children or sell it?

For many Australian business owners, this decision is about much more than the financial outcome. It involves family relationships, personal values and the legacy you've spent years building.

Keeping the business in the family may allow the next generation to continue what you've created. But do they want to take over? Are they ready to lead? And how will you make the transition fair for everyone involved?

Selling to an outside buyer may help fund your retirement and give you more financial flexibility. However, the timing, business value and tax implications all need careful consideration.

There is no one-size-fits-all answer.

The best approach is to understand your options, consider the needs of your family and start planning early enough to make an informed decision.

Your business may be part of your legacy, but your family's future matters just as much.

If you had to choose today, would you prefer to pass your business on or sell it?

26/10/2026

Would you pass your business on to your children — or sell it?

For business owners, this can be one of the most personal financial decisions they'll ever make.

Keeping the business in the family may preserve a legacy built over many years. But family succession needs careful thought. Your children may have different interests, ambitions and abilities, and the decision can affect the whole family.

Selling the business, on the other hand, may give you the financial freedom to enjoy retirement and pursue other goals. Yet it can be difficult to walk away from something you've worked so hard to build.

There is no single right answer. What matters is understanding your options, the financial implications and what you want life after the business to look like.

Legacy matters. Your family's future matters. And so does your financial security.

If you owned a family business, which would you lean towards: succession or sale?

23/10/2026

💼 How strong is your business financially?

As a business owner, understanding your numbers is essential—not just for running your business, but also if you ever plan to sell it.

In Episode 19, we explore two important aspects of business financial health:

📊 EBITDA: Helps investors assess a business's operating performance.

📑 The Balance Sheet: Shows your assets, liabilities, and net assets, giving you a clearer picture of your financial position.

📈 Ideally, you want to see your net assets grow over time.

The question is: are you tracking the numbers that matter?

🎥 Watch Episode 19, How Strong Is Your Business?, and take a closer look at what your financials are telling you.

💬 Let's talk: When was the last time you reviewed your business's balance sheet?

22/10/2026

🌟 Introducing: Landing Your Retirement — One-Month Course

Our recent Landing Your Retirement seminar was a success, and we're excited to share the next opportunity for people preparing for retirement!

Retirement is a major life transition, and having time to think through your plans and the financial decisions ahead can help you approach this next chapter with greater clarity.

📚 A one-month retirement course from CFV Advisory

Know someone approaching retirement? Share this with them!

👉 Explore the course and registration details here:
https://www.eventbrite.com.au/e/landing-your-retirement-the-course-tickets-2002691712824?aff=oddtdtcreator

21/10/2026

Selling your business is one milestone. Making that money last is another.

After years of hard work, your business sale could represent a significant part of your family's wealth. But what happens next matters just as much as the sale itself.

Before making big decisions with the proceeds, consider four important areas:

💰 Tax: How much will you actually keep after tax?

🏡 Lifestyle: How much will your family need for everyday living, major purchases and future plans?

📈 Investment: How should the proceeds be managed to support your financial goals?

🌱 Legacy: What do you want your wealth to mean for your family and the next generation?

Having a framework for these decisions can help you avoid rushed choices and give your money a clearer purpose.

Your business may have taken years to build. The plan for what comes next deserves the same care.

If you received the proceeds from a business sale tomorrow, what would be your biggest priority?

19/10/2026

Selling your business is a major milestone. But what happens after settlement?

For many business owners, years of wealth have been tied up in the business. Once the sale is complete, the challenge changes: turning those proceeds into a reliable source of income for the family.

Before making big financial decisions, it's worth considering:

💰 How much income will your family need each year?

📈 How should the proceeds be invested to support your goals?

🧾 What tax obligations could arise from the sale?

🏡 How will the money support your retirement, lifestyle and family plans?

In Australia, the tax treatment of a business sale can depend on the business structure, the assets sold and whether relevant concessions apply. Getting the right advice before and after settlement can help you understand your options.

The sale is not the end of your wealth journey. It's the start of a new one.

If you sold your business tomorrow, would you know how to turn the proceeds into long-term family income?

Address

Level 45/680 George Street
Sydney, NSW
2000

Website

http://cfvservices.com.au/

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