Profit is important — but cash flow is what keeps your business running day to day. If you’re finding it hard to manage cash flow, you’re not alone. Many businesses experience this, even when they’re technically profitable. It’s possible to have a healthy bottom line and still struggle to pay
You might already know the basics—but do you fully understand what your Profit & Loss Statement and Balance Sheet are really telling you? Even for experienced business owners, these reports can raise questions. That’s why we’re here—not just to explain the difference, but to help you interpret what they mean for your business’s performance
Artificial Intelligence (AI) tools like ChatGPT, Copilot, and other generative systems are becoming increasingly common in workplaces — and they’re changing how we get things done. But to truly get value from them, it all comes down to how you interact with them and the quality of your prompts. Whether
New rules are making card payments cheaper for businesses and customers. Discover what this means for your bottom line. If your business regularly accepts Visa or Mastercard payments, there’s good news. The Commerce Commission has stepped in to reduce the cost of interchange fees—the hidden charges that come with every
Budget 2025 introduced the Investment Boost scheme — a targeted tax incentive to support business reinvestment and growth. But what does it actually mean for your business? As part of Budget 2025, the Government introduced a new initiative called Investment Boost — a tax incentive designed to make it easier
Your business isn’t just your livelihood—it’s potentially your most valuable retirement asset. Whether you’re planning to retire in a few years or just starting to think about your future, now is the time to ensure your business is structured to deliver the return you’ll need. You may love running your
The Ministry of Education has announced significant updates to the Pay Parity Opt-In Scheme, which will impact all education and care providers, including hospital-based providers. Providers must make their election by Monday, 9 June 2025. After this date, a two-year moratorium will apply, preventing providers from moving to a higher salary scale until July
Want to become a smarter, more effective leader? Business coaching is your secret weapon. It helps you review, analyse, and enhance your business strategy while offering a highly personalised mentoring programme to support your growth as a leader. It can be lonely at the top when you’re running your own
While the headlines focus on politics and policy, at Pathfinder we’re focused on what this means for you: your business, your wealth, and your future. We cut through the noise and give you what you actually need: real-world implications and strategic takeaways. What’s the real story? New Zealand is coming
Learn the essential steps to track your income and expenses, forecast future financial needs, and set achievable goals. This guide will empower you to make informed decisions and maintain control over your finances. A budget shows what you plan to do with your cash over the next year. To fully
