The Queen Bee CFO
Virtual CFO Support & Project Management
Big-picture financial clarity, with someone in your corner.
Your business is growing, but the numbers are starting to feel louder.
There are more decisions to make.
More moving parts to manage.
More obligations to stay across.
More pressure on your cash flow, your systems, your time and your confidence.
That is where The Queen Bee CFO comes in.
This service gives your business access to CFO-level financial support without needing to hire a full-time Chief Financial Officer. Sarah works beside you to help you understand what your numbers are really saying, what needs attention, and what decisions make sense for the business you are building.
Not a cold CFO.
Not a once-a-year accountant.
Not another report you have to decode on your own.
Just clear, practical financial guidance from someone who can help bring the bigger picture into focus.
Virtual CFO Support
Good fit for: growing businesses, founders, directors and leaders who want ongoing financial clarity.
Strategic finance support for business owners who need regular guidance, reporting, cash flow oversight and decision support without hiring a full-time CFO.
This can include financial reviews, management reporting, budget and forecast conversations, performance check-ins and practical support around upcoming business decisions.
CFO Health Check
Good fit for: business owners who know something needs reviewing but are not sure where to start.
A focused review of your current financial position, systems, reports and business concerns.
Sarah reviews what is working, what feels unclear, what may need attention and what your next best steps could be.
Project Management Support
Good fit for: businesses that have a project to complete but need structure, accountability and someone who can connect the financial, operational and people pieces.
Finance-led project support for businesses going through change, implementation, growth or system improvement.
This may include helping plan, coordinate and oversee finance-related projects such as reporting improvements, system transitions, payroll process changes, budget projects, operational improvements or internal finance workflows.
Budget Planning
Good fit for: business owners who want to stop guessing and start planning.
Support to create or review a business budget so you can plan income, expenses, wages, tax, growth costs and future commitments more clearly.
A budget gives your business a financial plan, not just a bank balance.
Profitability Review
Good fit for: businesses that are busy but still wondering where the money is going.
A practical review of whether your business is actually making enough profit once expenses, wages, tax, owner time, subscriptions, materials and other costs are considered.
This helps you understand what is working, what is draining profit and where changes may be needed.
Business Performance Review
Good fit for: business owners who want to stop guessing and start planning.
Support to create or review a business budget so you can plan income, expenses, wages, tax, growth costs and future commitments more clearly.
A budget gives your business a financial plan, not just a bank balance.
Strategic Planning Support
Good fit for: owners and leaders making bigger decisions who want practical financial guidance before moving forward.
Finance-informed planning for business growth, direction, priorities, investment, hiring, expansion, systems or operational change.
This helps you connect your business goals to the numbers needed to support them.
Risk & Opportunity Review
Good fit for: business owners who want to be proactive instead of waiting for problems to become urgent.
A review of the financial risks, pressure points and opportunities sitting inside your business.
This may include cash flow risks, cost increases, payroll pressure, reporting gaps, weak controls, pricing concerns, growth opportunities or systems that are no longer supporting the business properly.
What is a Virtual CFO?
A Virtual CFO gives your business access to senior finance guidance on a flexible basis.
Instead of only looking at your numbers when tax time, BAS or a problem rolls around, Virtual CFO support helps you look forward.
It helps you understand what is happening in your business financially, what may be coming next, and what needs to change before small issues become expensive problems.
The Queen Bee CFO can help you get clearer on:
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where your money is going
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whether your business is actually profitable
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what your cash flow is likely to look like
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whether your pricing, wages, expenses or systems need reviewing
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what risks or opportunities may be sitting under the surface
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whether a major business decision is financially workable
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what your reports are actually telling you
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how to plan, prioritise and move forward with more confidence
This is not just about producing reports.
It is about turning the numbers into decisions.
Because you should not have to run your business on instinct, panic or guesswork.
What makes the Queen Bee CFO different?
Finance with Heart
The Queen Bee CFO is designed for business owners who want expertise without being made to feel small.
Sarah brings CFO-level experience across budgeting, cash flow, reporting, governance, systems, risk, compliance and project leadership, but she brings it with a human approach.
That means no judgement.
No corporate coldness.
No making you feel silly for asking questions.
No handing you a spreadsheet and disappearing.
Sarah helps you connect the numbers, the systems, the people and the practical reality of running a business.
The goal is not to overwhelm you with more information.
The goal is to help you see what matters, understand what it means, and know what to do next.
Finance with heart, but still with the discipline, structure and clarity your business needs.
Who is The Queen Bee CFO for?
The Queen Bee CFO is for business owners, founders, directors, growing SMEs and not-for-profit leaders who need more than basic bookkeeping or once-a-year accounting.
It may be right for you if:
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your business is growing and the financial side feels more complex
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you are making bigger decisions and want more clarity before you commit
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your reports exist, but you do not really know what they mean
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your business is busy, but you are not sure whether it is profitable
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cash flow feels unpredictable
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you are considering hiring, expanding, investing or changing systems
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you need support with budgeting, forecasting or planning
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you have a finance-related project that needs structure and oversight
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you want a trusted finance person in your corner
You do not need to have everything organised before reaching out.
That is often the point.
Sarah can help you work out what needs attention first.
Virtual CFO support for Camden, Macarthur and Western Sydney businesses
SM Consulting Group is based in Spring Farm and supports business owners across Camden, Narellan, Gregory Hills, Campbelltown, Macarthur, Western Sydney and beyond.
This local understanding matters.
Sarah works with business owners who are not just managing numbers on a screen. They are managing staff, clients, families, community commitments, cash flow pressure, growth decisions and the everyday reality of running a business.
The Queen Bee CFO brings together professional financial leadership and a grounded, human approach that makes the work feel less intimidating and more useful.
What you may walk away with
Depending on the support you need, The Queen Bee CFO may help you create:
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a clearer cash flow picture
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a practical business budget
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a better understanding of your profit and margins
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a simple set of numbers to watch each month
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a clearer view of financial risks and opportunities
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stronger management reporting
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a project plan for a finance, payroll, reporting or systems improvement
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better financial foundations for growth
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a plain-English action plan for your next steps
Because the goal is not just to look at the numbers.
The goal is to know what to do with them.
What The Queen Bee CFO can look like
Every business is different, so The Queen Bee CFO is designed to be flexible.
For some clients, it may look like ongoing Virtual CFO support.
For others, it may be a one-off CFO health check, budget planning session, profitability review, business performance review or project management support.
The service can be shaped around where your business is now, what feels unclear, and what decisions are coming next.
The goal is always the same:
to help you understand the bigger picture, make clearer decisions and build a business with stronger financial foundations.
Ready to feel clearer about the bigger picture?
You do not need to have all the answers before reaching out.
You just need to know that your business deserves more clarity than guesswork, more structure than panic and more support than trying to work it all out alone.
Book a discovery call with Sarah and let’s work out what kind of CFO support your business actually needs.
Enquire about The Queen Bee CFO
Common FAQs
What does a Virtual CFO actually do?
A Virtual CFO provides strategic finance support for your business.
This can include cash flow forecasting, budgeting, management reporting, profitability reviews, financial planning, project support and decision guidance.
A bookkeeper helps keep your records organised. An accountant may help with tax and compliance. A Virtual CFO helps you understand what the numbers mean for the future of your business.
How is a Virtual CFO different from an accountant?
An accountant often focuses on tax, compliance and historical financial reporting.
A Virtual CFO is more forward-looking. They help you understand business performance, cash flow, profitability, budgeting, risks, opportunities and the financial impact of decisions you are considering. You may still need both.
The accountant helps with what needs to be lodged, reported or finalised.
The Virtual CFO helps you understand what needs to happen next.
How is a Virtual CFO different from a bookkeeper?
A bookkeeper records and organises the day-to-day financial activity in your business.
A Virtual CFO uses financial information to help guide business decisions. They look at the bigger picture: cash flow, profit, pricing, budgets, reporting, risk and growth.
Strong bookkeeping makes Virtual CFO support more effective because the advice is only as good as the numbers behind it.
When should a small business consider Virtual CFO support?
You may need Virtual CFO support when your business has grown beyond simple bookkeeping, or when you are making bigger decisions and need more clarity.
Common signs include:
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you are making money but not seeing profit
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cash flow feels unpredictable
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you are considering hiring or expanding
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you do not fully understand your reports
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your business decisions are starting to feel riskier
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your accountant helps at tax time, but you need more regular guidance
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you want someone to help you look forward, not just backwards
Do I need clean books before working with a Virtual CFO?
Clean books help, but they are not always the starting point.
If your records are messy, Sarah may recommend a bookkeeping clean-up, Xero tidy-up or financial health check first. The goal is to build a clearer foundation so future advice is based on reliable information.
You do not need to feel embarrassed if things are behind.
Sarah can help you work out what needs to happen first.
Do I need clean books before working with a Virtual CFO?
Yes.
Virtual CFO support can work alongside your existing bookkeeper, accountant, tax agent or internal team. Sarah’s role is not to replace everyone. It is to help connect the pieces, improve visibility and support better decision-making.
Do I need clean books before working with a Virtual CFO?
The Queen Bee CFO is best suited to growing small businesses, SMEs, directors, founders, service businesses, project-based businesses and not-for-profit leaders who need stronger financial clarity.
It is especially useful when the business has more moving parts than it used to: more staff, more income, more expenses, more obligations or more decisions to make.
Is Virtual CFO support ongoing or project-based?
It can be either.
Some businesses need ongoing Virtual CFO support. Others may only need a CFO health check, a budget review, a profitability review or project management support.
The best starting point is a discovery call so Sarah can understand what is happening and recommend the right level of support.
Does Virtual CFO support include project management?
It can.
For SM Consulting Group, The Queen Bee CFO includes finance-led project management support where the project has a financial, operational, reporting, governance or systems impact.
This could include finance system improvements, payroll transitions, reporting upgrades, budget projects, operational process improvements or helping bring structure to a business change.
Do you offer Virtual CFO support in Camden, Narellan, Campbelltown or Western Sydney?
Yes.
SM Consulting Group is based in Spring Farm and supports businesses across Camden, Narellan, Gregory Hills, Campbelltown, Macarthur, Western Sydney and NSW.
Depending on the service, support may be provided in person, online or through a mix of both.
How much does Virtual CFO support cost?
The cost depends on the scope of support, the complexity of the business and whether you need ongoing guidance or a one-off project.
A smaller health check or planning session will look very different from ongoing CFO support or a larger project management engagement.
The best way to understand what you need is to book a discovery call.
Contact
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