How We Help
Business & Financial Advisory
Advice before the decision, not a report after it
Most of the value an accountant can add happens before anything is signed: how the purchase is structured, whether the lending stacks up, what the tax consequence will be, and whether the plan survives a bad twelve months.
Our advisory work is built around those conversations. You get someone who knows your numbers, understands property and will tell you honestly when an idea doesn't work — rather than a set of accounts explaining what it cost you.
Your accountant shouldn't only tell you what happened
For most business owners, the accounting relationship produces a predictable set of facts once a year:
Revenue earned.
Expenses incurred.
Tax owed.
Returns filed.
Accounts completed.
All of it accurate. All of it historical. None of it any use to the decision you're weighing up right now.
Advisory is the other half of the job — the part where someone who understands your position helps you think through what to do next, while there's still a choice to make.
Advice built around your business, not generic formulas
There is no standard answer to whether you should buy in a trust, take on another employee or refinance now. The right call depends on facts that only come out of a proper conversation. Before we advise on anything, we want to understand:
- What you're actually trying to build, and over what timeframe
- How the business or portfolio is structured today, and why
- Where the money comes from and where it's committed
- What your lending position is and how much headroom you have
- What you're prepared to risk, and what you're not
- What keeps coming back to you at two in the morning
The Adviser
Meet the accountant behind the advice
Baqir Hussain, FCCA
Director, Finex Chartered Certified Accountants
MEET THE ACCOUNTANT BEHIND THE ADVICE
Hi, I'm Baqir. Most of the advisory conversations I have start the same way: someone has a decision in front of them — another property, a new entity, a big contract, a hire they're not sure they can afford — and no one to talk it through with who understands both the numbers and what they're actually trying to build.
The value isn't in the report. It's in the conversation you have before you commit.
I qualified as a Fellow of the Association of Chartered Certified Accountants and have spent years working with property investors and business owners across New Zealand. What I've learned is that the expensive mistakes are rarely technical — they're decisions made without anyone modelling the downside first.
When you work with us on advisory, you're talking to someone who knows your structure, your lending position and your goals, and who will tell you plainly when a plan doesn't stack up. Fixed fees, no meter running, and the same people every year.
As your property portfolio grows, so does the importance of getting good advice
One rental is manageable on instinct. Three or four properties across different entities, with different loan structures and different acquisition dates, is a system — and systems behave in ways that aren't obvious from inside them.
The decisions get more expensive too. Where a property sits, how it's funded, when it's sold and which entity holds it can change your tax position by tens of thousands of dollars over a portfolio's life, and most of those choices can't be undone later.
That's the point where good advice stops being a nice-to-have. We work with investors through exactly that transition — from a couple of properties held personally to a structure that can carry a portfolio without creating problems as it grows.
Why choose Finex for advisory?
Decisions, not just reporting
We're brought in before the purchase, the restructure or the hire — the point where advice can still change the outcome.
Deep property knowledge
Structuring, bright-line, interest limitation, GST on developments and portfolio funding are our core specialism.
Honest assessment
If the numbers don't support the plan, we'll say so and show you why. You're paying for judgement, not agreement.
One relationship
The people advising you are the people preparing your accounts and tax, so nothing gets lost between advisers.
Modelled, not guessed
Scenarios are built on your actual figures, including the version where interest rates move and a property sits empty.
Chartered certified
ACCA-qualified advice with the professional standards and accountability that come with it.
Next Step
You don't have to make every financial decision alone
Tell us what you're weighing up. We'll book a conversation and give you a straight view of the options before you commit to any of them.