Stewart and Smith Advisory Your Complete Financial Partner

Bringing Big 4 Chartered Accountancy and extensive Executive level commercial expertise to the SME market

We are business advisors, strategists, accountants and tax experts focused on clients and their success, above all else.

S&S is passionate about supporting our clients and their success. We have a culture of care - for our team, for clients, and the community.

S&S has been built from the ground up to use the latest technology, from service delivery through to back office, so that we can be efficient and effective. This ensures we have more time to focus on our clients.

Learn More About Us

How can a Virtual CFO help grow your business?

Our commercially experienced CFOs have years of experience as Finance Directors and CFOs in businesses. They understand how to work with Managing Directors, CEOs and Boards.

Our advice and guidance will provide you with invaluable strategic insights that will help you to grow your business profitably. It will make managing your business less of a headache.

Learn more about our Virtual CFO service

Why Stewart & Smith?

“Real commercial experience with a focus on our clients success”

Stewart & Smith (S&S) is focussed on providing exceptional advisory services for start-ups, entrepreneurs, business owners, Boards and CEO’s.

Broad Thinking

Our exposure to a wide range of SME businesses across numerous sectors enables us to think broadly about possible opportunities, unconstrained by the ‘conventional wisdom’ of a particular client or industry.

Business Lifecycle

We provide advisory services to suit the particular life cycle challenges of our clients. This ranges from initial strategy and business planning, to development of growth strategies for businesses wanting to scale and financial advisory for mature businesses looking to maintain or add value such as profitability reviews and due diligence.

Strategic Financial Skill

We can also add a strategic financial skill to your existing finance team by providing a highly qualified Virtual CFO to support the CEO and Board to provide insight and analysis.

Core Layer of Services

We provide a core layer of services for those clients who want to outsource their accounting and compliance. This provides the assurance that the data that our clients are using to make business decisions is timely and correct.

Bespoke Services

We provide bespoke services for each client using the latest digital technology platforms to ensure flawless execution and insights. Focussing on our customers’ unique needs and requirements we design a service road map for each client.

Highly Experienced

We are highly experienced in industry and Chartered Accounting and aspire to create long term partnerships with clients.

Our Services

At S&S we provide advice that is tailored, proactive, insightful and relevant combined with a structured and disciplined approach.

We establish annual service plans tailored for the specific needs of each client that focus on desired outcomes and result. We meet with clients regularly to ensure they remain on track.

Latest Insights

  • Financial Advisory
  • Taxation

May

13

2026

Budget 2026: The Wealth Planning Reset That Changes Everything for Australian HNW Families

When Treasurer Chalmers called it “the most ambitious Budget in 26 years,” he wasn’t exaggerating. For high net worth individuals and Family Offices, these reforms represent the biggest structural shift in wealth planning since t...

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  • Strategic Advisory

May

13

2026

The $50M Succession Mistake: Why Most Australian Family Businesses Fail at Handover

When 70% of family businesses fail to survive to the second generation, succession isn’t just about estate planning – it’s about building the systems and governance that enable sustainable leadership transition. By Kim Stewart-Sm...

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  • Virtual CFO

May

13

2026

The $2,500 Monthly Drain: Why Australian Businesses Are Bleeding Cash and How to Stop It

When 80% of SMBs experience cash flow challenges and one in six loses over $2,500 monthly to late payments, cash flow management isn’t just good practice – it’s business survival. The numbers are stark. Nearly 80% of Australian S...

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Ready to Chat?

  Buildings 5&6
1110 Middle Head Road
Mosman NSW 2088


 +61 2 7226 1226
  info@stewartsmithadvisory.com