Roberts and Cowling

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  • Welcome to the Roberts & Cowling website!
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    Call the office to arrange a tax plan for 2012 now.
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Budget Summary - Individual Focus
As promised, Roberts & Cowling have prepared a budget summary for the overall budget aside from yesterday’s summary on its impact on small business. Ultimately, the budget doesn’t affect individuals significantly unless they have dependants of school age. 
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Budget Summary - Business Impact
The budget has been handed down again for another year. As promised by the Government and Mr. Swan it is forecasted that the budget for 2012 / 13 will be a small surplus in contrast to the anticipated deficit of $44 billion for the 2011-12 year.
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6WBC - Week 4
Welcome to Week 4. As noted previously, due to the public holidays we have decided to give everyone some extra time to catch up on their homework. From next week we’ll be calling all our registered participants to arrange your free appointment in Week 6.
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Improvement Goals
Here is your homework for Week 3! Follow these steps for Week 3 and return your completed document to  This e-mail address is being protected from spam bots, you need JavaScript enabled to view it  by Friday 20 April 2012.
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6WBC - Week 3
Welcome to Week 3! This week we will be focussing on setting improvement goals. These will be individual measures that are both financial and non-financial.
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Key Financial Ratios & What They Mean To You
This week we have brought to your attention some of the Key Financial Ratios of your business. Financial ratios are measures that can be benchmarked or compared to averages that tell you something about the health of your business.
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6WBC - Week 2

Welcome to Week 2 of the 6 Week Business Challenge. This week we are talking about Key Performance Indicators.  At the bottom of this page you will find the 6 Week Business Challenge- KPI Template. 

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No Vision, No Direction
One of the most critical tasks in creating a business plan is the creation of the vision statement. A vision statement articulates the strategic direction of the business and communicates leadership imperatives. 
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6WBC - Week 1
Welcome to Week 1! R&C have created a 6 Week Business Challenge that will focus on improving your business and lifestyle. The focus of Week 1 will be: Goals, Vision & Defining What You Do
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6 Week Business Challenge!
R&C is pleased to announce our newest initiative aimed at improving the business and lifestyle of our clients.
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Do What You Have Always Done?
Looking back on your last 9 months- was your growth exceptional? Was cashflow always strong? Was your work/life balance in your life’s favour? Did your customers rave about you?
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Profit has increased and yet cash flow is tighter than ever?

Analysing costs and collection cycles potentially explain this issue.

One of the major effects of strong growth is a tightening in cash flow. This can be explained simply by the fact that many costs grow immediately and need to be paid before the income is receipted from your product or service.

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Two Speed Economy Wreaking Havoc on SMEs
If ever there was proof that the Australian economy is deeply entrenched in a two-speed situation it would be the latest data coming from Dun & Bradstreet (D&B). 
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The Do's and Don'ts of Debtor Management

One of the major issues with business today is not getting the work but rather being paid for it. 

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Greens Propose Super Tax Reform
The Australian Greens have proposed reform for the superannuation system in an attempt to level the super playing field between low and high income earners. 
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ATO Targeting Contractors
As part of a crackdown on contracting arrangements, the Australian Tax Office is reportedly contacting contractors it believes have wrongly assessed themselves as conducting personal business services. 
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Expect Faster GST Refunds
Small business can now expect faster GST refunds as a result of changes to ATO practices
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Newsletter Catalogue

March 2010- Issue Eight

June 2009- Issue Seven 

March 2009- Issue Six 

December 2008- Issue Five 

September 2008- Issue Four

June 2008- Issue Three 

March 2008 - Issue Two

December 2007 - Issue One