Small & medium-sized enterprises (SMEs)
Imagine having a committed partner by your side

We offer a wide range of tailored services specifically crafted to meet the unique needs of SME Services. Whether you’re seeking assistance in monitoring and evaluating your business performance, securing financing, restructuring debt, making strategic investments, managing your wealth, or planning for the future, we have the expertise and knowledge to support you at every step.

We get it – running an SME can be both challenging and full of opportunities

Your journey as an SME entrepreneur is full of possibilities, and we're here to help you seize them. Let us take care of the advisory and financial complexities so you can focus on what you do best – building and growing your business.

Why BMP Wealth Adviser?

We are passionate about supporting Australian small and medium-sized enterprises (SMEs) on their journey to success

SME Services Support 

We SME Services owners and Self-employed business professionals across all industries

In serving your unique financing needs

Our advisory services support Aussie businesses to secure the right funding to support their growth

Our Capabilities

We are not just your financial service provider but your growth partners. Our expert team is dedicated to understanding your unique challenges and delivering tailored solutions that drive your Australian SME business forward. Discover how our specialised financial services can empower your SME to reach new heights.

Here’s how we can help:

  1. Strategic Guidance: Our experts will work closely with you to understand your business goals and challenges. We provide strategic guidance to help you develop a clear roadmap for success. Whether you need assistance with market analysis, competitive positioning, or strategic planning, we’ll help you make informed decisions and seize growth opportunities.
  2. Financial Management: We offer a wide range of financial services to help you effectively manage your resources and optimise your financial position. From budgeting and cash flow management to financial forecasting and risk assessment, we’ll help you navigate the complexities of financial management and make sound financial decisions that support your business growth.
  3. Access to Financing: Securing funding is often a critical need for SMEs. Our expertise in financing options and relationships with lenders enables us to assist you in accessing the right financing solutions for your specific needs. Whether you’re looking for working capital, expansion funds, or investment capital, we’ll guide you through the process and help you obtain the necessary funds to fuel your growth.
  4. Debt Restructuring: If you’re facing financial challenges or are burdened with debt, we can provide expert guidance on debt restructuring. Our team will assess your financial situation, negotiate with creditors, and develop tailored strategies to help you regain financial stability. We aim to help you reduce financial stress, improve cash flow, and position your business for long-term success.
  5. Wealth Management: Managing personal and business wealth is crucial for long-term financial security. Our wealth management services encompass investment planning, tax optimisation, estate planning, and risk management. We’ll help you grow and protect your wealth, ensure tax efficiency, and plan for the future so that you can achieve your personal and business financial goals.
  6. Business Advisory Services: Our experienced business advisors are here to provide valuable insights and guidance across various areas of your business. Whether operational efficiency, human resources, marketing, or technology adoption, we offer customised advisory services to address your specific needs and drive your business forward.
  7. Networking and Collaboration: As an SME client, you’ll benefit from our extensive network of industry experts, professionals, and fellow SMEs. We facilitate networking opportunities, knowledge sharing, and collaboration, enabling you to learn from others’ experiences, explore partnerships, and stay ahead of industry trends.
  1. Financial Risks: SMEs often face financial uncertainties, including cash flow challenges, market fluctuations, and limited access to capital. These risks can impact the stability and growth of your business.
  2. Operational Risks: As an SME, you may encounter operational risks such as supply chain disruptions, technological challenges, or talent retention issues. These risks can affect your productivity and competitiveness in the market.
  3. Regulatory Risks: Compliance with regulations and legal obligations can be complex for SMEs. Failing to meet regulatory requirements can result in penalties and reputational damage.
  4. Market Risks: SMEs operate in a dynamic and competitive market. Changes in consumer preferences, emerging technologies, or new market entrants can threaten your business growth and sustainability.

SMEs, or small and medium-sized enterprises, can utilise Self-Managed Superannuation Funds (SMSFs) as a vehicle for investing. SMSFs are private superannuation funds that give individuals control over their investment decisions and retirement savings. Here’s how SMEs can utilise SMSFs for investing:

  1. Diversification: One of the advantages of an SMSF is the ability to diversify investment holdings. SMEs can use an SMSF to invest in a broad range of asset classes, such as stocks, bonds, property, and even unlisted investments. By diversifying their investment portfolio, SMEs can spread risk and achieve better long-term returns.
  2. Business Real Estate: SMEs often own commercial or industrial real estate properties for their business operations. An SMSF can allow SMEs to acquire these properties within the fund. This allows the business to lease the property back from the SMSF, providing potential tax advantages and creating an additional income stream for the fund.
  3. Access to Capital: SMEs can utilise their SMSFs to access capital for business expansion or investment opportunities. The SMSF can lend funds to the business under certain conditions, providing financing without relying on external sources. This can be particularly beneficial when traditional financing options are limited or expensive.
  4. Tax Advantages: SMSFs can offer tax advantages for SMEs. Contributions to an SMSF are generally taxed at the concessional superannuation rates, which may be lower than personal or corporate tax rates. Additionally, income and capital gains generated within the SMSF are generally taxed at a lower rate, providing potential tax savings for SMEs.
  5. Estate Planning: An SMSF can play a role in SMEs’ estate planning strategies. By structuring the SMSF correctly and establishing binding death benefit nominations, SME owners can ensure that their superannuation benefits are distributed according to their wishes upon their passing. This can provide peace of mind and a smooth wealth transition to beneficiaries.


It’s important to note that utilising SMSFs for investing requires careful consideration and compliance with superannuation regulations. SMEs should seek advice from qualified professionals, such as financial advisors or accountants experienced in SMSFs, to ensure they understand the legal requirements, investment strategies, and potential risks associated with SMSF investing.

By leveraging SMSFs, SMEs can gain greater control over their retirement savings, access a broader range of investment opportunities, and potentially enjoy tax advantages. However, it’s crucial to approach SMSF investing with careful planning, expert guidance, and a thorough understanding of the SMEs and their owner’s specific needs and goals.

As a Small or Medium-Sized Enterprise (SME) owner, you can supercharge your retirement savings using smart tax strategies. By leveraging Small Business Tax Concessions, you can build a robust superannuation fund and maximise your tax benefits. 

Explore how you can make the most of these opportunities:

  1. Small Business CGT Concessions: When selling eligible business assets, SME owners can tap into the small business capital gains tax (CGT) concessions. Enjoy benefits like a 50% CGT discount, retirement exemption, and small business rollover relief. Say goodbye to hefty capital gains tax and retain more funds for retirement.
  2. Superannuation Contributions: Take advantage of tax concessions by contributing to your superannuation fund. Your business can make concessional (pre-tax) contributions for you and your employees. These contributions are taxed at a lower rate within the fund, allowing you to grow your superannuation balances more effectively. Watch your retirement savings multiply over time!
  3. Superannuation Guarantee Contributions: Fulfilling your Superannuation Guarantee (SG) obligations benefits your employees’ retirement and provides tax deductions for your business. By meeting these obligations, you’re avoiding penalties and ensuring a valuable retirement benefit for your hardworking team.
  4. Transition to Retirement Strategy: If you’ve reached your preservation age but still want to keep working, consider a transition to retirement (TTR) strategy. This allows you to access superannuation benefits while continuing to work. By starting a TTR income stream, you can supplement your income, reduce working hours, and contribute more to your superannuation fund. Enjoy tax advantages and build a strong foundation for retirement.
  5. Small Business Income Tax Concessions: SMEs may qualify for a range of income tax concessions tailored for small businesses. These concessions can significantly reduce your tax liability, from the Small Business Tax offset to simplified depreciation rules, instant asset write-offs, and trading stock rules. Imagine the extra funds you can direct towards your retirement savings.


However, it’s essential to remember that tax laws and concessions can vary. That’s why seeking personalised advice from experienced SME financial professionals is crucial. Our SME advisers can guide you through the intricacies of tax planning, helping you make informed decisions aligned with your unique circumstances. Our SME advisory services can provide you the guidance you need to navigate this process. 

Take control of your financial future and achieve the retirement you deserve. By harnessing tax strategies and small business tax concessions, you can optimise your tax position, increase your retirement savings, and build a rock-solid superannuation fund. 

Additional Services & Access:

  • Choice of Cash Management Accounts (CMA) 
  • Spread of Professional Investment Managers (in-house investment managers)
  • Professionally Managed Portfolios 
  • Unlimited access to Shares and ETFs across established and emerging global exchanges, including the ASX.
  • Personalised Managed Accounts 
  • 24/7 digital access and regular reporting of investment holdings, performance, tax positions, and corporate actions.


Domestic and International Portfolios

Working with proprietary global investment platforms, B. Moses provides clients easy and unlimited access to the Australian and international equities markets and ETFs across major global exchanges, including the ASX. 

Securities Trading

The trading team at BMAM and BMS consists of highly experienced equities advisers specialising in mid-tier and large-cap companies on the ASX. In this specialised area, BMAM and BMS operate derivatives strategies, including equity and index options that generate income and provide hedging for portfolios and speculation.  

Equity Capital Markets (ECM)

The BMAM and BMS team has assisted listed and unlisted companies in raising capital through private equity and placements.

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understand the market

Our core services and depth of experience extend to securities and derivatives, international portfolios, equity capital markets, alternative assets, private debt, and capital advisory services.

Build People's Dreams

Our broader service offerings has been designed after following tested strategies, not products. As a client, we’ll provide 24/7 access and regular reporting.

Understand Asset Classes

Exposure to the major asset classes including equities, fixed interest , ETFs, managed accounts, managed funds, alternative investments, property-based assets (direct/managed fund), private debt investments and portfolio management.