Somewhere between
the invoices and the IRD,
your profit disappeared.
We know where it went.
Most NZ trades businesses quietly lose $15,000–$40,000 a year to a structure problem their accountant has never mentioned.
We work exclusively with NZ electricians, plumbers and HVAC businesses earning $500k+. This is the only thing we do.
Book A Free CallFlat out with work. Watching every dollar.
Flat out. Still broke. Nobody's explained why.
You invoiced everything. You had a big month. The bank balance still doesn't reflect it. That's not bad luck — that's a system that was never set up right.
The tax bill landed. You weren't ready. Again.
Not because you're bad with money. Because nobody told you it was coming, nobody set anything aside, and your accountant found out the same time you did.
You have no idea which jobs actually made money.
Some feel profitable. Some feel like you worked for nothing. You're quoting both jobs the same way - and hoping for the best.
Your accountant's last proactive call? You can't remember.
They're not ignoring you. They just don't know enough about trades to know what to warn you about. So they wait until they have to call. By then it's too late.
You pay yourself last. Every single month.
Crew. Suppliers. IRD. Van payments. And then -whatever's left - that's yours. You built this business to have a life. Not to be last in your own queue.
Hi. I'm Kirsten.
Yes, I'm an accountant.
I know, not the most exciting opener. But here we are.
I spent years watching trades businesses work their guts out and walk away with less than they deserved. Wrong structure. No cashflow plan. An accountant who called once a year with a bill and then disappeared.
So I built something different. Start Out Savvy works exclusively with electricians, plumbers and HVAC businesses. We know your numbers. We know your industry. And we actually pick up the phone.
Working with the right accountant feels different.
Not a nicer report. An actual shift in what lands in your account, what you see coming, and how much you stress about money on a Sunday night.
We work exclusively with NZ trades businesses. We know your numbers. We know your industry. And we know exactly what's costing you.
See what's included →Tax bill. $28,000. April. Nothing set aside. Goes on the credit card. Spends three months paying it back. Swears it won't happen again.
We helped them set aside $2,300 a month from day one. Bill arrives. Money's already there. You don't even open the letter, we handle it.
Big commercial job. $90k invoiced. Felt like a win. Three weeks later, same balance as before. Where did it go?
Job costing in Xero shows exactly what that job returned. 34% gross margin. You quote the next one knowing your real number.
Email the accountant. Wait 11 days. Three sentences back. Call the office. Leave a message. Hear back Friday. The answer is wrong.
Voice memo on the way to site. Plain English answer back same day. Every time. No waiting. No wondering.
They were where you are.
They're not anymore.
"With Kirsten's help we've grown considerably - even in a downward market. She understood the business without us having to explain it. Fixed pricing. No surprise invoices. Ever."
"Kirsten helps us plan ahead so tax, GST and ACC are never scary when they arrive. Easy to bounce ideas off. Genuinely helps us make better decisions. Best decision we ever made."
"Transparent. Non-judgmental. It never feels like we're just another number. Always feels like we're valued — no matter how basic my questions are."
20+ years in NZ accounting. Trades-focused by choice. Calls before the bill arrives, not after. Working with electricians, plumbers and HVAC businesses nationwide.
Most accountants don't understand
what that took.
We do. And we know exactly
what it's costing you.
Free 15-minute call. We look at your numbers, tell you what we'd change, and tell you what it costs. Straight talk. No commitment.
Show Me Where My Money WentNo long forms. No jargon. No waiting two weeks for a reply.
Stalk Me Here
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