A live, on-screen Review

You ask one question. “Can we buy the Property?” You get five back.

Now you’re sifting through inboxes, firing off emails and explaining what this could change at home.

One question has turned into a week of calls.

You’re the one carrying the answers between them.

Who Owns the Whole?

Next live Review

Register your place.

When Thursday, 29 October 2026

Time 12:00pm AEDT

Format Live online

We’ll send the live-access details and a reminder before the Review begins.

Next live Review

Thursday, 29 October 2026 · 12:00PM · Live online

“Can we buy the Property?”

You have rented the building for years. The owner is ready to sell, and you have the chance to buy it before someone else does. It looks like a property decision. It is also a business, lending, structure and family decision — all at once.

YOUR BROKER needs to understand the deposit and borrowing position.
YOUR ACCOUNTANT needs the purchasing structure and tax position clear before you move.
YOUR PARTNER needs to know what this changes for the plans you have already made.

Michael and Ivan put that decision on the screen and work through the questions that need answers before it can happen.

No lecture.
No theory slides.
Just a live look at one decision most business owners recognise.

Around 45 minutes, followed by time for questions.

Register for the next Review

Take something simple

The thing you have been waiting for turns up in the middle of a week already full.

Buy the building you have been renting.

Thu

Thursday · 4:43 pm

Your broker calls. The building you have rented for years is available. The owner wants to know whether you are serious by Monday.
Thu

Thursday · 7:16 pm

Your accountant needs to know which entity buys it. Then they need current cash, tax position and the latest numbers. You call the bookkeeper to find out whether the books are even up to date.
Fri

Friday · 10:04 am

The lender needs figures, borrowing capacity and guarantees. Your broker needs much of the same information again — just in a different form.
Fri

Friday · 4:51 pm

The lawyer has the contract. The seller’s agent wants an answer. Your financial adviser needs to understand what this debt changes in the plan you already had.
Sat

Saturday · 9:12 am

You said you would take the kids out. Your partner asks whether you have had a chance to talk about what this means for the plans you already made.
Mon

Monday · 9:00 am

The owner still needs an answer.

The building was an opportunity.
The decision took your whole weekend.

Register for the next Review

Who this is for

Your business grew. So did the number of people who need you in the room.

You have a leadership team. An accountant, lawyer, broker or adviser. A partner who wants to understand what the next big call means at home.

01

Your team can run the day. When a decision changes people, cash or direction, it still comes back to you.

02

You have good advisers. You are still repeating the same situation because each person needs the part that affects theirs.

03

The business is no longer the only thing affected. Property, debt, ownership, investment plans and family time can all move with one decision.

04

You have built something worth protecting. But too much of how it fits together is still sitting in your head.

Everybody owns a part. You still carry the whole.

The people running the Review

Michael + Ivan

System consequences + human consequences. The Review looks at both — because a decision rarely stays contained to one part of life.

Michael Youssef

He sees what the decision changes next.

HY Accounting has worked with business owners since 1999. Michael has led the firm since 2017.

Michael works inside the decisions that shape what a business can keep, protect, fund and pass on. His strength is pattern intelligence: recognising the recurring conditions that make a decision harder later, before they become a cash, ownership, family or continuity problem.

What Michael brings
Pattern intelligence — spotting dependencies and warning signs before they become more costly.
System consequences — tracing what changes across cash, tax, structures, ownership and family plans.
Commercial reality — testing whether the numbers and structure can carry the decision.

See Michael on LinkedIn

Ivan Ang

He helps you live with the decision.

Built and sold a financial-planning practice. Coached hundreds of financial planners and executives.

Ivan has spent decades in the rooms where money decisions become leadership decisions, partner conversations and real change for the people involved. A technically sound answer is only useful if the people affected understand it, trust it and know how to carry it.

What Ivan brings
Decision translation — helping people understand what a decision actually requires of them.
Leadership under pressure — bringing the human load and difficult conversations into view.
Shared ownership — turning a decision into clear conversations, commitments and action.

See Ivan on LinkedIn

Together

One whole decision.

Michael sees what the decision changes across the system. Ivan tests what it requires from the people who have to live with it.

They use the Fragility Coefficient to make a rarely examined problem visible: a business-owning family can look successful, have good advisers and still rely too heavily on one person holding the context, authority and connections between everything.

The point is not to judge whether you are doing well. It is to see what should not be left sitting in one person’s head.

Already know the feeling?

See how much still waits for you.

Answer 20 short questions about the business, money and family decisions that still need you. You will see where the weight is sitting now.

Complete the Fragility Coefficient

The Fragility Coefficient is a self-reflection tool. It is not personal financial, legal or tax advice.