AI can analyse data and automate finance tasks, but can it replace a Virtual CFO? With more than 25 years of experience, Carol Cheng explains why sound financial judgement, business context, and human insight still matter.

Have you written down your 2026 business budget yet? Many New Zealand SMEs rely on instinct, but a clear budget helps you manage cash flow, plan ahead, and avoid surprises. A well-prepared business budget turns goals into action, improves decision-making, and sets your business up for a stronger, more predictable year.

What is a Virtual CFO (VCFO)? Why do you need a VCFO? When do you need a VCFO? What are the common mistakes?