1. Home
  2. /
  3. About

The Support You Need
to Achieve Big Goals

Having the right accountant for your small business will make a substantial difference to your future success.

CBQ Financial Services was created to help motivated small business owners take control of their daily finance management so you can make little changes that lead to measurable improvements.

With our help, you will minimise unnecessary tax expenses, gain clarity around your finances and start building an effective strategy for growth.

Get started with a free discovery call.

Vision, Mission and Values


At CBQ Financial Services, we see a future where anyone who is bold enough to start their own venture is rewarded with a business that thrives.


We are on a mission to help small business owners achieve their goals and dreams by providing financial support that helps drives their business forward.


At CBQ Financial, we are committed to the following values:

> Integrity – Be open and honest in all communication and actions.
> Passion – Be inspired to do what you do.
> Fun – Work takes up a lot of our time, so have fun.
> Continuous learning – Never stop improving yourself and your business will follow.
> Innovation – Always be on the lookout to improve through technology.

Financial Services For Small Businesses

We provide tailored solutions to help you keep on top of your finances and grow your business. Our clients include the following:

Startup Businesses

Start your business on the right foot with outstanding financial support.

Growing Businesses

Take control of your finances and make sure you’re not paying too much tax.

Established Businesses

Find out how to protect your assets and expand your profits.

Hear From Our Clients

CBQ Financial Services has recently started looking after our tax situation and tax obligations. We have no doubt their compassionate professionalism, fresh and well-informed knowledge-sharing attitude and assistance with everything that is tax related (but also with general business health-related matters) will result in a successful business relationship and consequential growth on our behalf. Highly recommended!!+++


This year was the first time I engaged Justin from CBQ Financial Services and I must say I am very satisfied with the results. Justin is professional, always happy to answer my questions, and gladly spends time with me when I am unsure of something. He is exceptionally knowledgeable, understanding, and will take the time to get to know you and your business. Highly recommend!

Hampers for Maids.
Financial Services Small Business

Our Director

Justin Gray

As the owner and co-founder of CBQ Financial Services, Justin helps small businesses achieve big goals. He and his team specialise in businesses in the Trade and Construction, E-commerce, Allied Health and Fitness Industry.

Before starting CBQ Financial Services, Justin was a manager at a Leading mid-tier accounting firm in Melbourne. After seeing a lack of support small businesses were getting, he decided to switch his focus to making a positive difference in this area. One of the major frustrations he observes (nearly daily) is small business paying way too much tax.

Justin now applies the same tax saving strategies the ‘big boys’ implement to legally minimise tax for his small businesses clients.

This is why he created the $1 Million 2020 Tax Challenge; to save small businesses over $1m in tax for the 2020 financial year.

Justin loves working with small businesses and provides:

Complimentary monthly financial reports.

Open communication (no extra charges for emails or phone calls).

No surprise invoices

The latest strategies to improve efficiency

A big fan of technology, Justin always believes there is a better way of doing things. He keeps an ear to the ground for the latest helpful software and tech solutions to share with his clients.

When Justin isn’t working, he loves spending time with his wife and three children. He is a lover of sport and can often be found training for his next sporting adventure.

To see what Justin and his team can do for your small business, contact him on 0435 725 519, email him at Justin.gray@cbqfinancialservices.com or book a meeting.

Book A Call With Me

Our Partners

Meet The Team

Justin Gray

Founder & Principal Adviser

Deciding it was time to go into business and leave his position at a leading Mid-tier firm behind, Justin and Kim launched CBQ Financial Services in 2014. Justin is the principle adviser and is the driving force behind the business.

Kim Gray

Co-Founder & Director

Having started what is know as CBQ Financial Services over 30 years ago, Kim has a reduced role in the company these days.
However Kim continues to bring a wealth of tax and business knowledge to the business.

Lauren Noy

Client Services Assistant

Lauren, joined CBQ Financial Services in July 2019 and has been an integral part in the back office. Assisting Justin and Kim service clients with the upmost importance, Lauren is the unsung hero of the office.