Small and Medium Businesses
I provide end-to-end financial solutions for small and medium businesses, combining technical expertise with strategic insights to ensure compliance, minimize tax liabilities, and optimize cash flow.

Business Setup & Structure Advisory
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Entity Selection: Guidance on the most tax-efficient structure (sole trader, partnership, trust, or company) for your goals.
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Registrations: Assistance with ABN, TFN, GST, company name (ASIC), and business name.
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Start-up Compliance: Advice on licenses, permits, and industry-specific requirements (e.g., FBT for hospitality).
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Asset Protection: Strategies to shield personal assets from business risks.
📌 Example: *Saved a café owner $12k/year by restructuring from sole trader to a family trust.*

Bookkeeping & Financial Management
- Daily Transactions: Accurate recording of income/expenses (manual or automated via Xero/MYOB).
- Bank Reconciliation: Monthly reconciliation to detect errors or fraud.
- Cash Flow Forecasting: Projections to plan for growth or seasonal dips.
- Custom Reporting: Profit/loss statements, balance sheets, and KPIs tailored to your industry.
📌 Example: Identified $8k in duplicated expenses for a retail store through rigorous reconciliation.

Payroll & Superannuation Compliance
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Single Touch Payroll (STP): Processing wages, PAYG withholding, and super contributions.
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Employee vs. Contractor: Correct classification to avoid ATO penalties.
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Super Guarantee (SG): Ensuring timely payments (avoid 200% fines).
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Payroll Tax: Registration and lodgement for growing businesses.
📌 Example: Resolved $7k in super shortfalls for a trades business before ATO penalties applied.

BAS/IAS Lodgements & GST Optimization
- Quarterly BAS/IAS: Accurate GST calculations and lodgement.
- GST Reconciliation: Maximizing input tax credits (e.g., equipment, inventory).
- Fuel Tax Credits: Claims for transport/logistics businesses.
- ATO Negotiation: Payment plans or dispute resolution.
📌 Example: Recovered $15k in missed GST credits for a manufacturing client.

Business Tax Returns & Planning
- Tax Returns: Preparation for all entity types (companies, trusts, sole traders).
- Small Business Concessions: CGT discounts, instant asset write-off ($20k threshold).
- Tax Planning: Prepay expenses, income splitting, or debt strategies.
- FBT Management: For businesses with company cars/phones.
📌 Example: Reduced taxable income by $40k for a consultancy using prepaid expenses and trust distributions.

ATO Liaison & Audit Support
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Audit Preparation: Documentation and substantiation for high-risk claims.
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Dispute Resolution: Negotiating payment plans or penalty waivers.
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ATO Correspondence: Handling queries on your behalf.
📌 Example: *Reduced an ATO audit bill from $25k to $3k for a restaurant through evidence-based appeals.*
Why Choose Us?
✔ Industry-Specific Knowledge: Experience across retail, trades, professional services, and more.
✔ Proactive Approach: Year-round advice, not just year-end compliance.
✔ Technology Integration: Cloud accounting (Xero/QuickBooks) for real-time insights.
✔ Cost-Effective: Fixed-fee pricing with no surprises.