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About Us

At All About Business we are here for your business. Our highly qualified, knowledgeable and experienced team of consultants pride themselves on providing down to earth and easy to understand advice. Our unique set of skills and capabilities allow us to offer end-to-end business consulting services, we use a range of tools including diagrams (we love diagrams….), helping you understand your business better. Our approachable team partners with you to embrace your business and achieve proactive solutions.

All About Business is a CPA Business.

Covid-19

For Small Business re COVID-19

To encourage continued employment

One of the drivers of the stimulus package is to encourage and assist small business to continue to keep employees where possible. There are 2 incentives, the first being a reduction in your PAYG Withholding (a rebate) and the second being a payment for Apprentice Wages.

Boosting Cashflow for Employers

For those of you with employees you will be entitled to a rebate equal to 100% of your PAYG Withholding from 1st January to 30 June 2020, up to a maximum of $50,000. (This has increased from 50% of the withholding and a maximum of $25,000 which was announced last week)

If you employ someone and you don't have to withhold tax on their wages you will still receive $10,000.

If you withhold $10,000 a month from your employees wages in PAYG you will receive a $10,000 rebate each month, until you reach the $50,000 threshold.

This will be paid to you once the March BAS and June BAS have been lodged. For those of you who pay PAYG Withholding monthly the ATO will give you 3 times the March Withholding amount to ensure you are on a level playing field, then the rest in each BAS to the end of June.

On top of this an extension has also been applied from 1st July to 31st October. This extension means you will receive the same rebate again as you received between January - June. That means an additional $10,000 as a minimum up to $50,000 depending on how much you were eligible for previously.

Whilst this takes the total payment to a minimum of $20,000 and maximum of $100,000 it's important to note the DATES. This won't all be paid between the March and June BAS, but will instead by paid between March - September.

It's important to note that the payment will not be made until after your BAS has been lodged and will only be made to you if your ATO account is in Credit. ie. if you owe the ATO money this will come off your existing debt.

You don't need to 'register' for this, it will automatically happen as part of your BAS. We will of course calculate and let you know how much this will be in April when we are preparing the March Quarter BAS.

Supporting Apprentices

In an effort to keep apprentices and trainees employed, employers will be entitled to 50% of the wages of apprentices and trainees from the 1st January to 30th September. This will be capped at $21,000 or $7,000 per Quarter per eligible apprentice.

This will be available to small business employers who have less than 20 employees in total. It's important to note that if you employ a new apprentice that was displaced from another employer you will be eligible for the rebate.

Eligibility assessments will need to be done by an Australian Apprenticeship Support Network Provider. We will be in contact if you have an Apprentice so we ensure you are registered in April when applications open.

To encourage investment

The government is also mindful of the need to continue investment in assets for business to keep the cycle going. They have introduced another increase to the asset write off threshold and additional accelerated depreciation.

It's important to note that these are not cash back incentives, but an acceleration of a tax deduction, reducing the income tax your business would pay at the end of the year. If your business is making a loss these measures won't give any immediate assistance from a tax or cashflow perspective.

Instant Asset Write Off

Whenever you purchase an asset for your business (a car, computer, machinery etc) you generally need to depreciate or claim the cost of this asset over a number of years in your tax returns. In the last budget the government increased this threshold meaning anything costing less than $30k could be claimed as a tax deduction immediately rather than needing to be claimed over a number of years.

As part of these measures the government has increased this threshold to $150k for all businesses with a turnover up to $500m. That means if you purchase an assets from now until 30 June that costs less than $150k you will be able to claim it as a tax deduction this year.

What this means is that if you purchase a piece of machinery for $100k, you will reduce your income tax bill by $27,500.

Remember you need to a) be making a profit and have to pay tax in order for this to apply, and b) have the cashflow in your business to support and sustain the purchase.

Please ensure you let us know if you are looking at any asset purchases so we can run the cashflow scenarios.

Backing Business Investment

If your asset purchase falls outside of the above thresholds then you will be entitled to claim a 50% of the cost of the asset as an immediate write off as well as the normal depreciation for the remaining 50%.

That means if your asset purchase was $500k, you can claim $250k deduction in this year along with the normal depreciation on the remaining $250k.

Payroll Tax Relief

There are a range of Payroll Tax Concessions in each state. For the states where you need to apply for an exemption we will be doing this on your behalf with the April returns.
NSW

  • No Payroll Tax to be paid for March, April or May
  • When your annual reconciliation is lodged in July you will get an exemption of 25% of your total payroll liability for the year (note this includes the wages you paid in March - June)

VIC

  • For those with Annual Payroll of up to $3million this year NO PAYROLL TAX. If you have already paid during the year you will receive a refund. We will chase this refund for you next month.

QLD

  • Deferral of lodgement date until 3rd August for each month from now on. Note you still have to pay, just not until August.

WA

  • One off grants are available for employers with Australian wages between $1million and $4million. Grant total is $17,500

To encourage banks to continue to lend

The government is encouraging banks to lend to small business by guaranteeing 50% of loans issued to small businesses. These loans are short term unsecured loans (up to 3 years) , which means we should see some new products being provided by lenders over the coming weeks. They can only be for a maximum of $250,000 with a 6 month repayment holiday.

On top of this some of the banks have announced support and reductions for small businesses :

CBA

  • Automatically deferring BetterBusiness Loan and Asset Finance repayments for eligible small business with total lending limits up to $3 million in April, May and June 2020. From July, customers will be able to opt-in to receive a further three month deferral if needed.
  • Waiving merchant fees for effected customers
  • Waiving early redraw fees on term deposits
  • Waiving establishment fees on temporary excess products

NAB

  • Deferral of repayments on loans for up to 6 months, assessed on a case by case basis
  • Extending terms of loans by up to 3 months
  • Deferral of credit card payments

ANZ have also announced deferral of repayments on loans up to 6 months to be assessed on a case by case basis.

You will need to contact your relationship manager for more details from a banking perspective. As always give us a buzz first for any cashflow requirements.

Super

Retirees will have more flexibility with super. You will no longer have to withdraw 4% of your super if you are paying a pension, but instead will only have to withdraw 2%. We will be running these scenarios this week and will be in touch with everyone effected.

For some effected businesses & individuals you will be able to withdraw up to $10k of your super between now and 30 June as well as an additional $10k after June if your income has been reduced by 20%

Next Steps

We will continue to update this as new measures are announced.

Let me reiterate, there is no application for the PAYG Rebate, we will advise how much this will be with your March BAS.

For those of you with apprentices we will be in touch in April once the application process has been released.

We will also ensure your payroll tax reductions are lodged when April hits.

If you are looking to purchase assets and know you have the cashflow to support please also let us know so we can advise what impact this will have on you.

Any questions as always just let one of the All About Business team know.

If you are unsure and need to know how just give the office a call on 03 94341103.

JOBKEEPER

Under the JobKeeper Payment, businesses significantly impacted by the coronavirus outbreak will be able to access a subsidy from the Government to continue paying their employees. This assistance will help businesses to keep people in their jobs and re-start when the crisis is over.

The JobKeeper Payment is a temporary scheme open to businesses impacted by the coronavirus. And will be available to Companies, trust with or without employees as well as sole traders.

The Government will provide $1,500 per fortnight per employee for up to 6 months.

The JobKeeper Payment will support employers to maintain their connection to their employees.

Eligible employers

Employers will be eligible for the subsidy if:

  • their business has a turnover of less than $1 billion and their turnover will be reduced by more than 30 per cent relative to a comparable period a year ago (of at least a month), or
  • their business has a turnover of $1 billion or more and their turnover will be reduced by more than 50 per cent relative to a comparable period a year ago (of at least a month), and
  • the business is not subject to the Major Bank Levy
  • The employer must have been in an employment relationship with eligible employees as at 1 March 2020, and confirm that each eligible employee is currently engaged in order to receive JobKeeper Payments.
  • Not-for-profit entities (including charities) and self-employed individuals (businesses without employees) that meet the turnover tests that apply for businesses are eligible to apply for JobKeeper Payments.

Eligible employees

Eligible employees are employees who:

  • are currently employed by the eligible employer (including those stood down or re-hired);
  • were employed by the employer at 1 March 2020
  • are full-time, part-time, or long-term casuals (a casual employed on a regular basis for longer than 12 months as at 1 March 2020)
  • Last updated: 30 March 2020 2
  • are at least 16 years of age
  • are an Australian citizen, the holder of a permanent visa, a Protected Special Category Visa Holder, a non-protected Special Category Visa Holder who has been residing continually in Australia for 10 years or more, or a Special Category (Subclass 444) Visa Holder
  • are not in receipt of a JobKeeper Payment from another employer.

If your employees receive the JobKeeper Payment, this may affect their eligibility for payments from Services Australia as they must report their JobKeeper Payment as income.

Payment process

Eligible employers will be paid $1,500 per fortnight per eligible employee. Eligible employees will receive, at a minimum, $1,500 per fortnight, before tax, and employers are able to top-up the payment.

Where employers participate in the scheme, their employees will receive this payment as follows.

  • If an employee ordinarily receives $1,500 or more in income per fortnight before tax, they will continue to receive their regular income according to their prevailing workplace arrangements. The JobKeeper Payment will assist their employer to continue operating by subsidising all or part of the income of their employee(s).
  • If an employee ordinarily receives less than $1,500 in income per fortnight before tax, their employer must pay their employee, at a minimum, $1,500 per fortnight, before tax.
  • If an employee has been stood down, their employer must pay their employee, at a minimum, $1,500 per fortnight, before tax.
  • If an employee was employed on 1 March 2020, subsequently ceased employment with their employer, and then has been re-engaged by the same eligible employer, the employee will receive, at a minimum, $1,500 per fortnight, before tax.

It will be up to the employer if they want to pay superannuation on any additional wage paid because of the JobKeeper Payment.

Payments will be made to the employer monthly in arrears by the ATO.

 Timing

The subsidy will start on 30 March 2020, with the first payments to be received by employers in the first week of May. Businesses will be able to register their interest in participating in the Payment from 30 March 2020 on the ATO website.

How to apply

Businesses with employees

Initially, employers can register their interest in applying for the JobKeeper Payment via The Australian Taxation Office (ATO) from 30 March 2020, following this link https://www.ato.gov.au/general/gen/JobKeeper-payment/?fbclid=IwAR3x6xIahLVYLnp1sZa-LrVp-b6yE83XDviENKJbOpCvtMXksgPTdld-ITk .

Subsequently, eligible employers will be able to apply for the scheme by means of an online application. The first payment will be received by employers from the ATO in the first week of May.

Eligible employers will need to identify eligible employees for JobKeeper Payments and must provide monthly updates to the ATO.

Participating employers will be required to ensure eligible employees will receive, at a minimum, $1,500 per fortnight, before tax.

It will be up to the employer if they want to pay superannuation on any additional wage paid because of the JobKeeper Payment.

Further details for businesses for employees will be provided on ato.gov.au.

Businesses without employees

Businesses without employees, such as the self-employed, can register their interest in applying for JobKeeper Payment via The Australian Taxation Office (ATO) from 30 March 2020.

Businesses without employees will need to provide an ABN for their business, nominate an individual to receive the payment and provide that individual’s Tax File Number and provide a declaration as to recent business activity.

People who are self-employed will need to provide a monthly update to the ATO to declare their continued eligibility for the payments. Payment will be made monthly to the individual’s bank account.

Example of the JobKeeper Payment

 Self-employed

Melissa is a sole trader running a florist. She does not have employees. Melissa’s business has been in operation for several years. The economic downturn due to the Coronavirus has adversely affected Melissa’s business, and she expects that her business turnover will fall by more than 30 per cent compared to a typical month in 2019.

Melissa will be able to apply for the JobKeeper Payment and would receive $1,500 per fortnight before tax, paid on a monthly basis.

Worker with multiple jobs

Michelle currently works two permanent part-time jobs, at an art gallery during weekdays, and at the local café on the weekend. Due to the impact of the Coronavirus, the gallery has closed and Michelle has been stood down without pay under the Fair Work Act. Michelle continues to work at the café delivering take-away orders.

Michelle can only receive the JobKeeper Payment once, from the employer from whom she nominates as her primary employer. As Michelle only claims the tax free threshold from her job at the art gallery, this will be treated as her nomination of the art gallery as her primary employer.

The art gallery is eligible for the JobKeeper Payment. The art gallery will pass the JobKeeper Payment on to Michelle, so she will receive $1,500 per fortnight before tax. During the application process, the art gallery will notify the ATO that Michelle receives the payment from them. The art gallery is also required to advise Michelle that she has been nominated to the ATO as an eligible employee to receive the payment.

The café is not eligible to receive the JobKeeper Payment for Michelle. The income that Michelle receives from her job at the café does not change her entitlement to the JobKeeper Payment she receives from the art gallery.

Employee made redundant after 1 March

Miles worked as a permanent part-time personal trainer at a gym for six months and was made redundant on 20 March 2020 in response to the Government directive that gyms close. Miles was not entitled to redundancy pay due to his length of service.

In response to the announcement of the JobKeeper Payment, the gym decides they want to re-engage Miles so they are well placed to resume their operations once the Coronavirus restrictions are lifted.

After being made redundant, Miles had registered an intent to claim with Services Australia for access to the JobSeeker Payment and the Coronavirus Supplement. Miles is single, with no children and in total he would be eligible to receive $1,124.50 before tax per fortnight.

If Miles chooses to be re-hired by the gym, under the JobKeeper Payment he will receive $1,500 a fortnight before tax while he is stood down. Miles will need to advise Services Australia of his income. He is no longer eligible for the JobSeeker Payment and the Coronavirus Supplement from Services Australia as a result of receiving the JobKeeper Payment.

Employer with 5 employees who all currently get paid more than $1,500 per fortnight

Sara runs a landscaping company, and employs five full-time gardeners. Sara is paying her employees $1,700 per fortnight before tax. She expects that her turnover will decline by more than 30 per cent over the coming months and that she will either need to lay staff off, or reduce their wages significantly.

As a result of the JobKeeper Payment, Sara will be able to keep employing every gardener, and only needs to pay the $200 wage cost per fortnight before tax per employee above the $1,500 per fortnight (before tax) JobKeeper Payment.

Employee who has been stood down and applied for income support

Phoebe works in administration services of a large retail company as a permanent full-time employee, but she has been stood down under the Fair Work Act without pay. Phoebe had registered an intent to claim with Services Australia for access to the JobSeeker Payment and the Coronavirus Supplement. Phoebe is single, with no children and in total she would be eligible to receive $1,124.50 before tax per fortnight from Services Australia.

Phoebe’s employer has decided to apply for the JobKeeper Payment for all its eligible employees for up to six months. This would entitle Phoebe to $1,500 per fortnight before tax. Phoebe’s employer is required to advise her that she has been nominated as an eligible employee to receive the payment.

If Phoebe elects to receive income support though Services Australia, she will need to report her income from the JobKeeper Payment to Services Australia. Phoebe may no longer be eligible for income support from Services Australia as a result of receiving the JobKeeper Payment.

We understand that it is a very difficult time for all and the amount of information we are providing can be overwhelming. We strongly urge you if you need to talk to us regarding any of the above or any other concerns that you give us a call.

Covid-19 Update

JobKeeper & National Code for Tenancies

Today another bill was introduced to parliament for JobKeeper. If you need a midnight read the bill can be found here It has now passed the house of reps and is currently with the senate.

We've summarised the bill below for you along with the new mandatory code of conduct for commercial tenancies.

JobKeeper

To recap the JobKeeper is designed to keep employees connected to businesses (ie still employed) and reduce the amount of people flocking to Centrelink for unemployment benefits.

If your business has seen a reduction in turnover by 30% since 1 March the government will pay you $1,500 per fortnight per employee you continue to pay.

There have been a lot of questions on what this means in practice and the legislation has finally been released with the details.

There have been new provisions made for 'JobKeeper-enabling stand down' This is effectively the changes applied to the Fair Work Act for the next 6 months (to 28th September). It is designed to make it easier for employers and employees to navigate this time.

'If a person cannot be reasonably employed and usefully employed in the present circumstances because of the extreme circumstances that we’re facing, there’ll be an ability for an employer to give a JobKeeper-enabling stand down'

What this means in practice is the following :

  1. You can reduce the number of hours employees work, this could be a slight reduction, or could be a reduction down to nil
  2. You can change the type of work the employee performs as long as the employee has the capability and any required licences to do that work. An example was given that a chef could be asked to deliver coffee
  3. You can change where the employee works, as long as it's reasonable, ie you can direct an employee to work from home instead of the office. Note that you can't direct an employee to work a substantial distance away from home or the normal place of work
  4. You can change the normal days an employee is to work as long as the employee agrees, note if it's reasonable the employee has to agree
  5. Note that you cannot change the normal rate of pay for employees. If they are paid $30 an hour normally, they still need to be paid that amount
  6. Employers can direct employees to use Annual Leave, as long as they have more than 2 weeks of leave remaining at the end of the pay period. An employee could therefore work 10 hours and take 10 hours leave to bring them to the $750 a week JobKeeper minimum payment level
  7. It's important to note, that no matter how many hours an employee works, they are still to accrue Annual and Personal leave at the same rate they normally would. So if they usually work 40 hours, but are now only working 10, they still accrue leave on the normal 40 hours
  8. Employees who have had hours cut can go and get secondary employment in order to supplement income

My understanding, along with some examples, please note this assumes the business does of course qualify for JobKeeper payments :
IF BUSINESS IS CLOSED, PEOPLE NOT WORKING

  1. Employer will get $1,500 per employee per fortnight from the ATO
  2. Employer will pay each employee $1,500 per fortnight
  3. Employer must have given written stand down instructions to employees
  4. Employer can direct any employee to take annual leave as long as they have more than 2 weeks left at the end of the pay period
  5. Annual Leave direction doesn’t need to be the full 38 hours per week, just simply to take the employee to $750 per week or $1,500 per fortnight
  6. No super payable if employee isn’t working, super payable if taking annual leave
  7. Leave still accrues at the employees normal rates before the stand down

IF BUSINESS IS STILL OPEN, FULL TIME

  1. Employer will get $1,500 per employee per fortnight from the ATO
  2. Employees work normal hours
  3. Employer pays employees normal weekly wage. If they earn more than $750 per week normally, they get paid as usual. If they normally earn less than $750 they get paid $750 per week.
  4. Super is payable on normal hours worked, super is not payable on the top up amount if an employee normally earns less than $750 a week
  5. Leave still accrues at the employees normal rates

IF BUSINESS IS STILL OPEN BUT REDUCED HOURS

  1. Employer will get $1,500 per employee per fortnight from the ATO
  2. Employer will pay each employee $1,500 per fortnight
  3. Employer can direct an employee to work the number of hours that would get them to $750 per week wages (based on normal hourly rate), ie this could be a reduction in hours compared to normal
  4. Employer can direct employee to take annual leave (as long as more than 2 weeks left at the end) for the number of hours that would get them to $750 per week
  5. Employer must have given written instructions to employees if reducing hours or taking leave
  6. Employer can direct a combination of hours worked and annual leave if the employee cannot be usefully employed for those number of hours
  7. No super is payable if employee isn’t working (ie on the top up hours), super is payable if taking annual leave

Example 1

So in this example let’s say someone's normal hourly rate is $25/hour (ie $950/week)

The business has seen downturn and only has work for the employee to do 30 hours per week.

Assuming all the correct JobKeeper stand down provisions were adhered to the employee would work 30 hours per week, at the normal pay rate of $25/hour and would be paid $750.

The employee would be paid Super on this amount as they are working the hours, and they would accrue leave at the normal working hours of 38 hours per week

Example 2

Let's assume the same 38 hour normal week at $25/hour

But in this example let's assume the business has a significant downturn and there is only 15 hours of work per week for the employee.

Again assuming the correct JobKeeper stand down provisions were adhered to the employer could have the employee take 15 hours of Annual Leave per week on top of the 15 hours a week they are working to get to a total of $750 per week gross payments. It's important to note the employee must have 2 weeks annual leave left at the end of the pay period, otherwise they cannot be directed to take Annual Leave.

What else has to happen?

The employer must give the employee notice in writing of an intention to give a direction to change hours of work, days or work or annual leave etc.

This notice needs to be given 3 days prior to the direction, or the employee needs to agree to a lesser notice period.

The employer needs to have consulted the employee before giving the direction

Employers must keep evidence of the written notice to the employee.

The direction then remains in place until such times as it is withdrawn, or another directive is given. This must cease on the 28th September 2020.

It's important to note we aren't HR specialists, and have simply summarised the Bill before parliament. If you have a HR manager, or outsourced provider you normally deal with, it's always a good idea to get them to help you dot the i's and cross the t's, especially the directive to change.

This has certainly clarified the process and what employers are able to agree with employees so that everyone can continue to be employed, whether full time, reduced hours or simply getting the JobKeeper amount.

Commercial Tenancies Code

The National Cabinet’s mandatory Code of Conduct for commercial tenancies (Code), released on 7 April 2020, aims to impose a set of good faith leasing principles for negotiations between landlords and tenants. Specifically, the Code relates to measures the two parties can agree on and implement to alleviate financial stress and hardship stemming from the COVID-19 pandemic.

The code will be legislated by the States, and will be mandatory. To be eligible you need to have a turnover of less than $50million and be eligible for the JobKeeper rebate.

The details :

Landlords must not terminate leases for non-payment of rent & tenants need to continue to comply with lease obligations. Interest and charges cannot be applied to accounts.

Landlords must freeze rent increases for the period of the pandemic and a reasonable period afterwards.

Landlords must pass on rent reductions proportionate to the turnover reduction of the tenant.

Landlords must pass on any statutory reductions such as land tax etc to tenants.

An Example :

Let's assume a tenant has had a reduction in income of 60% and they normally pay $10,000 a month in rent. They could expect a proportionate reduction in rent.

In this example they would be expecting $6,000 proportionment reduction.

As the code stands 50% of the reduction needs to be provided as a complete waiver of rent, ie rent free. And the other 50% needs to be a deferral of rent over a minimum of 24 months.

This would mean $3,000 of rent would not be payable by the tenant, and the $3,000 would be amortised over a minimum 24 month period.

Care should also be taken to ensure that any repayment of the deferred rent does not compromise the ability of the tenant to recover from the crisis.

Our Values

At All About Business we operate on the core values of belief in our experience, knowledge and communication. These values drive what we do and why we do it; our mission is to work in partnership with our clients, providing clear, no-nonsense business and financial advice in a way that is both accessible and actionable.

  • Experience

    We have extensive industry experience across many facets of business, including accounting, cash flow management and financial advice. Our team is always on hand to help you achieve the best outcome.

  • Knowledge

    We don’t shy away from the fact that we know what we’re talking about. Whether it’s help with setting up a company or advice on the best finance and insurance options for your business, our knowledgeable team provide clear, informative and actionable advice.

  • Communication

    We are not your typical business consultants. We pride ourselves on our easy-going and approachable manner. We partner with you, communicating in a way that is easily understandable.

Our Services

All About Business delivers a full range of consulting services, from taxation and accounting through to cash flow management and financial advice. Our end-to-end business services can help you understand how your business is performing and clearly identify strategies to help put you in a better financial position.

  • Taxation

    We aim to create tax strategies for you to legitimately minimise your taxes and meet your taxation objectives. Each year we prepare and lodge income tax returns for individuals, trusts, partnerships, companies and superannuation funds. We provide ongoing advice on capital gains tax (CGT), fringe benefits tax (FBT), the goods and services tax (GST) and pay as you go (PAYG) rules.

  • Business Structures

    Our team provide ongoing advice to optimise tax structures, including advice on corporate structures, asset protection through the use of trusts, and retirement planning through the use of superannuation funds. We advise on the role of being a director, highlighting the obligations, responsibilities and fiduciary duties outlined in the Corporations Law.

  • Superannuation

    We are specialists in the area of self-managed superannuation funds (SMSF’s). We provide a comprehensive service over the entire lifespan of the SMSF, from the initial setup through to the final pension phase. We also oversee the regulatory requirements to ensure ongoing compliance with the applicable Government agencies.

  • State Taxes

    Our consultants can provide advice in relation to the three main state taxes: payroll tax, land tax and stamp duties.

  • Benchmarking & Analysis of Financial Services

    As part of our internal quality control procedures, we analyse your financial statements on an ongoing basis to identify areas of risk and concern and advise on areas of improvement.

  • Corporate Compliance

    We can help with the annual preparation of your company statement, the declaration of solvency and where applicable, attending to change of directors and change of addresses. We can also maintain your share registry details as required.

  • Valuations

    Our team can provide valuations on your behalf, including for the purchase or sale of a business, business partner buyouts, employee buy-ins, and determining the value of shares for stamp duty purposes.

  • Computer Consulting

    We provide ongoing assistance and advice on operating and maintaining your data files using various software applications.

  • Estate Planning

    Advising on all matters regarding your estate, including advice on capital gains tax, the transfer of assets to beneficiaries, and any superannuation related issues.

  • Insurances

    We help review the level of your insurances, including life insurance, sickness and accident insurance, trauma cover, key-man policies and income protection.

  • Workers Compensation

    We review workers compensation policies and verify actual wages paid for declaration to insurance companies.

  • Finance Applications

    We assist clients in the process of applying for finance, including providing financial statements and income tax returns to financiers. We also prepare projected cash flows and forecasts to assist financiers in their assessment of your application for finance.

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