Personal Tax & Financial Services
Whether you’re an employee, sole trader, property investor or retiree, Rick & Mon Consultants provides personalised tax, accounting and financial advice.
More Than Tax Returns. Personal Financial Advice You Can Trust.
Managing your personal finances isn’t just about lodging a tax return once a year. Every financial decision you make from purchasing an investment property and selling shares to planning for retirement or applying for a home loan can have significant tax implications.
At Rick & Mon Business Consultants, we provide personalised tax and financial services tailored to your individual circumstances. Our experienced Melbourne accountants take the time to understand your income, investments, financial goals and future plans before recommending practical strategies that help minimise tax legally while keeping you fully compliant with Australian Taxation Office (ATO) requirements.
Whether you’re an employee looking to maximise your annual tax refund, a sole trader managing business income, a property investor seeking advice on deductions or Capital Gains Tax, or someone planning for long-term financial security, our team is here to support you throughout the year.
Rather than offering one-size-fits-all tax solutions, we build long-term relationships based on proactive advice, transparent communication and practical strategies that help you make smarter financial decisions with confidence.
Personal Tax & Financial Services
Individual Tax Returns
Accurate and compliant tax returns prepared for employees, sole traders, contractors and retirees. We identify every legitimate deduction while making tax time simple and stress-free.
Property Tax Advice
Expert taxation advice for property owners and investors covering ownership structures, tax deductions, depreciation, GST and investment strategies before you buy or sell.
Capital Gains Tax (CGT)
Strategic Capital Gains Tax advice designed to minimise your tax liability when selling investment properties, shares and other capital assets.
Long-Term Tax Planning
Proactive tax planning strategies designed to reduce tax legally, improve financial outcomes and help you achieve your long-term personal wealth goals.
Home Loans & Finance
Whether you're buying your first home, refinancing or investing in property, our finance specialists help you secure lending solutions that support your financial objectives.
Rental Property Tax
Maximise your rental property deductions while ensuring your investment income is reported accurately and remains fully compliant with Australian tax legislation.
THE RICK & MON DIFFERENCE
From Financial Uncertainty To Financial Confidence
To Financial Confidence
We help Melbourne business owners move from uncertainty and overwhelm to clarity, control and long-term success.
Financial Challenges
What You Can Expect
Unsure what deductions you can legally claim
Personalised tax strategies tailored to your circumstances
Paying more tax than necessary
Accurate and compliant tax returns
Confused by Capital Gains Tax rules
Maximum eligible deductions identified
Managing rental property tax obligations
Clear advice on property and investment taxation
Unsure about investment tax implications
Proactive tax planning throughout the year
Need guidance before buying property
Practical financial guidance from experienced Melbourne accountants
Supporting Every Stage Of Your Financial Journey
Every individual has different financial goals, tax obligations and investment strategies. Our personalised accounting and taxation services are designed to provide practical advice that helps you stay compliant, maximise tax savings and build long-term financial confidence. Explore our range of personal tax services below to find the right solution for your needs.
INDUSTRIES WE SPECIALISE IN
Experts In Your Industry
Builders & Developers
Tax structures, project accounting, GST, cashflow.
Medical Practices
Doctors, dentists, clinics & allied health specialists.
NDIS Providers
Compliance, payroll, reporting & profit
Franchise Businesses
Multi-location reporting, benchmarking & growth
WHO WE HELP
Personal Tax & Financial Solutions For Every Stage Of Life
Whether you're starting your career, building wealth, investing in property or planning for retirement, our Melbourne accountants provide personalised tax advice tailored to your financial goals.
Employees
Maximise your tax refund and claim every eligible deduction.
Property Investors
Expert advice on rental property tax, depreciation and Capital Gains Tax.
Sole Traders
Simple tax, accounting and compliance solutions for self-employed professionals.
Families
Personal tax planning designed to support your growing financial commitments.
Investors
Tax-effective strategies for shares, property and investment portfolios.
Retirees
Advice on retirement income, investments and ongoing tax obligations.
YOUR FINANCIAL JOURNEY
Supporting You Through Every Financial Milestone
From your first tax return to building wealth, investing in property and planning for retirement, Rick & Mon provides expert advice to help you make confident financial decisions at every stage of life.
01 Getting Started
Whether you're an employee, sole trader or first-time investor, we take the time to understand your current financial position and future goals.
02 Making Smarter Decisions
We identify opportunities to maximise tax savings, improve financial outcomes and avoid costly mistakes before they happen.
03 Building Wealth
As your income, investments and lifestyle evolve, we provide proactive advice to help you grow and protect your wealth.
04 Long-Term Partnership
Our team remains by your side with ongoing tax planning, financial guidance and personalised support whenever your circumstances change.
Ready To Take Control Of Your Personal Finances?
Whether you’re lodging your annual tax return, investing in property, planning for retirement or looking to reduce tax legally, our experienced Melbourne accountants are here to provide personalised advice that supports your financial goals today and into the future.
CPA & Registered Tax Agents
Local team, local insight
Fixed Fee Pricing
Transparent, no surprises
Wealth and tax strategy
We think ahead for you
Year-Round Support
Always easy to talk to
Why Melbourne Individuals Choose Rick & Mon
Helping You Build Wealth Through Better Financial Decisions
Financial success isn’t achieved by lodging a tax return once a year it’s built through informed decisions made throughout every stage of life.
At Rick & Mon Business Consultants, we believe personalised advice creates better financial outcomes. We work closely with employees, sole traders, property investors, retirees and families across Melbourne to provide practical taxation and financial guidance tailored to their circumstances.
Whether you’re claiming work-related deductions, managing investment income, planning for Capital Gains Tax or building a property portfolio, we help you understand your financial position and identify opportunities to improve it.
Our focus extends beyond compliance. We aim to become your long-term financial partner by providing proactive advice, transparent communication and strategies that support your financial goals today and into the future.
Personalised Tax Advice
Receive tailored tax solutions based on your income, investments and financial objectives.
Maximise Legitimate Tax Savings
We identify every eligible deduction and tax-saving opportunity available under Australian tax legislation.
Property & Investment Expertise
Receive expert advice before buying, selling or managing investment properties and capital assets.
Year-Round Support
Need advice outside tax season? Our team is available throughout the year whenever important financial decisions arise.
Long-Term Financial Success
We help you plan ahead with proactive tax strategies that support wealth creation and long-term financial security.
Our Services
Melbourne Business Accountants & Advisors
We partner with Builders, Developers, Medical Practices, NDIS Providers, Franchise Businesses and SMEs across Melbourne.
Frequently Asked Questions
Rick & Mon Business Consultants provides a comprehensive range of personal tax and financial services for individuals across Melbourne. Our services include individual tax returns, property tax advice, Capital Gains Tax (CGT) advice, rental property tax, long-term tax planning and home loan assistance. Whether you’re an employee, sole trader, property investor or retiree, we provide personalised advice tailored to your financial circumstances.
While lodging your own tax return may seem straightforward, an experienced tax accountant can help identify deductions, tax offsets and planning opportunities that are often overlooked. We ensure your return is accurate, compliant with ATO requirements and structured to maximise your legitimate tax outcomes while reducing the risk of errors.
Yes. Our team carefully reviews your income, work-related expenses, investments and financial circumstances to identify all eligible deductions and tax-saving opportunities available under Australian tax law. Our goal is to help you maximise your legitimate tax refund while ensuring full compliance with ATO requirements.
Yes. Through our trusted finance specialists, we help clients understand their borrowing capacity, compare lending options and secure home loan solutions suited to their financial goals. We also consider the tax implications of your financial decisions to help you make informed choices.
Our services are designed for employees, sole traders, contractors, property investors, families, retirees, professionals and anyone looking for personalised tax advice and long-term financial guidance. Every recommendation is tailored to your individual circumstances and future goals.
Absolutely. We provide specialist tax advice for property investors, including rental property deductions, depreciation, ownership structures, Capital Gains Tax, negative gearing and tax planning. Whether you’re purchasing your first investment property or managing an existing portfolio, we help you make informed decisions before important financial commitments.
Yes. If you’re selling an investment property, shares or other capital assets, we provide expert Capital Gains Tax advice. We’ll calculate your capital gain accurately, apply available concessions and discounts where eligible, and help you plan the timing of asset sales to minimise your tax liability legally.
The deductions available depend on your occupation and personal circumstances. Common deductions may include work-related expenses, vehicle and travel costs (where eligible), self-education expenses, professional memberships, home office expenses and investment-related costs. We’ll review your situation carefully to ensure every legitimate deduction is claimed.
We provide proactive tax planning all year round—not just at tax time. By reviewing your financial position throughout the year, we can recommend strategies that reduce tax legally, improve cash flow and support your long-term financial goals before the end of the financial year.
Yes. Rick & Mon Business Consultants proudly assists individuals, families, property investors and sole traders across Melbourne. Whether you prefer to meet in person at our Narre Warren or Truganina offices or work with us remotely using secure cloud-based technology, you’ll receive the same personalised tax, accounting and financial advice tailored to your needs.
Ready to Partner With Experienced Accountants?
our experienced team is ready to support your next step.