Accounting & Business Advisory for Investors
Helping Investors Build Wealth, Minimise Tax and Make Smarter Investment Decisions
Successful investing is about much more than buying the right asset. The structure you invest through, your taxation strategy, financing decisions and long-term planning can significantly impact the wealth you build over time.
At Rick & Mon Business Consultants, we work with investors across Australia to help them make informed financial decisions, legally minimise tax and develop long-term wealth creation strategies.
Whether you’re purchasing your first investment property, building a diversified investment portfolio or growing wealth through trusts, companies or SMSFs, we provide proactive accounting, taxation, business advisory and finance solutions tailored to your investment goals.
With offices in Narre Warren and Truganina, we proudly support investors throughout Melbourne and across Australia.
Investing Starts with the Right Structure
One of the biggest mistakes investors make is purchasing assets under the wrong ownership structure.
The right structure can significantly affect:
- Tax outcomes
- Capital Gains Tax
- Asset protection
- Estate planning
- Land tax
- Borrowing capacity
- Wealth preservation
- Future flexibility
Before you purchase an investment, we help you evaluate whether ownership through your personal name, a company, a family trust, a unit trust or another suitable structure best aligns with your long-term goals.
Making the right decision before purchasing an asset can avoid expensive restructuring later.
Helping Investors Build Long-Term Wealth
Every investment decision should support your long-term financial objectives.
We work closely with clients to help them:
- Build wealth strategically
- Minimise tax legally
- Protect their assets
- Structure investments correctly
- Improve cash flow
- Maximise investment returns
- Plan for retirement
Rather than simply preparing annual tax returns, we provide proactive advice that helps investors make confident financial decisions.
Supporting Every Type of Investor
We work with a wide range of investors, including:
- Property Investors
- First-Time Investors
- Residential Property Investors
- Commercial Property Investors
- Business Owners
- High-Income Professionals
- SMSF Investors
- Share Investors
- Long-Term Wealth Builders
- Family Investment Groups
Whether you’re purchasing your first investment or managing a substantial portfolio, our advice is tailored to your circumstances.
Why Investors Choose Rick & Mon
Strategic Tax Planning
We help investors legally minimise tax while building long-term wealth.
Investment-Focused Advice
We consider the bigger picture—not simply preparing tax returns.
Structuring Expertise
Choosing the right ownership structure before investing can significantly improve long-term outcomes.
Accounting & Finance Under One Roof
Our combined expertise helps ensure investment and finance decisions work together.
Long-Term Relationships
As your investment portfolio grows, our advice evolves with you.
Practical Commercial Advice
We explain complex taxation and investment matters in clear, practical language that supports better decision-making
Property Investment Advice
Property remains one of Australia’s most popular investment strategies.
We assist investors with taxation advice relating to:
- Investment properties
- Rental income
- Property expenses
- Depreciation
- Capital Gains Tax
- Property ownership structures
- Land tax considerations
- Negative gearing
- Portfolio growth
Capital Gains Tax Advice
Capital Gains Tax (CGT) can significantly affect your investment returns.
Our team provides advice regarding:
- Investment property sales
- Business asset sales
- CGT concessions
- Ownership structures
- Timing of asset disposals
- Tax planning before selling
Obtaining advice before selling an investment can often produce a better financial outcome than seeking advice afterwards.
Tax Planning for Investors
Successful investing isn’t just about increasing wealth it’s about keeping more of what you earn. Rather than reacting after year-end, we provide strategic advice throughout the year.
Our proactive tax planning services help investors:
- Legally minimise tax
- Plan future investments
- Maximise deductions
- Structure investments effectively
- Prepare for future tax obligations
Financial Reporting & Advisory
As your investment portfolio grows, understanding your financial position becomes increasingly important.
We help clients monitor:
- Monitor labour cost percentages
- Rental income
- Cash Flow
- Loan Positions
- Tax outcomes
- Portfolio growth
- Long-term financial objectives
Rather than simply producing financial statements, we help you understand what the numbers are telling you.
Cash Flow Planning
Every investment should support your broader financial goals.
We help investors understand:
- Investment cash flow
- Borrowing capacity
- Rental returns
- Interest expenses
- Portfolio performance
- Tax implications
- Future borrowing opportunities
Good cash flow planning provides confidence when making investment decisions.
Compliance You Can Trust
The disability sector continues to evolve, with increasing expectations from regulators and government agencies. Our team helps providers meet their obligations across multiple areas, including:
Australian Taxation Office (ATO)
- Business tax returns
- BAS & GST
- PAYG withholding
- Payroll reporting
- Superannuation obligations
- Tax planning
State Revenue Authorities
- Payroll Tax
- Long Service Leave requirements
- Employer registrations
- Ongoing compliance obligations
NDIS Financial Readiness
We help businesses maintain organised financial records and reporting processes that support audit readiness and strengthen internal financial controls.
Asset Protection
Building wealth takes years. Protecting it is equally important.
We provide advice regarding:
- Family Trusts
- Companies
- Investment ownership
- Asset protection
- Business risk separation
- Succession planning
Appropriate structuring can help reduce unnecessary risk while supporting long-term financial security.
Mortgage & Finance Solutions
One of our unique advantages is providing both accounting and finance expertise under one roof.
Our Mortgage & Finance division assists with:
- Investment property loans
- Home loans
- Commercial property finance
- Construction loans
- Development finance
- Equity release
- Refinancing
- Business lending
By combining taxation and lending advice, we help ensure your borrowing strategy aligns with your investment objectives.
Our Process
A clear path from chaos to clarity.
01 · Initial Consultation
A free, no-pressure chat to understand your goals and situation.
02 · Financial Review
We assess your books, structure and obligations in detail.
03 · Strategy Development
We build a clear, tailored plan to save tax and improve cash flow.
04 · Ongoing Support
We stay alongside you year-round, adjusting as you grow.
Frequently Asked Questions
Every situation is different. We assess your financial goals, tax position, asset protection needs and long-term plans before recommending the most suitable structure.
Yes. In fact, we encourage clients to seek advice before purchasing so that ownership, financing and tax considerations can be properly planned.
Yes. We provide proactive advice before asset sales to help clients understand available concessions, ownership implications and tax planning opportunities.
Absolutely. Our Mortgage & Finance division assists with investment lending, commercial property finance, refinancing and portfolio expansion.
No. While many of our clients invest in property, we also work with business owners, professionals and individuals building diversified investment portfolios.
Helping You Build Wealth with Confidence
Building wealth is a long-term journey. The right advice today can have a significant impact on your financial future.
At Rick & Mon Business Consultants, we help investors make smarter financial decisions through proactive accounting, taxation, business advisory and finance solutions.
Whether you’re purchasing your first investment, expanding your property portfolio or planning for future generations, our experienced team is committed to helping you build, protect and preserve your wealth.