Questions & Answers

A good starting point is to understand your current position, that includes income, expenses, assets, debts, superannuation, insurance, tax obligations and future goals. From there, King & Whittle can help you identify priorities and develop a practical plan covering cash flow, debt, investment, retirement, insurance and estate planning.

Yes. King & Whittle can provide advice on Superannuation Funds, including SMSF to support retirement planning, investment management and long-term wealth objectives.

Yes. King & Whittle can provide investment advice, including advice on direct equities, managed investments and diversified investment strategies aligned to your financial goals and risk profile.

Yes. King & Whittle can support succession and estate planning to help clients protect their wealth, provide for their family and plan for the transfer of assets across generations.

Yes. King & Whittle provides retirement planning advice to help clients prepare for retirement, structure retirement income, manage superannuation and make informed decisions about their future lifestyle and financial security.

Wealth management includes financial planning, investment advice, superannuation, retirement planning, personal insurance, estate planning, debt management and long-term wealth creation strategies. It helps individuals, families and business owners manage their financial position with greater clarity and confidence.

A financial adviser helps you understand your financial position, define your goals and develop strategies to manage, protect and grow your wealth. This may include advice on superannuation, investments, retirement planning, insurance, debt, estate planning and wealth transfer.

Approaching retirement is an important time to review your superannuation, investments, expected income needs, tax position, estate planning, insurance and lifestyle goals. King & Whittle can help you consider when to stop working, how to structure retirement income, whether your assets will support your desired lifestyle and how to protect your wealth for the future.

This depends on your interest rate, tax position, investment timeframe, risk profile and personal priorities. Paying down a mortgage can provide certainty and reduce debt, while investing may offer the potential for longer-term growth. King & Whittle can help you make the right decision, balancing financial return, risk, cash flow and peace of mind.

The right investment strategy depends on your goals, timeframe, risk tolerance, tax position and need for access to the money. Before choosing an investment, it is important to understand whether the cash is intended for short-term needs, debt reduction, retirement, business purposes or long-term wealth creation. King & Whittle can help you assess your options and develop an investment strategy aligned with your broader financial position.

Term deposits may suit clients who value certainty, capital stability and predictable interest income. However, they may not always provide sufficient long-term growth, particularly after inflation and tax are considered. King & Whittle can help risk-averse investors consider a diversified strategy that balances security, income and measured growth.

Both property and shares can play a role in wealth creation. Property may offer tangible ownership and potential rental income, while shares can provide diversification, liquidity and access to different markets. King & Whittle can help you think through the right choice based on your goals, timeframe, borrowing capacity, tax position, risk tolerance and existing assets.

Accounting services may include income tax returns, financial statements, bookkeeping, BAS and IAS lodgements, payroll support, GST advice, tax planning, company and trust accounting, SMSF accounting, business advisory, cash flow support, budgeting and corporate affairs services.

King & Whittle help business owners understand their numbers, manage cash flow, assess profitability, plan for tax, review business structures, prepare budgets, analyse performance and make informed decisions about growth, investment, succession or exit planning.

Tax planning is essential as it provides you with the opportunity to actively seek ways to reduce your tax liability. This can be achieved by implementing tailored strategies to reduce the impact of capital gains, prepaying interest, investing in negatively geared investments, assessing your current structures and other similar proactive measures prior to end of the financial year.

Ideally from early May to Mid-June in any given year. The earlier the better as any later than mid-June and you may not have time to implement the chosen strategies and enjoy the benefits within the current financial year.

King & Whittle recommend questions such as: What clients do you typically work with? What services do you provide? How do you charge? Who will manage my work? How do you communicate with clients? Can you assist with tax planning, business advice or structures? What information do you need from me? How do you help clients plan?

The best accountant for a small business is one who understands your industry, business structure, tax obligations, cash flow needs and long-term goals. King & Whittle have been advising small business' for decades, and understand that a small business needs a partner who provides more than compliance support; one that can assist with tax planning, business structure, reporting, advisory and practical decision-making.

When looking for an accountant near you, consider qualifications, experience, responsiveness, service range, client fit and whether the firm can support both your immediate needs and future goals. While location can be useful, King & Whittle suggest the quality of advice, communication and relationship is usually more important.

King & Whittle advise bringing recent tax returns, financial statements, income details, expense records, business structure documents, loan information, superannuation details, investment records, insurance information and any questions or goals you would like to discuss. For business owners, you may also bring BAS records, payroll information, accounting software access and current business plans.

Corporate affairs include the administration, maintenance and regulatory filing requirements associated with companies, trusts and related business structures. This may include company registers, minute books, office holder records, ASIC filings, share certificates, incorporations, de-registrations, trust deeds and constitutions.

This is a legal requirement. Accurate corporate affairs administration helps ensure company and trust records are complete, current and compliant. It supports good governance, reduces compliance risk and provides clarity for directors, owners, trustees, advisers and future decision-makers.

Yes. King & Whittle assists with the completion and filing of statutory ASIC requirements, together with other corporate documentation and administrative updates required by ASIC.

Yes. King & Whittle can assist with incorporating new company structures and deregistering entities that are no longer required.

Yes. King & Whittle reviews trust deeds and constitutions to help ensure key governing documents are complete, current and appropriate for the relevant business, family or investment structure.

Yes. King & Whittle offer an initial no cost, no obligation conversation to review your structure, as well as a wealth management meeting. This gives us the opportunity to understand your circumstances, discuss your needs and determine whether King & Whittle is the right fit for you.

Accounting fees vary depending on the complexity of the work, the type of service required and the structure involved. King & Whittle will explain our fee structure clearly before any work begins.

A qualified accountant should have relevant accounting qualifications and, ideally, professional membership with a recognised body such as Chartered Accountants Australia and New Zealand or CPA Australia. If they provide tax agent services, they should also be registered with the Tax Practitioners Board. The team at King & Whittle are CPA and CA certified.

“Accountant” is a general term. A CPA or CA is an accountant who has completed additional professional study and is a member of CPA Australia or Chartered Accountants Australia and New Zealand. These designations indicate professional training, standards and ongoing obligations. The team at King & Whittle are CPA and CA certified.

You can ask about their qualifications, professional memberships, public practice certificate and tax agent registration. In Australia, you can check whether a tax agent or BAS agent is registered through the Tax Practitioners Board public register. You can also check relevant professional memberships through CA ANZ or CPA Australia where applicable.