2020 Tax Returns + 3 Ways To Make The Most Out Of It!

Did you know that the average Australian received a tax refund of $2,381?  That’s enough to splurge on some new furniture or an LED Smart TV, right?  Well, before you head down to your local shopping centre with your tax refund in hand, take a look at three ways we’ve come up with to spend your tax return.  We’re confident that the following strategies will help you make the most out of your tax return and create positive change in your life.

#1 SET UP AN EMERGENCY FUND

Research conducted in last year’s Financial Consciousness Index found that a concerning 13.4 million Australian’s do not have emergency savings to fall back on if there were unable to earn an income for more than three months.  The study also found that 7.5 million Australian’s struggle to pay their bills and are not saving money regularly.  With this is mind, why not use this year’s tax return to set up an emergency fund and make this the start of your savings plan.  Our team at Canny Advisory can help you with budgeting and saving to ensure that you have the right financial plan in place to set yourself up for success.

TIP // speak to one of our Financial Planners or Advisers to find out the easiest way to make this happen without even noticing!

#2 MEET WITH AN ESTATE PLANNING LAWYER

As the saving goes, there are only two certainties in life; death and taxes.  Unfortunately, more than half of Australian adults do not have a will.  So, with this year’s tax return, why not protect your loved ones and sit down with an estate planning lawyer to draw up a will or testamentary trust.  Our team at Canny Legal can help you with your estate planning needs, including wills, enduring powers of attorney and medical power of attorney.  Getting this sorted can be the final way you say ‘I love you’ to the people you love the most.

TIP // check out www.cannygroup.com.au/wills to complete your Will in the comfort of your own home, without having to leave your couch!

#3 STARTING YOUR SIDE HUSTLE

If you have an idea of starting a side business, use this year’s tax return to kick-start this once and for all.  it doesn’t take much more than $2,381 to get started these days: a basic website and some Facebook or Instagram ads to attract your first paying customers.  Why not make this the start of your side hustle and see if you can generate a return on investment and get your business off the ground.  It’s also worth keeping in mind that our team at Canny Accounting can help you to take your side hustle to the next level.  We will ensure that you’re equipped with the knowledge to manage your side hustle the right way and take advantage of opportunities as they present themselves.

TIP // speak to one of our team to ask them about booking your ticket to our FREE Side Hustle webinar to help you get started the right way!

So, how will you spend your tax return this year?

 

Chris Graham – Client Services

HAPPY EOFY – Tax Tips for Small Business + Sole Traders

What a time we have had over the last six months, first with the devastating bush fires and now with the Covid-19 pandemic, it certainly has been a different time, the likes that many of us have not seen before.

Many small businesses and sole traders would have been entitled to receive Government assistance during this period including grants and concessional loans for those affected by the bush fires and JobKeeper reimbursements, cash flow boost for employers and State Government grants for those affected by the Covid-19 pandemic.

Of these assistance packages some will be tax-free, while others will be considered taxable income.  Here are some of the packages and their tax treatment:

  • DISASTER RELIEF PAYMENTS [BUSH FIRES] // these are non-taxable payments + do not need to be included in your tax return
  • JOBKEEPER REIMBURSEMENT [COVID-19] // as the name implies, these are reimbursements + are therefore considered taxable income
  • CASH FLOW BOOST [COVID-19] // these payments are tax free.  They are not required to be paid back once the business’ cash flow improves
  • STATE GOVERNMENT BUSINESS SUPPORT FUND GRANT [COVID-19] // this one-off payment to eligible businesses is considered taxable income

Due to Covid-19, your business income may have been affected to such a degree that you will not have any issues with the 2020 Financial Year tax, but if you will here are some tips to help reduce your taxable income:

  • SUPPLIER INVOICES // pay any supplier invoices prior to 30 June, even if they are not due until July or later.
  • SUPERANNUATION // pay the June quarter superannuation obligations prior to 30 June.  Generally, it takes 5-7 business days for payment to be received by the employees superannuation fund, so payment will need to be processed earlier to allow for this.
  • BUSINESS OWNERS // if you are a business owner, you could pay an additional superannuation contribution to maximise the $25,000 concessional contributions cap.
  • SOLE TRADER // if you are a sole trader, you may take a concessional contribution to your superannuation fund and claim a tax deduction for it.
  • INSTANT ASSET WRITE-OFF // the threshold currently stands at $150,000, so any piece of equipment or business vehicle, below this threshold, will be able to be deducted in full in the 2020 financial year, if purchased and in use by 30 June 2020.

 

Danny Grigg – Senior Accountant

BComm CA

 

Business Pivot OR Business Adaptation?

As we look forward to relaxation of lockdown in our lives and businesses, it can be difficult to find or maintain motivation.  But let’s take a look at a quote attributed to Albert Einstein: “In the midst of every crisis, lies great opportunity”.So, the question is, what opportunities are there for you, or for your business?

Business Pivot or Business Adaptation – What is your “great opportunity”?

You might think in these JobKeeper days that you or your business has to undertake a significant “Pivot”, and radically change the way you do things to ensure not just survival but success.

But equally, that may not be what you want, or more importantly what your customers want. You may need to make smaller changes, refine processes, update your systems or even just modify the language you use to talk to your customers.

Be it Pivot or Adaption, considering your customer needs and wants should be a significant part of your plan.

Now, this article is about motivation, so the words above are about WHY you may want to change. The most difficult part can be making the first step.


STEP ONE // DO NOT LET THE OPPORTUNITY PASS

STEP TWO // WHEN IN DOUBT, REFER TO STEP ONE

 

Every one of you who has got this far does need to find your own motivation.  Is the crisis enough, or is there something about your situation that you really want to change?  Sometimes the biggest obstacle is not knowing how you can possible achieve your goals.  This is where the team at Canny Group can really help. We spend time with our clients understanding goals.

But it is the next part that can be the “secret to motivation”.  Rather than stopping at identifying goals, we can work with you to identify the action steps, what you actually have to do, to move toward your goals. Not only that, we can keep you accountable to those actions.

This could be to do with your business goals, where our Accounting team will work with you.

It could be to do with your financial or retirement goals, where our Advisory team will work with you.  And if you have goals with succession planning, litigation or asset protection the Legal team will work with you.  Best of all, if you have goals the encompass a mixture or all of these, you can rest easy knowing we will work together to help you achieve them all.

A FINAL WORD ON MOTIVATION FOR CHANGE:

“It is not the most intellectual of the species that survives; it is not the strongest that survives; but the species that survives is the one that is best able to best adapt and adjust to the changing environment in which it finds itself”

This quote could almost have been tailored to the times we find ourselves in today, but is also one that is often mis-represented as being a quote from Charles Darwin tied to his work “On the Origin of Species”.  It was actually written by the significantly less famous Leon C. Migginson in “Civilisation Past and Present” in 1963.  Fast forward 57 years and the quote holds true.

 

Adam Ramage – Senior Business Adviser + Accountant

B.Bus CA

Self-Education

It’s February and so in keeping with the ‘Back to School’ theme I thought I would revisit the opportunities that are available for self-education and professional development.

Whether you are supported by your employer or not you may be able to claim a tax deduction for self-education expenses if they relate to your current work activities.  You cannot claim the costs however if it is for the purpose of new employment or to open up a new income earning occupation. Some of the costs that you can claim are:

  • COMPUTER + STATIONARY CONSUMABLES EG. PAPER, PRINTER CARTRIDGES
  • COURSE FEES [IF PAID BY YOU]
  • PURCHASE OF EQUIPMENT, OR IF THE COST IS OVER $300, DEPRECIATION OF EQUIPMENT
  • INTERNET USAGE
  • STUDENT UNION FEES
  • TEXTBOOKS
  • TRAVEL; BETWEEN HOME + THE PLACE OF EDUCATION + BETWEEN WORK + THE PLACE OF EDUCATION

Likewise, there are also opportunities to claim the cost of professional development.  If you are in an occupation that requires a certain number of certified professional development hours, the costs of attending relevant seminars and conferences can be quite high, however if they are relevant to your employment they can be claimed as a tax deduction.  If you are a business paying this cost for your employees this is a claimable business expense.

Aside from the bonus of a tax deduction, it is a great idea to keep up to date with ideas, techniques and changes in the law no matter what industry you are in.  Maintaining your knowledge is both good for your self esteem and enhances your chances of maintaining your employability.

If you are thinking of taking on additional study and are unsure about how this will affect your tax or your business, just call our office and one of our qualified team will be happy to help you.

 

Amanda Wilkens – Director

CPA

Side Hustle

SIDE HUSTLE is a fresh new seminar to add to our FREE seminar series kicking off 2020!

Sitting down with director Amanda Wilkens for a session to discuss all things business and what you need to know about having a side hustle. She will talk about having things set up correctly, what you need to consider about having a job and a business on the side as well as;

  • WHERE TO BEGIN, WHAT TO DO + WHAT YOU WILL NEED?
  • WHAT EFFECT DOES MY SIDE HUSTLE HAVE ON MY MAIN INCOME JOB?
  • HOW TO MANAGE MY SIDE HUSTLE + JOB AT THE SAME TIME
  • WHEN IS IT TIME FOR MY SIDE HUSTLE TO TAKE OVER?

You will come away from this session with the knowledge of how to take your side hustle to the next level and be armed with the knowledge that you’re doing things the right way and not missing any opportunities.

FREE tickets available via eventbrite: https://www.eventbrite.com.au/e/side-hustle-tickets-88964979649

REFRESHMENTS INCLUDED + ALL CHILDREN WELCOME!

Christmas + FBT

It’s coming up to the Christmas holiday period which means scheduling the staff Christmas party and purchasing gifts for your employees, but as we skip into the month of December, it’s important that we remember what is deductible in relation to gifts and entertainment provided and how fringe benefits tax [FBT] relates with these actions.

FBT is payable by employers on the value of certain benefits that have been provided to their employees in respect of their employment. The purpose of the legislation to ensure fair tax treatment between cash paid to employees and benefits provided to them during their employment. Fringe benefits can include but are not limited to: providing an employee a vehicle that is owned by the business to drive, providing a loan to an employee with no interest, and also functions and gifts provided to an employee at Christmas time.

Towards the end of December, many employers schedule a work breakup or event to celebrate the holidays with their employees or purchase a gift for the employees and their families. These events can include costs such as venue hire, food and alcohol purchases or booking entertainment such as a band. Are these expenses tax deductible? Is the employer entitled to claim goods and services tax [GST] back on those expenses incurred?

Generally, providing entertainment to an employee is not tax deductible unless FBT is paid. Employers cannot claim deductions for the cost of Christmas gifts purchased for employees if the gift directly provides entertainment by way of food, drink or recreation. Similarly, the expense of a staff Christmas function would not be deductible as it involves the provision of entertainment.

However, there are some exceptions. The cost of a Christmas party is tax deductible if provided on a working day on the business premises and consumed by current employees. Another exception is providing a minor benefit by ensure the cost of the Christmas party and gifts are less than $300 per employee. And when it comes to GST, the credit is available if FBT is paid or the benefit is exempt from FBT and a tax deduction can be claimed.

If you are providing more than salary and wages to an employee, now is a good time to book an appointment with one of our accountants to ensure you are not inadvertently paying more tax than necessary by providing a non-cash benefit to your employees.

 

Jamie Arrington – Manager

B.Com CA

Just One Thing. Imagine (jot.I)

Kim Bradbury isn’t just a mum-preneur, she isn’t just our very own Business Manager AND she’s featured on Domain.com.  Determined to provide a real solution to our worlds waste problem.  That is the driving force behind Just One Thing. Imagine (jot.I) and believing in the most ordinary products that can make the biggest impact.

 

WHAT DO YOU DO AT JOT.I? – where did you start to where you are now?

At jot.I, I take unloved and unwanted pieces of clothing and turn them into something completely new…bags.  One of my favourite things when designing a new bag, is to make sure it retains a piece of what it once was – which I hope brings a smile to my customers.

I started with a small idea for a shopping bag – supermarkets were advertising that they were going to stop single use plastic bags, but would replace them with a different type of manufactured bag, which seemed a little counterproductive to the environmental problems that the world is facing – and I knew that I didn’t want to manufacture a bag in a factory, I wanted to create something that might make a difference to the world in which we live.  So I thought about fashion waste and how we as a country discard on average 23kg of textile waste per year, much of which ends up in landfill, despite donations to charity shops; and so, I looked for a way that I could use clothing to make a shopping bag, that might in some small way, leave a positive impact on the world.  That’s how Just One Thing. Imagine (or jot.I for short) was born.

The solution I came up with, was a shopping bag made entirely from a men’s shirt.  It still has the placket and the pocket, which I think is fun and it wraps up neatly to fit in a handbag or sit in your car, and is secured by the cuff of the shirt, making it 100% recycled.

From this one idea, I now make satchels, totes, lunch bags, phone stands, sunglass cases…anything I can think of to make sure I use every scrap of material and ensure I am a true zero waste business.

HOW LONG HAVE YOU BEEN UPCYCLING/RECYCLING + REDUCING WASTE… and making master pieces?

This question was a bit of an eye opener for me, because I officially started upcycling when I started my business in October 2018.  However, when I look back, I have been doing this since I was a little girl.

One of my strongest memories as a child is sitting with scraps of material that were left over from garments that my Mum would sew (I am lucky by the way, to have a very talented seamstress for a Mum) and I would wrap the scraps around my dolls to create what I thought was the most wonderful couture outfits.

Then when I was a teenager,  before I threw out any clothes, I would always try them on and consider if they could be re-vamped with the talents of my Mum, before I threw them out.  This often meant that dresses became a top, or a long skirt became a mini and I always had a wardrobe that was filled with one of a kind pieces.

So, looking back, I guess I have been upcycling all of my life, but now I have a child of my own, I take it a little more serious as I want to leave a legacy for him that we can be proud of.

WHAT DO YOU LOVE ABOUT YOUR JOB?

In one word… creating and problem solving.  I love looking at an unloved piece of clothing and then turning that into as many useful everyday pieces as I can.

My favourite so far has been coming up with the idea to use the extra men’s shirt cuffs that I had left over from my shopping bags and to incorporate them into a functional part of the design for my sunglasses cases.

WHAT IS your SECRET.. to being a mum-preneur?

Family and friends.  Without their honest feedback, encouragement and support – I wouldn’t have had the courage to become a mum-preneur.

 

To check out Kim Bradbury’s website to go: https://justonethingimagine.com.au/

Instagram: https://www.instagram.com/jot.imagine/

OR have a read of Kim’s feature on domain.com.au : https://www.domain.com.au/living/the-rise-of-the-hobbyist-796778/?utm_campaign=strap-masthead&utm_source=domain-homepage&utm_medium=link

Ivy Recruitment Partners

Ivy Recruitment Partners is a niche boutique recruitment consultancy specialising in financial planning recruitment for boutique to medium sized financial planning firms across Melbourne and Kim Eveleigh is the powerhouse behind it all.

 

How did Ivy Recruitment Partners come to life?

I owned another recruitment agency for nine years and after returning from maternity leave with my third child, my then business partner and I decided it was time to go our separate ways.  This is when I met Mandy from Canny Group who assisted through the sales process (she was amazing!).  When we settled I sold my shares, established Ivy Recruitment Partners and I haven’t looked back!

How long has Ivy Recruitment Partners been up and running for?

Seven amazing months!  As part of the sale I was able to take my clients with me and I anticipated just working on those roles.  However it has absolutely taken off and completely surpassed any of my expectations that I previously had.

What do you love about your job?

The relationships most of all!  I have amazing relationships with my clients and due to this they always give me repeat business which is incredible.  Some of my clients are like friends now.  Because of the relationships I have built, I get many referrals which means I regularly get new financial planning businesses contacting me off the back of my existing relationships.

I love dealing with candidates.  There are some candidates that I placed many years ago in junior roles who have worked their way up and are now my clients!

I also wouldn’t be a recruiter if I didn’t enjoy the satisfaction of making placements – it’s not only the thrill of placing a great candidate (particularly the junior candidates when you hear them squeal with delight that they’ve been offered their dream role), but also the praise the client gives when you’ve secured them their ideal candidate and how pleased they are that they’re been provided a great service.

It’s a pretty lucrative career as well.  If you love it… you do it well.

Is your job exciting or do you just look at peoples resumes all day?

It has its highs and lows.  One day you have multiple roles on with candidates going out to interviews and making placements and it’s so motivating!  Then the next day, you might have a candidate withdraw or another agency fills the role you are working on (as there are a few businesses that use several agencies for one role), or it could be that something else happens and the placement you thought you were to to make just simply doesn’t happen.  That’s when you turn it up a notch and go into overdrive to fill the roles for your clients.

You certainly do look at a lot of resumes, but having been in recruitment for 13 years now, it’s second nature and I can easily pick a top candidate out of 50 applications through quick screening.

What’s planned for the future of Ivy Recruitment Partners?

At the moment, I absolutely love having the flexibility and freedom of working for myself around the kids as life is busy with three!  However, I have so much business coming through, much more so than I had anticipated, that I might need to look at bringing on another consultant sooner rather than later.  Ideally, I’d like to continue as I am until my littlest reaches kinder and hopefully I am able to do that.  At that point, I’ll be back talk to Mandy about how to build the business and put a plan into place.

How do I get into contact or find our more about Ivy Recruitment Partners?

You can e-mail me directly at kim@ivyrecruitmentpartners.com.au.

I am always on LinkedIn as well so that’s another good way to make contact!

 

Kim Eveleigh – Director

Ivy Recruitment Partners

Casual Conversion Rights

Often our business clients want advice on putting into place employment arrangements that are flexible in the form of casual employment arrangements that may also suit employees.

At times the business may want confidence in the employee’s performance before considering a full time contract or the business may be approached by a casual employee who seeks to be converted to full time employment after working regular hours.

In September 2018 the Fair Work Commission (FWC) turned its attention to the question of “Casual Conversion” and the employer’s obligation to convert a causal employee working regular hours to full time or part time permanent employment.  From 1 October 2018 the FWC varied many awards to include this right.  Subject to certain prerequisites in many circumstances (that is 84 Modern Awards in addition some 28 Modern Awards that already contain the right) an employee has a right to request casual conversion to permanent employment.

The rights is subject to the casual employee working a pattern of hours over the previous 12 months that they could continue to perform on a full time or part time basis under the provision of the applicable award.

Subject to the formalities such as the request being in writing the employer may refuse only on reasonable grounds such as: the employee is not working regular hours; it is known or reasonably foreseeable the employee’s position will end; it is known that the employee’s hours will significantly reduce in the next 12 months.  Any such ground must be provided to the employee in writing in 21 days of the request being made.  If the employee disputes the alleged facts or claimed reasonable bases, the dispute will be heard at FWC.

Accordingly business are not required to offer employees under relevant Modern Awards permanent employment and the casual employee’s right depends on the facts determining regular employment over the preceding 12 months.  If casual employees prefer flexibility and 25% higher pay they will not exercise this right.

If you would like more information, or to find our how we can help – please get in touch with our team.

 

Richard Pinkstone – Principal Solicitor

BA, LLB

Discretionary Trusts + Keeping It In The Family

A family trust is a form of a Discretionary Trust and one of the most important investment vehicles that individuals can look at starting.  They are very useful in particular for building wealth for the benefit of future generations, flexibility in daily operations, family investments, holding and protecting your family’s properties and other assets.  These assets could include investment properties, share portfolios, personal use assets (holiday homes, boats, land, antiques etc.).

Many of our clients also prefer to keep properties used in their business under a trust structure while carrying on their operations from other business entities under a rental agreement to protect their assets from creditors and other third party legal action.

The purpose of a trust is to hold these assets and cash flow for the benefit of the members of the “family group”.  Their operation is for the most part subject to the terms of the trust deed which is prepared when a trust is established.  This makes the trust deed the single most important document for this structure.  It dictates various things including:

  • Who is the Trustee (who looks after the legal property of the trust for the benefit of the family members and decide on annual distributions – generally mum and/or dad)
  • Who is the Appointor (Person in charge of selecting the trustee)
  • Who will be the beneficiaries (those entitled to the trust’s income and/or those who have right to trust’s assets)
  • Definition of trust income including how, to whom and what type of income will be distributed.
  • What happens when a trust vests or ends.

 

Due to the fact that the trust deed of the trust defines who the potential recipients of trust income will be on formation (usually family members), trust is a structure very much favored by family businesses (I.e. a Family Trust) who can provide capital if expansion is required in the future, investments need to be purchased or excess cash of family members needs to be loaned to the trust.  This is because, besides commercial loans, it is not possible to pursue external investor capital as a family trust.

If succession planning and keeping the business with in the family is the main goal, then this is the ideal business structure.  Discretionary trusts allow the business to be passed down to the next generation of family members.  In this case, the trust deed must allow for the change of Appointor or Trustee.  As there is no change in beneficial ownership of the trust and given all family members are beneficiaries of the trust, the changeover in the control of business within the family is not subject to any CGT implications.

This trust structure offers various benefits such as:

  • Being an ideal tool for succession planning and transferring within the family without immediate tax implications.  For example, when you want to hand down the family business to your next generation while avoiding any CGT implications.  This is true, as long as they are deemed to be beneficiaries as per the trust deed which also needs to be carefully drafted.
  • Strong asset protection is provided from creditors (for instance, in the event a family member experiences bankruptcy or a related entity is going through insolvency).  This requires that the trustee is a company and trust deed limits the trustee’s liability upon being sued to the share capital invested in the trustee company.  Please note that exceptions do apply when it comes to family law.
  • High degree of flexibility in distribution of income to various beneficiaries in the most tax effective way including family and friends ensuring all the family members tax free thresholds are fully utilized.

Distributions can also be varied every year to reflect changing income of family members.

  • Access to various small business Capital Gains Tax (CGT) concessions on sale, restructure of and retirement from business.  The individual also receives a 50% CGT discount when distribution is received from the trust.
  • Overall flexibility in operation of trust as it is mainly governed by the trust deed.

One of the main drawbacks of a trust structure would be that losses cannot be distributed and there are substantial hurdles to recoup such losses.  However, trust losses can be carried forward to future years and offset against future tax income.

Due to the trust offering such significant benefits and potential tax savings, the ATO have been looking more closely into them recently.  Recent changes included reduction in distributions to minor members of the family (usually under 18 years old).

All in all, it can be quite complex and challenging to identify your business needs and selecting the appropriate business structure or combination of entities.  Furthermore there are various commercial and taxation implications when it comes to family trusts.

Keeping your business circumstances in mind, and to ensure there is a seamless transfer of wealth between generations, it is recommended to get professional advice before making any such decision so you can customise your entity structure to your business needs.

 

Humam Siddiqui – Accountant

BComm

We Bring Home an International Award

The PANALITIX conference is a premier annual even where accountants from across the globe converge to learn on accounting best practice from industry influencers, thought leaders, technology and solution providers as well as international outstanding accounting firms.

Directors, Amanda Wilkens and Krystine Canny-Smith and Manager Helen Yau travelled across the globe to San Diego in November to take part in the conference.  Not only bringing back extra suitcases and excess baggage, they also managed to bring home the Best in Team Development Annual Award for 2018 from 12 awards.

The ‘Best in Team Development’ category aims to reward those who strive to create an amiable work environment for their team, while consequently providing continuous team development and engagement, resulting in business growth.

http://atthepac.com/thepac-awards/

How To Set New Year Resolutions and Stick To Them

So 1st January you have your list of resolutions and you are completely committed… 2nd January you are distracted with ‘life’ and by 7th January they are in the ‘too hard, stinks of effort’ basket if you haven’t forgotten about them already.

Well this year is going to be different and this is how;

1. Think of the top 3 things you want to change in your life – business or personal.  Any more than this and it gets too complicated and overwhelming and this is where the failure rate creeps in.

2. Think about the length of time you need to achieve each goal and diarise the date that they each need to be completed by. Be realistic here but it must be within the year.

3. Contact the people or business that will help you achieve your 3 goals.  If it is getting your Will done, call your lawyer and make the appointment.  If it is getting fit, call a Personal trainer.  If it is starting a new business or expanding, call your Accountant.  If it is making more time to see your parents or friends get on the phone now and just do it!

4. Decide on the reward you will give yourself when these are completed.

It is likely that you can’t do all this alone so don’t be afraid to delegate to the experts who can help you.

Business goals are no different to personal goals in terms of the way you should ‘attack’ them.  You must be methodical and committed otherwise you are wasting your time, money and that of those that are prepared to help you.

We have many clients who say at the beginning of the year that they want to ‘increase their income’ or ‘decrease their costs’.  These are sweeping statements and we can help you do this, but first we will help you determine what the figure is and what and how they can be achieved.  It takes time and thought to plan this.

 

In 2019 we will be holding our popular ‘One Day Plan sessions’ each month commencing in March in our new premises at the Federal Mill.

These whole day sessions are designed to establish what your goals are and we work with you to determine the path you will take to achieve them.  So it doesn’t just have to be at New Year that you can make resolutions!

The dates for these sessions will be released in our February Newsletter and are open to existing clients or new.

 

Amanda Wilkens – Director

B.Comm CPA