Build long-term wealth with strategies for investing, saving and managing your cash flow.
Superannuation
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We help you make confident financial decisions today, so you can enjoy a more secure tomorrow.
Build long-term wealth with strategies for investing, saving and managing your cash flow.
Protect what matters most with insurance, estate planning and strategies for life's moments.
Plan for a comfortable retirement with personalised strategies for every stage of later life.

Our investment solutions are designed to help you build, protect and grow your wealth.
Discover our investment philosophy, meet our team and explore the strategies that help clients invest with confidence.

Expert lending advice to help you finance your next home, investment or business opportunity with confidence.
Finance your next home or investment property with tailored lending solutions.
Review your current loan and explore opportunities to reduce repayments or unlock equity.
Funding solutions to help your business grow or expand with finance tailored to your needs.
Understand how LMI can help you secure a home loan.

Expert accounting services and tailored advice to support your financial success and help your business thrive.
Tax returns, planning and advice tailored to your individual financial situation.
Accurate, reliable bookkeeping to keep your records organised and up to date.
Complete SMSF administration, accounting, and audit to keep your fund compliant.
Discover how we began and where we're going.
The principles that guide everything we do.
Meet the people dedicated to your success.
ACCOUNTING in BYRON BAY
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At our Byron Bay office, you'll work with a local team led by Senior Accountant Reece Andrews. We provide practical accounting and tax advice to individuals and businesses across the Northern Rivers region, from Ballina to Murwillumbah. As a growing local office backed by the resources of a larger firm, we offer personalised service with access to a wide range of expertise.
We work closely with businesses in the construction and building, manufacturing, hospitality, medical, and consulting sectors. Our team understands the challenges these industries face and provides advice that helps clients stay compliant, manage cash flow, and plan for the future. We also have specialised knowledge of GST requirements for accommodation providers and businesses operating in the tourism sector.
We're committed to making accounting as easy as possible. Whether you prefer to meet in our office or at your business premises, we're happy to come to you and provide support in a way that suits your needs. Our focus is on building long-term relationships and helping our clients achieve their financial goals with confidence.
Sole trader, company, and trust structures each have different tax treatment. For creatives and consultants, the choice often comes down to income level, asset protection needs, and whether income is likely to be retained in the business or paid out. Personal services income (PSI) rules may also apply depending on the nature of the work.
Commercial accommodation is generally subject to GST. Short-stay platforms like Airbnb have specific GST treatment depending on how the property is used. Long-term residential rental is GST-free. The right treatment depends on the facts. We can work through the rules for your specific situation.
Typical starting points are choosing the right structure, registering for GST if turnover requires it, separating personal and business finance, planning quarterly BAS obligations, and preparing for annual tax. Beyond compliance, value comes from advice on growth, cash flow, and structure as the business develops.
Asset protection involves how assets are owned, who has access to them, and what protections exist against creditors, family law claims, and other risks. Common structures include discretionary trusts, company structures for active businesses, and careful separation of personal and business assets. The right approach depends on the specific risks.
Rental income is assessable; allowable deductions include interest, maintenance, depreciation, and capital works. Short-stay accommodation has different treatment from long-term residential rental. Holiday letting through platforms may also have GST implications. Each property's treatment depends on how it's used.
Multiple income streams (employment, business, investments, rentals) make tax planning both more complex and more valuable. Common considerations include timing of deductions, use of tax-effective structures, super contribution strategies, and managing the interaction between income types. We model the alternatives.
Lynne
We really appreciate the many ways in which Adam has looked after us over the years. We have always found him to be accessible and responsive to our changing needs. Adam's exceptional customer service continues to exceed our expectations.
Greig & Chris
Graham has been advising my wife and I for a number of years. He is most professional and very helpful in guiding us in the right direction regarding our portfolio, and always takes the time to fully explain his recommendations.
Julie & Garry
I would like to express my sincere thanks for your professionalism and detailed knowledge of all things money management. It is very refreshing in business to have complete faith in all you do and say.
Lyn & Justin
Thelma
Case study 1
Situation
A local business needed financing to purchase new equipment that would support its growth and day-to-day operations. As part of the finance application process, the lender required evidence that the business could comfortably meet the proposed loan repayments.
What We Did
We worked closely with the client to prepare detailed cash flow forecasts and financial projections. These reports demonstrated the business's capacity to service the loan while maintaining healthy cash flow and ongoing operations.
Outcome
The finance application was approved, allowing the client to proceed with the purchase. The new vehicle was delivered and operational by the end of the month, helping the business continue to grow and meet customer demand.
Contact us today
Enquire today to see how we can help.