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We are Cambel Roach Advisory

Supporting your journey to financial success


Based in Melbourne, Vic

Leaders in Accounting, Tax & Business Advice


Cloud based Accounting

Leave the paperwork and bring your business online


Mortgage Broking Advice

Start your home or investment property journey today

Allow us to introduce ourselves

CR Advisory constantly seeks to improve the way you do business and implement online integrated solutions rather than a manual process to ensure data integrity and peace of mind. We aim to provide you with advice when your business needs it, not just when you ask for it.

We are committed to providing a comprehensive range of accounting, tax and advisory services for today's economic environment that help you realise your goals. Call us today to arrange a time to grab a coffee and talk about your needs.

Money icongraphic

Our Services

Services that cover the full spectrum of business and personal accounting, financial and advisory needs.
Tax & Accounting

Tax & Accounting

We offer a broad range of accounting and taxation services to sole traders, businesses, organisations and inviduals.

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SMSF

SMSF

Take control of your retirement strategy with a Self Managed Superannuation Fund, we are here to help you meet your obligations and make the most of your superannuation.

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Bookkeeping

Bookkeeping

It is the vital part of your accounting process, ensuring that your financial information is up to date and accurate. Let us do your bookkeeping while you focus on your business.

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Business Advisory

Business Advisory

We like to understand what your business is trying to achieve so that our input maximises your outcomes, we are here to help your business grow efficiently and effectively.

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Online Accounting

Online Accounting

Cloud based accounting software offers a number of benefits, alleviating the need for businesses to invest in expensive data storage and management.

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Xero Integration

Xero Integration

Xero is a leading online accounting system that helps small businesses keep track of their finances and our experts can help you set up your account.

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Mortgage Broking

Mortgage Broking

Assess your financial position with us and you can take years off the duration of your loan and own your property quicker.

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Latest News

Read the latest industry news and updates straight from our desk.
Budget 2020 - A very comprehensive break down.

Budget 2020 - A very comprehensive break down.

 The following 35 links break the 2020 Federal Budget down into bite size...

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Budget 2020 - Fact Sheets

Budget 2020 - Fact Sheets

 The following links are to Fact Sheets that describe in detail how the Federal Government feels the 202...

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Budget 2020 - At a Glance, Overview, Outlook

Budget 2020 - At a Glance, Overview, Outlook

 These three areas cover all you will need to know but the accompanying two articles cover more specific...

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Temporary home office expenses shortcut extended again

Temporary home office expenses shortcut extended again

 The 80 cents per hour work-from-home deduction method has now been extended for a further three months to...

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JobKeeper extension – changes implemented

JobKeeper extension – changes implemented

 The legislative instrument implementing the changes to the JobKeeper scheme over the extended period was...

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JobKeeper Participants – are “workers”

JobKeeper Participants – are “workers”

 Although JobKeeper has been in place for many months and is now scaling back, all eligible participants...

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Commissioner registers updated JobKeeper alternative tests

Commissioner registers updated JobKeeper alternative tests

 The Commissioner of Taxation has now released the updated alternative decline in turnover tests for...

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Varying Pay As You Go (PAYG) Instalments

Varying Pay As You Go (PAYG) Instalments

 The first instalment of 2021 income tax, due for quarterly taxpayers on 28th October may be varied...

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Reminder of Medicare Levy Surcharge (MLS)

Reminder of Medicare Levy Surcharge (MLS)

 A warning to taxpayers who may be considering cancelling private health insurance because of higher...

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Tools & Resources

Our website includes a range of free tools and resources, provided for you to use whether you're a business, family or independent.

Contact Us

We'd love for you to get in touch and we welcome any enquiry that you may have.

Get in Touch

CR Advisory welcomes your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!

Office Location

  • Suite 201 / 697 Burke Road,
    Camberwell VIC 3124

Accounting & Taxation

CR Advisory offers a comprehensive range of taxation and accounting solutions for both businesses and the individual. Let us help you take control of your financial future. Our team are committed to offer the highest level of service and welcome the opportunity to work with you.

Concentrate on running your business and let us take care of all your business taxation requirements:

We also complete tax returns for individuals. They can be complex and there are allowable tax deductions and expense claims that can be made that you may not be aware of. We can help you minimise your payable tax and potentially increase your tax return and make sure your tax return is lodged on time. We also offer advice on:

Start getting the support you need and book a consultation with one of our team members today. Call us on (03) 9826 3933 or make an enquiry via email at hello@cradvisory.com.au and one of our staff will get back to you as soon as possible.

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Self-Managed Superannuation Fund

Self-Managed Superannuation Funds (SMSFs) offer an alternative strategy option for many individuals, families and small business owners to build tax effective wealth and protect assets over time. SMSFs are becoming popular for those who are ready to take control of their own super investments as they give you ultimate control and flexibility to manage your retirement benefits.

It must be noted though, that you will have increased responsibilities as a trustee of the fund. As a SMSF Trustee, you need to keep up to date with all required SMSF regulations and be aware of changes occurring in financial markets.

We can work with you to understand your personal financial situation and decide whether a SMSF structure is appropriate for you. We will also help you to invest your assets in the most effective way to maximise your retirement benefits, whilst complying with your fund’s investment strategy.

It is generally agreed that there are a number of benefits of an SMSF, but it is important that you also understand that an SMSF may not suit your situation. Outlined below are some of the reasons why a SMSF needs to be considered carefully before establishment:

Benefits:

Disadvantages:

Running and managing a SMSF may not be suitable to everyone. Many of the advantages are also a disadvantage:

Should you wish to consider establishing a SMSF then we can help with:

Start getting the support you need and book a consultation with one of our team members today. Call us on (03) 9826 3933 or make an enquiry via email at hello@cradvisory.com.au and one of our staff will get back to you as soon as possible.

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Bookkeeping Services

Having trouble reconciling your accounts? Not enough hours in the day to balance the books? Outgrown your existing bookkeeper or have they recently left? Then our outsourced bookkeeping services can provide accurate and timely reporting for any business. You can focus on running your business while CR Advisory reconciles your accounts and attends to the processing of your financial transactions.

Our outsourced bookkeeping services can:

Maybe you would like to be able to receive payments on the spot? CR Advisory can assist with this option.

Start getting the support you need and book a consultation with one of our team members today. Call us on (03) 9826 3933 or make an enquiry via email at hello@cradvisory.com.au and one of our staff will get back to you as soon as possible.

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Business Advisory

There are four main business structures commonly used by small businesses in Australia and we can help with them all:

Sole trader: an individual operating as the sole person legally responsible for all aspects of the business.

Partnership: an association of people or entities running a business together, but not as a company. A partnership is relatively inexpensive to set up and operate.

Company: a legal entity that is separate from its shareholders.

Trust: an entity that holds property or income for the benefit of others. Trusts require a formal trust deed that outlines how the trust operates, requires the trustee to undertake formal yearly administrative tasks and if you operate your business as a trust, the trustee is legally responsible for its operations. A trustee of a trust can be a company, providing some asset protection.

It is important to note that you can change your business structure throughout the life of your business.

We can help with the following:

Start getting the support you need and book a consultation with one of our team members today. Call us on (03) 9826 3933 or make an enquiry via email at hello@cradvisory.com.au and one of our staff will get back to you as soon as possible.

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Online Accounting

More small to medium-sized businesses are moving to cloud accounting and using cloud based applications for their bookkeeping and accounting needs through desktop and mobile apps. All businesses need to keep track of their accounts, and cloud accounting allows businesses to make invoicing and cashflow management decisions based on more up to date information. It also provides for other business efficiencies including payroll for off premises workers. The cloud revolution is propelled by fast, reliable internet, cheaper servers and widely-used open-standards for interchanging data and instructions between software. Moving to the cloud does not increase data risk if good password policies and back-up strategies are in place. Businesses should ensure staff understand modern security risks and complete training when moving to cloud accounting or using any service that provides remote access.

Contact us to discuss your circumstances so we can help determine the most appropriate solution for you based on functionality, ease of use and cost.

The main cloud accounting players in Australia are:

Reckon logo

Reckon – Intuit (the global company) created QuickBooks software and Reckon (the Australian company) now continues to provide this cloud-based accounting software in a variety of formats including desktop, hosted and online cloud versions.

QuickBooks logo

Quickbooks Online – Provides a cloud based version of their previous product, QuickBooks.

MYOB logo

MYOB – An Australian company originally offering desktop accounting software, now offers several subscription-based cloud accounting products, including both desktop and cloud versions of their product.

XERO logo

Xero – A New Zealand based software company that offers cloud-based accounting software for small to medium-sized businesses.

Start getting the support you need and book a consultation with one of our team members today. Call us on (03) 9826 3933 or make an enquiry via email at hello@cradvisory.com.au and one of our staff will get back to you as soon as possible.

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Xero Integration

We have a team of Xero certified advisors. Our experts can help you transition into Xero from other softwares and help implement best business practices if already in Xero.

Xero - Accounting Software

Popular features that will change your life. Accounting software with all the time-saving tools you need to grow your business. Xero is always secure and reliable and our experts are here to support you 24/7.

Features to run every part of your business

Small business accounting software that’s beautifully simple

Explore features like invoicing, payroll, reporting and more. Xero small business accounting software has all you need to manage your numbers effortlessly.

GET A REAL-TIME VIEW OF YOUR CASH FLOW

Log in online anytime, anywhere on your Mac, PC, tablet or phone to get a real-time view of your cash flow. It’s small business accounting software that’s simple, smart and occasionally magical.

XERO INTEGRATES WITH 700+ BUSINESS APPS

Why Xero?

Xero’s online accounting software is designed to make small business easier. See how we can help you take control of the numbers, so you can get back to what you do best.

Xero can automatically handle tasks that used to take up all of your time. From importing bank transactions to sending invoice reminders, we’ll do the work for you.

Do business from anywhere, on any device

It’s easy to access all your data and Xero tools from anywhere – just connect to the internet. Plus, keep all your essentials like invoicing and payroll at your fingertips with Xero’s Mobile App.

Whether you’ve been in business for years or this is your first small business, try Xero now and see how online accounting software can make running a business more beautiful.

Start getting the support you need and book a consultation with one of our team members today. Call us on (03) 9826 3933 or make an enquiry via email at hello@cradvisory.com.au and one of our staff will get back to you as soon as possible.

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Mortgage Broking

Are You Confused By The Multitude of Mortgage Choices?

The word mortgage come from a French word ‘mort’ meaning ‘death’ and ‘gage’ meaning ‘pledge or agreement’ so ‘agreement till death’. For most of us mortgages are a necessary debt which we seem a life time to pay. The cost of owning a house for most Australians steals away their dream for a good retirement. Unfortunately most of us are married to our mortgages and have no solution as to how to pay it off faster.

We have been conditioned to focus on the interest rate rather than being educated on how to pay less in interest. A good broker is one who is proactive and can tell you how much can on ‘leverage’ to maximise your current position. Unfortunately with mortgages, there is no one size fit all.

The CR Advisory team is dedicated to find you the best solution. We pride ourselves on our industry knowledge as we ourselves have mortgages, investments and can advise you with personal experience. Our experience ranges from residential mortgages to chattel lending and our team is confident that we will find you a solution for you. Unlike most business we are not jack of all trade as we engage other independent mortgage broker to keep up with industry knowledge and product range.

Start getting the support you need and book a consultation with one of our team members today. Call us on (03) 9826 3933 or make an enquiry via email at hello@cradvisory.com.au and one of our staff will get back to you as soon as possible.

Contact Us

Accounting Videos

Secure File Transfer is a facility that allows the safe and secure exchange of confidential files or documents between you and us.

Email is very convenient in our business world, there is no doubting that. However email messages and attachments can be intercepted by third parties, putting your privacy and identity at risk if used to send confidential files or documents. Secure File Transfer eliminates this risk.

Login to Secure File Transfer, or contact us if you require a username and password.

General Calculators

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Useful Links

Tax Resources
Finance
Business
News
Banks
Accounting Software