Business Partners

Meet Shane, our skilled affiliated mortgage broker, your trusted guide to homeownership. With deep expertise and personalized service, Shane navigates the complexities of mortgages to secure tailored financing solutions. From analysing your financial situation to negotiating competitive rates, Shane will empower you to make informed decisions and turn your homeownership dreams into reality.

Carl is an exceptional financial planner who is dedicated to guiding you towards your financial goals. With expertise in investments, savings, tax planning, and risk management; Carl creates personalised financial roadmaps. With over 20 years of experience and a commitment to your success, Carl will provide you with tailored solutions for both short-term stability and long-term growth.

With more than 11 years of experience, Rachel works with you to design a solid financial plan that you can stick to. Rachel manages and monitors everything so that following through with your financial plan is effortless. Rachel’s services include: setting goals, investing, property, tax, super & retirement, insurance, estate planning; along with budget, banking, spending & saving.

Natalia Clack is an award-winning expert in SMSF and founder of Easy Super. With 20 years of experience in tax and accounting, Natalia is dedicated to providing exceptional services such as SMSF establishment, tax and compliance, strategic advice, audits, and more. Her commitment to excellence has earned her prestigious awards in the industry. Visit smsfconsulting.com.au to learn more about Natalia Clack and the award-winning services she offers.

James is a skilled financial adviser specialising in high income families & retirees.
Well known for his detailed plans and strategies, James keeps his instagram account regularly updated with interesting tips and videos for those looking to create a clear and thorough retirement plan.

Melanie is the Director of T&E Accounting a specialised trust and estate accounting firm delivering taxation services for deceased estates and special disability trusts.

Melanie and her team deliver the right services at the right time for the right reasons for the benefit of all involved.

With more than 20 years of experience, Garreth is a skilled finance and mortgage broker who provides quality credit assistance to first home buyers, investors and business owners. Based in Sydney’s Inner West, Garreth’s main goal is to help as many Australians as possible achieve their financial objectives.

Unlocking peace of mind and financial security, skilled estate planner; Lucy Percy is dedicated to helping you navigate the complex world of estate planning. With a meticulous eye for detail and a deep understanding of legal intricacies, her company Head & Heart Estate Planning provides comprehensive services to safeguard your assets and legacy.

Meet Tyron, the CEO of Washington Brown. With over 20 years of experience, Tyron is considered one of Australia’s leading quantity surveyors, specialising in construction cost advice and property tax depreciation. Tyron is regularly called upon to contribute to various publications and he is also a registered tax agent. At Freshwater, we refer all our rental property clients seeking a rental property depreciation report to Tyron’s company, Washington Brown.

Kevin and his company Duo Tax specialise in preparing depreciation schedules for residential and commercial property investors. Kevin offers a substantial discount on his services for all Freshwater clients while providing an exceptionally thorough and personal service. Kevin and his team also specialise in property valuation reports for capital gain tax and self-managed superannuation funds.

Mia is a compassionate strategist with a wealth of knowledge. When she’s not assisting clients, you’ll find her samba dancing or spending time with her two gorgeous fur babies.

Founder and CEO of Her Lawyer, Courtney’s mission is to change the face of law with a fresh approach that partners with women in business and delivers on their legal needs collaboratively with cost certainty and always in plain English. Courtney is driven by a desire for equality and she works hard to help her clients achieve financial independence through business. Along with her technical skills and experience in commercial law, Courtney’s clients value her empathy, honesty and straightforward advice. Passionate about innovation, business and equality, Courtney has been recognised by the Lawyers Weekly 30Under30 Awards and Telstra Business Women’s Awards for her contributions in these areas.

Ian, the founder of Progressive Legal, and his law firm offer online legal services to clients throughout Australia. They prioritise swift service, transparent fixed fees, and affordable legal guidance from seasoned professionals.
Progressive Legal specialises in assisting burgeoning businesses by providing practical fixed-rate options and providing free quotes without any obligations. Their approach centres on open and efficient communication, and unlike some other law firms that demand upfront trust funds before initiating work, Progressive Legal completes the necessary work first and offers flexible payment plans to align with your financial situation. If you’d like to learn more, don’t hesitate to reach out to Ian and his team.

A registered auditor and tax agent, Jack graduated from university in 1974. In 1983, Jack opened his practise on the Northern Beaches of sydney providing a variety of services including auditing, business services, self-managed super and financial planning. Jack and Sarah first crossed paths in 2013 when Jack assisted on the annual audit for their mutual non-profit client, and they have been friends ever since. Jack has a solid reputation as the auditor of choice across the Northern Beaches of Sydney and beyond.

Bradley is an Australian tax advisor and tax lawyer with 15 years tax experience gained working in Australia and London and an expat himself. Bradley is also registered as a UK Lawyer in the UK. Bradley’s experience most recently includes working as a Director with Deloitte tax. Prior to this, Bradley worked with KPMG and in the in-house tax team of Qantas Airways. Bradley’s clients include Australian and international businesses, individuals and families.

Principal at Australia’s largest research & development tax incentive firm, Swanson Reed; Damian specialises in processing R&D claims – which he helps do for over 1500 Australian companies annually. The R&D Tax Incentive provides a tax offset to eligible companies that engage in R&D activities in Australia. The offset is available to companies of all sizes and across all sectors of the economy. For more information including the eligibility of your business, visit our blog post; or get in touch with Damian directly.

Apex Novated Solutions is a provider of novated leasing to businesses and employees. Under a novated lease arrangement, the employer takes over the lease obligations from the employee, and the lease payments are typically made from the employee’s pre-tax income, potentially reducing their taxable income. For more information visit the Apex Novated Solutions website or download our Novated Leasing Brochure.

Estelle specialises in providing a range of finance options to our clients including: personal loans, commercial loans, car loans, construction loans as well as mortgages. Estelle ensures that this process is seamless, while ensuring that ultimate / long-term goals are always kept in clear focus. Estelle is a member of the Mortgage and Finance Association of Australia (MFAA) and she has completed her Diploma of Finance & Mortgage Brokering. Originally from France, Estelle speaks fluent French and in her spare time she enjoys spending time with her family, hitting the beach, and listening to podcasts.