All of our team avatars are custom made to resemble the actual team member and are copyright for exclusive use by Freshwater Tax Pty Ltd.
Our founding director Sarah began her accounting career in 2003 when she worked for a small firm on Sydney’s northern beaches. From here she spent some time working in commercial accounting, before realising her passion for small business and moving back into the world of tax spending a number of years working in a BRW top 100 accounting firm based in the Sydney CBD. In 2012 after Sarah had completed the CPA program; Sarah decided to go out on her own and Freshwater Taxation was created.
Our amazing and incredibly organised and hard-working practise manager Kate, joined our team back in 2016. At the time, she was heavily pregnant- a minor detail that she failed to disclose for fear of not being hired on the job! Kate ended up giving birth to her daughter, only a few weeks after Sarah gave birth to her second daughter; and Sarah didn’t find out; until both children were 6 months old and stories of sleepless nights were compared. “It’s hard work isn’t it, I have a baby too by the way!”
Ann has a special interest in helping new sole traders and side-hustlers grow to become successful, booming small businesses. With 10 years of experience in accounting, taxation and bookkeeping; Ann is dedicated to showing as many Australians as possible that setting up and running a successful small business can be far easier than you’d imagine with the correct planning and systems in place.
Stephen is a Chartered Accountant with over 20 years of Australian taxation experience. From the South of Sydney, Steve specialises in personal and small business tax with a special interest in new business setups and business structures. Steve has a passion for developing close relationships with his clients and helping as many Australians as possible understand the details of their income tax returns and tax situations generally.
Anthony is an experienced tax professional with a demonstrated history of working in the management consulting industry. Skilled in Tax Compliance, Tax Consulting, Data Analysis, Corporate Tax, Tax Accounting, and Income Tax. Anthony specialises in – and really enjoys- providing tax services to small to medium enterprises.
Adrian understands the struggles of being an entrepreneur all too well, which is why he’s dedicated to streamlining the financial affairs of as many small business owners as possible!
With 15 years of tax experience, Adrian’s main goal is to revolutionise the lives of Australian entrepreneurs, proving that tax, bookkeeping and accounting really can be a breeze once you’re properly organised!
Fluent in Vietnamese and a numbers person through and through, Mindy began her career tutoring maths to high school students while she was studying her bachelor of commerce majoring in accounting. Highly skilled in Xero and Quickbooks, Mindy assists both our personal and small business clients with their accounting, bookkeeping and income tax affairs. When she isn’t crunching the numbers Mindy can be found reading, cooking and spending time with her family.
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.
Business lawyer at Her Lawyer, Isabel is passionate about making an impact in women’s lives by working with value aligned clients in small to medium-sized business, social enterprise, and not-for-profit organisations. Isabel loves to teach her clients what she knows about commercial law, nerding out on contract design to bring her clients clear and easy-to-understand contracts with plenty of white space, plain English and complex legal concepts broken down using icons, infographics and pictures. Isabel understands the value of getting practical advice that aligns with business objectives and she prides herself on giving her clients advice and documents that can fit seamlessly within their business.
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.
Our founding director Sarah began her accounting career in 2003 when she worked for a small firm on Sydney’s northern beaches. From here she spent some time working in commercial accounting, before realising her passion for small business and moving back into the world of tax spending a number of years working in a BRW top 100 accounting firm based in the Sydney CBD. In 2012 after Sarah had completed the CPA program; Sarah decided to go out on her own and Freshwater Taxation was created.
Ann has a special interest in helping new sole traders and side-hustlers grow to become successful, booming small businesses. With 10 years of experience in accounting, taxation and bookkeeping; Ann is dedicated to showing as many Australians as possible that setting up and running a successful small business can be far easier than you’d imagine with the correct planning and systems in place.
Stephen is a Chartered Accountant with over 20 years of Australian taxation experience. From the South of Sydney, Steve specialises in personal and small business tax with a special interest in new business setups and business structures. Steve has a passion for developing close relationships with his clients and helping as many Australians as possible understand the details of their income tax returns and tax situations generally.
Anthony is an experienced tax professional with a demonstrated history of working in the management consulting industry. Skilled in Tax Compliance, Tax Consulting, Data Analysis, Corporate Tax, Tax Accounting, and Income Tax. Anthony specialises in – and really enjoys- providing tax services to small to medium enterprises.
Adrian understands the struggles of being an entrepreneur all too well, which is why he’s dedicated to streamlining the financial affairs of as many small business owners as possible!
With 15 years of tax experience, Adrian’s main goal is to revolutionise the lives of Australian entrepreneurs, proving that tax, bookkeeping and accounting really can be a breeze once you’re properly organised!
Fluent in Vietnamese and a numbers person through and through, Mindy began her career tutoring maths to high school students while she was studying her bachelor of commerce majoring in accounting. Highly skilled in Xero and Quickbooks, Mindy assists both our personal and small business clients with their accounting, bookkeeping and income tax affairs. When she isn’t crunching the numbers Mindy can be found reading, cooking and spending time with her family.
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.
Our founding director Sarah began her accounting career in 2003 when she worked for a small firm on Sydney’s northern beaches. From here she spent some time working in commercial accounting, before realising her passion for small business and moving back into the world of tax spending a number of years working in a BRW top 100 accounting firm based in the Sydney CBD. In 2012 after Sarah had completed the CPA program; Sarah decided to go out on her own and Freshwater Taxation was created.
Our amazing and incredibly organised and hard-working practise manager Kate, joined our team back in 2016. At the time, she was heavily pregnant- a minor detail that she failed to disclose for fear of not being hired on the job! Kate ended up giving birth to her daughter, only a few weeks after Sarah gave birth to her second daughter; and Sarah didn’t find out; until both children were 6 months old and stories of sleepless nights were compared. “It’s hard work isn’t it, I have a baby too by the way!”
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.
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.
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.
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.
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.
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.
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.
Business lawyer at Her Lawyer, Isabel is passionate about making an impact in women’s lives by working with value aligned clients in small to medium-sized business, social enterprise, and not-for-profit organisations. Isabel loves to teach her clients what she knows about commercial law, nerding out on contract design to bring her clients clear and easy-to-understand contracts with plenty of white space, plain English and complex legal concepts broken down using icons, infographics and pictures. Isabel understands the value of getting practical advice that aligns with business objectives and she prides herself on giving her clients advice and documents that can fit seamlessly within their business.
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.
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.
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