About Geoff Gartly

Geoff Gartly CA is an experienced Australian chartered accountant and business adviser who works with small business owners, families and individuals on practical tax, accounting, structuring and advisory issues. Through Gartly Advisory, he focuses on helping clients understand their numbers, make better business decisions, manage compliance obligations, and plan ahead with confidence. His work often sits at the intersection of tax, business improvement, succession, SMSFs, estate planning and asset protection. Geoff’s style is practical and plain-English: he aims to turn complex financial and tax matters into clear options, so clients can make informed decisions about their business, wealth and future.

Understanding Profit and Loss Statements: A Guide for Melbourne and Sydney Business Owners

By |2026-05-15T13:38:14+10:0003/04/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

Why does your business bank account show a healthy balance when your tax return suggests you're barely breaking even? If you've ever felt blind to...

Best Accounting Software for Small Business Australia in 2026

By |2026-06-29T13:14:48+10:0002/04/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , , |

What if the hours you spend wrestling with manual data entry are actually the biggest hidden cost in your business? Most Australian owners we speak...

BAS Lodgement Help Melbourne: Stress-Free GST & Tax Compliance for SMEs

By |2026-05-15T14:07:47+10:0002/04/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

Last Tuesday, a small business owner in South Melbourne sat at their kitchen table at 11:00 PM, staring at a pile of crumpled receipts and a digital...

Is Your Business Running You? A Story About Gaz and his business

By |2026-03-31T19:59:13+11:0030/03/2026|Categories: Accounting & Business Insights, Exit Planning|

It’s a beautiful, sunny weekend on the Gold Coast. The kind of day that begs you to down tools, grab a board, and head for the surf. But Gaz is in his factory, as always. Alone. The roller door is half up, the machines are humming, and orders are being pumped out one after another. On paper, Gaz is a success story. You may remember, Gaz, we sent a video a week ago Gaz's mate wanting to play golf with him. Gaz runs a good business, so he thinks, but look a little closer at his business operations. Everything revolves [...] READ MORE

Financial Forecasting for Startups in Melbourne: Your 2026 Guide to Growth and Runway

By |2026-05-15T14:08:03+10:0026/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

According to data from the Australian Bureau of Statistics, 60% of small businesses fail within their first three years, and for Melbourne startups,...

Growing a Small Manufacturing Firm in Australia: The 2026 Strategic Guide

By |2026-05-15T14:08:08+10:0024/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

Your deep expertise on the workshop floor, the very skill that launched your business, might now be the biggest obstacle to its growth. It’s a...

Payroll Tax Help Victoria: A Strategic Guide for Growing Businesses in 2026

By |2026-05-15T14:07:52+10:0019/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

Last quarter, a thriving Melbourne marketing agency celebrated hitting A$1.2 million in annual wages, a huge milestone for their growing team. Their...

How to Minimise Capital Gains Tax on Business Sale: A 2026 Guide for Australian Owners

By |2026-05-15T14:07:41+10:0017/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

After decades of pouring your heart, soul, and savings into your business, the idea of handing up to 47% of its final sale price to the Australian...

Business Structure Advice: Sole Trader vs Company (2026 Australian Guide)

By |2026-05-15T13:38:33+10:0017/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , |

The simplest business structure might actually be your most expensive mistake once your annual profit climbs past A$120,000. While starting as a sole...

Registering for GST in Australia: A Strategic Guide for Small Businesses (2026)

By |2026-05-15T14:07:46+10:0012/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

What if registering for GST wasn't just another box to tick on your compliance checklist, but a powerful tool for improving your cash flow? It's a...

Is an SMSF Right for Me? A 2026 Australian Self-Assessment Guide

By |2026-05-15T14:07:36+10:0010/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

The idea of a Self-Managed Super Fund (SMSF) is appealing-complete control over your retirement savings, greater investment choice, and tailored...

How to Improve Business Profitability: A Strategic Guide for Melbourne SMEs in 2026

By |2026-05-15T14:07:57+10:0005/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , |

According to a 2024 report from the Australian Bureau of Statistics, operating costs for Victorian businesses surged by 7.8% over the last financial...

Tax Planning Strategies for SMEs in Australia: A 2026 Growth Guide

By |2026-03-18T01:07:45+11:0005/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , , |

For many dedicated small and medium-sized business owners, the end of the financial year can feel less like a milestone and more like a minefield....

Your Guide to Running a Profitable Small Manufacturing Business in Australia (2026)

By |2026-05-15T18:07:29+10:0004/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

You have a passion for creating exceptional products, but the day-to-day financial realities of running a small manufacturing business in Australia...

SMSF Setup Cost Australia 2026: The Complete Breakdown

By |2026-05-15T18:07:24+10:0003/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , |

Thinking about taking control of your super with an SMSF, but find yourself hesitating over the costs and complexity? You're not alone. Understanding...

7 Key Benefits of a Chartered Accountant for Your Business (2026)

By |2026-05-15T18:07:19+10:0002/03/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

As a business owner, you understand the importance of sound financial management. But as you navigate complex decisions around growth, tax planning,...

What Does a Business Advisor Do? A Guide for Australian Business Owners

By |2026-05-15T18:07:14+10:0027/02/2026|Categories: Accounting & Business Insights|Tags: , , , , , , |

As an Australian business owner, you wear many hats. But when you're caught up in daily operations, it's easy to feel like your growth has stalled...

How to Choose the Right Small Business Accountant: A Complete Guide

By |2026-05-15T17:08:32+10:0026/02/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

As a small business owner, you wear many hats. But when it comes to your finances, the hat of 'accountant' can feel particularly heavy. The fear of...

How Much Should I Pay for an Accountant in Australia? (2026 Guide)

By |2026-05-15T17:08:27+10:0025/02/2026|Categories: Accounting & Business Insights|Tags: , , , , , , |

Trying to find the right accountant can feel overwhelming. You're faced with a confusing mix of quotes, different pricing models, and that nagging...

Business Succession Planning Melbourne: A Complete Guide for Owners

By |2026-05-15T17:08:22+10:0024/02/2026|Categories: Accounting & Business Insights|Tags: , , , , , , |

For decades, you've poured your heart and soul into building your Melbourne business. It's more than just an asset; it's your life's work. As you...

Estate Planning for Business Owners: A Complete Guide to Protecting Your Legacy

By |2026-05-15T17:08:16+10:0023/02/2026|Categories: Accounting & Business Insights|Tags: , , , , , , |

As a business owner, the line between your personal life and the company you’ve poured everything into is often blurred. Your assets are intertwined,...

The Hidden Costs of Buying a Franchise

By |2026-02-23T09:00:40+11:0023/02/2026|Categories: Franchise Advice|Tags: , , |

The Additional Funds You Need Before Launch Buying a franchise can cost far more than the headline number in the brochure. Many prospective business owners focus on the franchise fee and the fit-out costs. But the hidden costs of buying a franchise often emerge after you sign the agreement — and that’s where financial pressure truly begins. If you're considering franchise ownership, understanding the real startup costs before launch is critical to protecting your capital and your confidence. “It’s a Proven System…” — But It Still Requires Funding Franchisors quite rightly say they provide a system that works. In most cases, [...] READ MORE

Property Investment Accountant Melbourne: A Guide to Maximising Your Returns

By |2026-05-15T17:08:11+10:0020/02/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

Navigating Melbourne's property market is an exciting journey, but it comes with significant financial complexities. Are you confident your portfolio...

Franchise Accounting Services Victoria: Your Expert Guide

By |2026-05-15T17:08:06+10:0019/02/2026|Categories: Accounting & Business Insights|Tags: , , , , , , |

The dream of owning a franchise can be powerful: a proven business model, instant brand recognition, and a clear path to success. Yet, beneath the...

ATO Audit Help for Melbourne Businesses: Your Guide to a Stress-Free Resolution

By |2026-05-15T17:08:00+10:0018/02/2026|Categories: Accounting & Business Insights|Tags: , , , , , , , |

Few things can disrupt a business owner's day quite like a formal notice from the Australian Taxation Office (ATO). The immediate feeling of dread,...

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