Service Finder: How We Can Help | Everglow Prosperity
Everglow Prosperity 璀璨盛世财税事务所 logo
Everglow Prosperity 璀璨盛世财税事务所 logo
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Service Finder

Tell us where you are.
We’ll show you how we can help.

Two quick questions, about a minute. No names and no forms, just a clear view of the help that fits your stage of life or business, and why it could matter to you.

Start →Call 1300 913 929

Step 1

Which sounds most like you?

Choose one.

Step 2

What’s on your mind right now?

Choose as many as you like.

Your results

Here’s how we could help

Based on what you told us, here are the areas worth exploring. This is general information to help you see your options; we confirm what really suits you once we understand your situation.

You told us:

Wondering about cost?

Our fees are clear and agreed with you in writing before any work starts.

Fees & Packages →Advice Fee Estimate →

Want a copy, or a call?

Optional. Leave your details and we’ll email you these results, or one of our team will call you to talk them through. No obligation.

Please don’t include tax file numbers or bank details.

All services

Every way we can help

Tax & Accounting

Personal tax returns and tax planning

How we can help

  • Prepare and lodge your tax return, with every deduction and offset you’re entitled to
  • Plan before 30 June, not just after it, so there are fewer surprises
  • Deal with the ATO for you, including letters, reviews and payment plans
  • Keep your super, investments and property in view so your tax picture stays joined up

The benefits for you

  • Keep more of what you earn, always within the rules
  • Peace of mind that your return is right and your records will stand up if the ATO asks
  • Time back: we do the work, you review and sign

Things you need to know

  • We can only claim what the law allows and what your records support.
  • Your refund or tax bill depends on your own situation, so we can’t promise a particular outcome.
  • You remain responsible for giving us complete and accurate information.

Why Everglow: Registered tax agents with CPA and Chartered Accountant team members, in English and Mandarin.

How we deliver this →Learn more about Tax & Accounting →

Tax & Accounting

Business accounting, tax and compliance

How we can help

  • BAS, IAS, payroll and Single Touch Payroll, done on time
  • Company, trust and partnership tax returns and financial statements
  • Xero and MYOB set-up, clean-up and bookkeeping review
  • Year-round tax planning for you and your business together

The benefits for you

  • Fewer penalties and less late-lodgement stress
  • Clear, up-to-date numbers you can actually use
  • More time to run your business

Things you need to know

  • Good results depend on good records; we’ll show you what to keep and how.
  • ATO lodgement dates are fixed, so some work has deadlines that can’t move.
  • We work best with cloud accounting software, and can help you move if it makes sense.

Why Everglow: Long experience with businesses across industries, and with Xero, MYOB and industry systems.

How we deliver this →Learn more about Tax & Accounting →

Financial Planning

Financial planning for your stage of life

How we can help

  • Get clear on your goals and the timeline for each one
  • Build one plan that brings together your cash flow, super, investments, debt and tax
  • Show you options you may not have known about, with the pros, cons and costs of each
  • Do it for you: we handle the paperwork, applications and follow-ups to put the plan in place
  • Review it regularly as your life, the markets and the rules change

The benefits for you

  • More certainty about reaching the goals that matter to you
  • Decisions made with the whole picture in view, not one product at a time
  • Less time and worry managing it all yourself
  • A plan that works hand in hand with your tax, because your adviser and accountant sit together

Things you need to know

  • All investments carry risk, and past returns don’t guarantee future returns.
  • Personal advice starts with understanding your situation. Before you decide, you receive a written Statement of Advice explaining our recommendations, the risks, the costs and the alternatives.
  • You stay in control: nothing happens without your approval.

Why Everglow: Led by Panbo Ye, CFP®, FCPA and SMSF Specialist Advisor™.

How we deliver this →Learn more about Financial Planning →

Financial Planning

Super, SMSF and retirement

How we can help

  • Work out when you could retire and the income you could live on
  • Contribution strategies, including catch-up concessional contributions where you’re eligible
  • Turn super into a retirement income, and check your Age Pension entitlements
  • Advice on whether an SMSF suits you, and help running one if it does

The benefits for you

  • More confidence about the years after work
  • Potentially more tax-effective income in retirement
  • Fewer costly mistakes with contribution caps and timing

Things you need to know

  • Super contributions are limited by caps, and going over them can cost you extra tax.
  • Super and Centrelink rules change over time; we review your plan as they do.
  • An SMSF isn’t right for everyone: it comes with trustee duties, costs and time.

Why Everglow: An SMSF Specialist Advisor™ and SMSF accountants in one team, so planning and paperwork happen together.

How we deliver this →Learn more about Retirement Planning →

Financial Planning

Personal insurance to protect your family and income

How we can help

  • Work out how much life, TPD, income protection and trauma cover you need
  • Review the cover you already have, inside and outside super
  • Help you apply, and stand beside you if you ever need to claim

The benefits for you

  • Your family is looked after if something happens to you
  • You avoid paying for cover you don’t need, or gaps you didn’t know about
  • Support at claim time, when it matters most

Things you need to know

  • Premiums usually rise with age, and cover has terms, conditions and exclusions.
  • Insurers assess your health and may limit or decline cover.
  • Never cancel existing cover until new cover is confirmed in place.

Why Everglow: Insurance advice is part of your whole plan, not a product sold on its own.

How we deliver this →Learn more about our Insurance Philosophy →

Home & Business Loans

Home loans, investment loans and refinancing

How we can help

  • Compare options from a range of lenders for your purchase, investment or refinance
  • Check whether your current loan is still competitive, and whether switching is worth it
  • Structure the loan with your accountant, using offsets and splits where they help
  • Handle the application and paperwork through to settlement

The benefits for you

  • Potentially a lower interest rate or lower monthly repayments
  • Better cash flow for the rest of your plans
  • A loan structure that suits your tax position and long-term goals, not just today’s rate

Things you need to know

  • A lower rate doesn’t always mean a lower total cost: switching can involve break costs, discharge and application fees, and possibly lenders mortgage insurance.
  • Lowering repayments by extending your loan term usually means paying more interest overall.
  • All loans are subject to lender approval, terms and conditions. We tell you how we’re paid before you proceed.

Why Everglow: We plan the loan with your accountant and adviser, then introduce a broker we have vetted, so tax is considered from the start.

How we deliver this →Learn more about Home & Business Loans →

Business Advisory

Business advisory

How we can help

  • Cash-flow forecasts, budgets and the few numbers that really drive your business
  • Business structure reviews to protect assets and plan tax
  • Profit improvement, pricing and growth planning, with regular check-ins
  • Industry know-how, including medical practices and independent supermarkets

The benefits for you

  • Better decisions, made with clearer numbers
  • Spot cash-flow pressure early, before it becomes a problem
  • Room to grow profit and business value over time

Things you need to know

  • Forecasts are estimates, and real results will differ.
  • Changing structure can trigger tax or stamp duty costs; we weigh these up before recommending anything.

Why Everglow: Our founder’s background spans CFO work, business restructuring and supermarket retail, so we understand operations as well as the numbers.

How we deliver this →Learn more about Business Advisory →

Corporate Advisory

Selling, succession and raising capital

How we can help

  • Plan a sale, succession or step back, ideally two to three years ahead
  • Valuation support, due diligence and deal structuring
  • Capital raising and fund structures for fund managers and AFSL holders
  • Tax planning for your exit, including small business CGT concessions where you qualify

The benefits for you

  • The best possible price and terms for your situation
  • Fewer surprises in due diligence
  • A smoother handover for your family, team and clients

Things you need to know

  • Market conditions affect what a buyer or investor will pay.
  • Small business CGT concessions have strict eligibility tests; starting early gives you more options.

Why Everglow: Accounting, tax, planning and fund-governance experience in one team; Panbo Ye also serves as an independent board member for a fund manager.

How we deliver this →Learn more about Corporate Advisory →

Audit & Assurance

Audit and assurance

How we can help

  • SMSF audits
  • Solicitors’ trust account audits for Law Society members
  • Not-for-profit and charity audits and reviews
  • Company and other statutory audits

The benefits for you

  • Meet your obligations on time
  • Independent assurance for members, boards, funders and regulators
  • Clear, practical findings you can act on

Things you need to know

  • Independence rules mean we can’t audit where we also provide certain other services to you; we check this before we start.
  • An audit gives reasonable, not absolute, assurance.

Why Everglow: Chartered Accountants and CPAs with long experience auditing trust accounts and not-for-profits.

How we deliver this →Learn more about Audit & Assurance →

Business Support

Business Support for marketing, systems and admin

How we can help

  • Marketing and websites
  • Digital systems and automation
  • Administrative support

The benefits for you

  • One trusted team for your numbers and your operations, all in-house
  • Less admin, more time with your clients
  • Systems that connect with your accounts, so information is entered once

Things you need to know

  • Each project is scoped and agreed with you before we start.
  • You keep ownership of your accounts, content and data.

Why Everglow: Most accounting firms don’t offer this. Ours is delivered by our own team, never outsourced.

How we deliver this →Learn more about Business Support →

Cross-border Tax

Cross-border tax and moving to Australia

How we can help

  • Work out your tax residency and what Australia taxes
  • Overseas income, assets and foreign income tax offsets
  • Plan money transfers, property and investments across borders
  • A team that speaks English and Mandarin

The benefits for you

  • Avoid paying tax twice where the rules allow
  • Settle in with your tax, super and banking set up properly from the start
  • One team that understands both sides

Things you need to know

  • Tax residency turns on your own facts and can be complex.
  • You may have reporting obligations for overseas assets and income.
  • We advise on Australian rules and work with your overseas advisers on foreign law.

Why Everglow: Offices in Chatswood, Adelaide and Shanghai, with deep experience across Australia and China.

Learn more about New to Australia →

One team

Why one team works better

Around one table

Your accountant and financial adviser work together under one roof, and bring in a trusted broker when you need a loan, so every decision is made with the whole picture in view.

Tell your story once

With your permission we share what we know across the team, so you don’t repeat yourself or act as the go-between.

Objective by design

We explain the benefits, the risks and the costs, and we’ll tell you plainly if a service isn’t right for you yet.

Let’s talk about your situation

Book a first meeting at our Chatswood office or online, in English or Mandarin. There’s no obligation, just a clear conversation about where you are and where you want to go.

Book a first meeting →Call 1300 913 929Mobile 0405 913 913

This page is general information only and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you and seek personal advice before making a decision.

Tax and accounting services are provided by Everglow Accounting Pty Ltd and Kam & Beadman Pty Ltd, registered tax agents. Liability limited by a scheme approved under Professional Standards Legislation.

Financial advice is provided by Everglow Wealth Pty Ltd (trading as Everglow Prosperity), Corporate Authorised Representative No. 1254987 of PGW Financial Services Pty Ltd (AFSL 384713). Please read our Financial Services Guide before acting.

Everglow does not provide credit assistance for these loans. Credit assistance is provided by the broker we introduce you to, under their own Australian Credit Licence or credit representative authority. All loans are subject to lender approval, terms, conditions and fees.

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