Full service financial solutions for individuals, businesses and farmers.
Helping you achieve financial security.
Mulcahy & Co is your hub for professional accounting, taxation, financial planning, legal, loans and finance and marketing services.
For more than two decades we have provided specialised, personal services for businesses, farmers, individuals and retirees.
We celebrate 27 years in business in 2025.
Our goal is to provide a specialised range of personalised taxation and financial services for small and medium-size businesses, farmers, wage and salary earners and retirees.
Mulcahy & Co offer a range of services. The current services have been developed through a solid understanding of the needs and environments in which our clients operate and have been tailored to help their clients make the most of every opportunity while minimising risk...
Our Services
Accounting
Accounting and taxation is about so much more than compliance. We provide accounting and taxation services, advice and support to ensure you get the best value for your dollar.
Find out more about our Accounting Services.
Agribusiness
With our team being around farming all of their lives, we are focused on helping farmers achieve financial security.
Find out more about our Agribusiness Services.
Bookkeeping
We offer an Australia-wide, online bookkeeping services through our subsidiary business Evolve Online Bookkeeping.
Find out more about our Mulcahy & Co Bookkeeping Services.
Financial Planning
Our completely independent financial planning team is licensed directly with the Australian Securities & Investment Commission.
Find out more about Mulcahy & Co Financial Planning.
Legal Services
Our friendly team of solicitors can provide expert advice and guidance when it comes to any law matters.
Find out more about our Mulcahy & Co Legal Services.
Lending
Whether you need business lending , you’re an individual, business or an investor, we specialise in obtaining the best loan and financial structure for your particular situation.
Find out more about Mulcahy & Co Lending.
Marketing
Offering complete marketing, digital and graphic design services, we help you develop a strong brand identity and marketing strategies to best engage your target market.
Find out more about our Marketing Services.
Financial Security
We all want financial security. Whether you're looking to maximise your financial position, or become financially secure, we can help you get there.
Find out if you are financially secure.
Click the services on the wheel to find out more
- Goals and objectives Picture yourself in 10 years time... Where do you want to be? How are you going to get there? Being clear on your goals and objectives ensures you can develop a strategy to achieve them.
- Estate plan Only assets owned in your name are covered by your will. Your Estate Plan protects your family from the potential threats that your ill does not.
- Risk plan Your Risk Plan addresses whether you need to save or insure to protect your family's financial security in the event of an injury, accident or death.
- Asset protection plan An Asset Protection Plan makes sure your assets are owned in the right names or entities so you limit the risk of them being exposed to creditors.
- Taxation plan A Taxation Plan structures your affairs so that you legally pay the least amount of tax and retain more of your income.
- Debt plan A Debt Plan ensures your assets aren't over exposed to debt and structures your debt to maximise tax deductibility of the interest.
- Retirement plan Retirement is setting the date when you can choose to stop work. Your Retirement Plan details the income and assets you need (in addition to superannuation) to retire and outlines the steps to get there.
- Business plan Your business value is the one asset or investment that you have full control over. How does the business cashflow, profitability and end value fit with your overall plan? Review the 10 characteristics of what makes a great business to help your business reach its full potential.
- I.T. plan Your data, your email, your devices – they play a key role in the smooth running of your business. Backups, workflow and ongoing maintenance of technology can be a game changer.
- Marketing plan Promoting your business to potential clients has many working parts. Generating enquiry and building your brand is key to your business success.
- Superannuation plan Many people miss out on the enormous tax benefits of superannuation. A Superannuation Plan will ensure you have a strategy to produce greater wealth at retirement.
- Investment plan An Investment Plan will increase your asset base, while focusing on preserving your capital and managing your risks, to meet your personal and financial goals.
Latest News
The government has announced it will make some practical changes to its proposed tax changes for people with large super balances (over $3 million) that will now take effect from 1 July 2026.
Big changes are on the way for aged care, with new rules starting from 1 November 2025. While these changes aim to create a more sustainable and fairer system, they do bring added complexity — especially when it comes to understanding the fees and making the right financial decisions. Here are the five key things you need to know: 1. Aged care will cost more - but is still subsidised If you or a loved one is moving into residential aged care from 1 November 2025, the amount you’ll need to contribute will be higher. That said, the Government will continue to fund a large share of care costs - around 73% on average. But it will be important to consider your cashflow. 2. Expect new terminology and fee calculations The language is changing. Instead of the current “means-tested care fee,” you’ll now see new names like Hotelling Contribution and Non-Clinical Care Contribution. How much you are asked to pay will still be based on your income and assets, but new formulae may result in higher contributions than under the current rules. 3. Lifetime caps remain – but at a higher level A lifetime cap will continue to apply to limit how much you can be asked to pay as a non-clinical care contribution over your total stay in residential care. This cap is increasing to $130,000, but with a new safeguard, that no matter how much you pay, you will only need to pay this fee for a maximum of four years. This helps ensure fairness between residents with different levels of wealth. 4. Retention amounts are being reintroduced If you choose to pay a lump sum for your room (known as a refundable accommodation deposit - RAD), aged care providers will deduct a “retention amount” of up to 2% per year (capped at 10% over five years). While this increases the cost slightly, it may still be better value than paying the daily accommodation payment. 5. Good advice can prevent costly mistakes Navigating these new rules can be confusing - especially when you need to make major decisions about the family home, assets or pension entitlements. The cost of getting good advice is often small compared to the cost of getting it wrong. That’s why seeking qualified aged care financial advice is more important than ever. If you're starting to think about aged care for yourself or a family member, now is the time to start planning and seek advice. As specialists in aged care advice, we can help you to make informed decisions with confidence and peace of mind. Please contact Lynde via the link below to chat more about these changes.
Victoria's 'Commercial and Industrial Property Tax Reform' and how this will affect Stamp Duty for these properties is discussed with Principal Solicitor Brad Matthews and host Gavin Nash. Changes are coming on July 1st 2024 in this area and Brad gives us great insight into how and what is changing - and when!
