About Us

Money Intelligence Accounting (formerly Winner Partnership) is an Accounting and Business Advisory Practice founded by financial strategist, author and CPA Susan Wahhab and Financial Planner and CPA Wendy Kayal. As Accountants and Business Advisers, we provide accounting, tax, business structures and financial management services to small business.

We help small businesses get financially organised to maximise their profits and in order to build a better financial future, we believe you need to:

  1. Understand the financial information to make Money Intelligent business decisions.

  2. Focus on generating profits in your business (as opposed to focusing on sales only).

  3. Use the profits to achieve your business vision and build your personal wealth.


You cannot improve one thing by 1000% but you can improve 1000 little things by 1%
— JAN CARLZON, MOMENTS OF TRUTH

How we can help you to get financially organised

Maximise your business profits and minimise your tax - Accounting for small business

 We will help you grow your business profits through:

  • Financial strategy meeting. We will review your current business structure and previous years’ financial accounts, fix your business chart of accounts for better reporting and go through your business expenses to identify what you might be missing out on claiming.

  • Annual tax planning meeting. This is done before the end of the financial year, usually between May and June to minimise income tax on your business’s profit.

  • Preparation and lodgement of end-of-financial-year accounts and business tax return.

  • ASIC compliance.

  • Handling year-round ATO correspondence.

  • BAS/IAS lodgements – monthly and/or quarterly.

  • Annual benchmarking. Find out how your business is doing compared to similar businesses. Annual Business Valuation of your business

  • Financial Management for Small Business program. This includes budgeting, cash flow forecasting, monitoring business KPIs (key performance indicators), quarterly financial management and action-plan meetings

Maximise your super contributions and take control of your retirement by setting up and managing your own self managed super fund - SMSF admin, accounting and audit

 We will keep you on top of your SMSF admin, accounting and audit through:

  • Preparation of super fund financial accounts for the end of the financial year.

  • Preparation and lodgement of super fund and/or trust tax return.

  • Preparation of fund member statements.

  • Liaising with super fund auditors to provide an independent assessment of the super fund’s compliance.

  • Preparation of minutes/resolution of trustee/member meeting.

Minimise your tax through property investing - Tax service for investors

 We take the stress out of investing through:

  • Preparation of individual tax returns, property unit trust tax returns and family trust tax returns for property, shares and farm investors.

  • Tax advice on the best investment structure to suit the type of investment and protect your personal assets.

  • Financial and tax advice on the level of investments you can afford based on your income, cash flow, tax benefits and personal budget.

Get financially organised, Bookkeeping, Xero/MYOB setup and training

Bookkeeping is the foundation of financial success. You can't get it wrong and you can't entrust it to people who are not qualified accountants or outsource it overseas not knowing who has access to your financial and personal information. Our bookkeeping service is performed by local accountants who are trained in tax and accounting. We pledged years ago not to offshore our accounting and bookkeeping work overseas to ensure our clients get quality work in our secure Sydney business premises.

Our bookkeeping service includes:

  • Xero/MYOB training session to get you and team more skilled in data entry.

  • Xero/ MYOB setup accounting system, chart of accounts, budget figures, GST codes, employees added in payroll, employee super funds linked to Xero/MYOB and setup to pay quarterly.

  • Data entry and bank reconciliation. 

  • Accounts payable and account receivables.

  • Payroll and super payment processing.

  • Profit and loss statements and balance sheet reporting.

  • Pay bills, pay wages, pay super.

Get your business structures setup right to protect your personal assets and minimise your business tax -

Tax-effective business structures advice and setup

When it comes to income tax minimisation and asset protection, there are four structures we consider when advising you on the right business vehicle for you. Spend one hour with us to find out which structure best suits your business and personal needs. We can help you set up your business structure within 24 hours:

1. Sole trader (individual)

2. Partnership

3. Private company

4. Trading trust

5. Investment trust

Property investment advice

We have helped hundreds of clients buy their investment properties to secure their financial future, save thousands of dollars in tax and realise capital growth in their properties.

Our advice incorporates investing through a property unit trust and self-managed super fund. Our focus is always to protect your assets from any risk of litigation or loss and to save you tax. We use both structures to build your wealth for the long term. We work with you to consider income, cash flow, capital growth, depreciation and tax implications in light of your overall long-term goals. We also organise the investment property loan. Learn how you could build a property portfolio with your super money and/or your home equity to secure your financial future and retirement plans.

Lending and finance services

We do the run around for you to find the best loan deal. Our firm is a registered credit representative under AFG (ACL # 422852). Our licence helps us access hundreds of bank products to finance:

Home loans. We provide you with an owner-occupier loan to purchase your home or refinance and consolidate your debt. We show you how to pay off your home loan faster and save thousands of interest over the term of the loan.

Investment loans. We can provide investment property loans. We can also help you work out your serviceability of an investment property once we take into account negative gearing and your marginal tax rate.

SMSF loans. We are accredited SMSF and lending specialists. We source the best SMSF loans to finance your business premises, residential property, shares, car parks and farm investments. We will work out how much you can borrow, what you can afford to buy and how much super you need to pay into your SMSF to pay the loan off.

Business finance. We provide loans for new business investments, expansion and acquisition, obtaining working capital and restructuring your existing borrowing. Security can either be residential or commercial property.

Equipment finance. We provide “asset finance” (leases) to purchase vehicles (new or used), office equipment, farm machinery and commercial equipment.


 LET’S HAVE A 15 MINUTE CHAT

We know that finding the right Wealth Adviser to partner with you is a choice not to be taken lightly. We also want to serve the right people. Before we take you on as a client, we call you to find out more about you and whether our services and philosophy works for you. Please leave your details here and we will call you to discuss

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