COSCER INTRODUCTION. development and in-housç traini g. Our office systems are of C O S C E R

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1 INTRODUCTI ON OUR OBJ ECTIVES 10 RE ASONS TO CHOOSE AC C OUNTING TAXATION CORPOR ATE AN D SECRETARI AL SERVICES BUSINESS CONSULTING FINANCI AL P L AN NING FINANCE BROKING SERVICES

2 INTRODUCTION Coscer, formerly Costello & Cerutti, was established in July 1980 by Kevin Costello and Glen Cerutti. Glen has been in practice in Ingham since Chris Castles became a partner in 2002 after deciding to expand his successful financial services business which was also located in Ingham. With the formation of Coscer, a new level of service for clients has come to fruition. Coscer are more than just accountants. As a boutique firm of Certified Practising Accountants (CPAs) comprising two partners and a professional support team, we take pride in the quality of our team, the high standards we maintain and the wealth of knowledge and experience that we can offer our clients. The practice provides expertise across a broad spectrum of activities. These include Accounting and Taxation, Superannuation, Business Consulting, Corporate and Secretarial Services, and Managerial Accounting. Through associated entities we provide Financial Planning and Finan Broking Services. PARTNERS Glen Cerutti Chris Castles BUSINESSMANAGER Marian Di Giacomo MANAGERS Narelle Digger Peter Timms FINANCIAL PROFESSIONALS Lilian Woolley Leigh Carr Rochelle Gatti Ross Girgenti Tracey Castles OFFICE 37 Lannercost Street Ingham Qld 4850 POSTAL PO Box 381 Ingham Qld 4850 We maintain the high standards of quality required by the Australian Society of CPAs. This commitment to the highest level of best practice and professional conduct is further reinforced by our attention to continuing professional PHONE FAX info@coscer.com.au WEBSITE development and in-housç traini g. Our office systems are of C O S C E R FINANCIAL PROFESSIONALS the highest standard, using some of the latest technology More than just Accountants currently available. Our premises in Ingham provide a comfortable and friendly atmosphere with the added benefits of conference room facilities and a seminar room.

3 OUR OBJECTIVES Coscer believes that in today's environment, accountants need to be more than accountants providing profit and loss statements, balance sheets and taxation returns that reflect things that happened twelve months ago. Business today is more complex than ever, with legal and taxation requirements changing frequently. With our vast and broad range of experience, we are here to provide valuable assistance and guidance, leaving you, the business owner, to do what you do best run your business. Our primary objective is to work with you, building a relationship of confidence and trust. We will work together to build wealth and a better business for you. This is achieved by our becoming a part of your business, understanding your needs, your priorities and your goals. To this end we create a financial and management plan tai your specific needs. Communication is the lifeline of modern business and we keep our clients informed with our educational seminars, regular newsletters and our practice web site,

4 10 REASONS TO CHOOSE (1) A proactive firm dealing with progressive clients. (2) Timely and efficient services. (3) Integrity and confidentiality. (4) Expert, up to date advice. (5) A highly qualified team with experience in all facets of business and taxation. (6) Personalised, professional and friendly service. (7) Commitment to continued professional development of all team members. (8) Client education through informative seminars and topical specialised training seminars. (9) Regular updates through our practice newsletter and web site on current taxation matters and general business affairs. (10) One-stop comprehensive financial services available through Coscer and related entities.

5 ACCOUNTING Coscer will provide accounting services in many areas including: Financial Reports Monthly, quarterly and annual financial reports can be prepared so that you are in a position to make more timely and effective decisions. Management Reports The performance of your business will be closely monitored, making those important decisions so much easier knowing that you have all the necessary information to hand. Budgets and Cash flow Forecasts Cash Flow management and budgeting is an integral part of everybody's business. Our specialist team uses the most up to date computer systems and software to assist you with this m important of planning tools. Superannuation Funds The regulations governing superannuation funds are constantl changing. Our superannuation specialists can manage the preparation and maintenance of your superannuation fund accounts to meet current statutory requirements. Coscer can al assist with the requirements for running your own Allocated Pension.

6 TAXATION There are many facets to our Tax System and Coscer will help you to cope with all of them, including: Preparation and Lodgement of Income Tax Returns Coscer will prepare your individual, partnership, trust, company and superannuation fund tax returns and lodge them electronically. Other Tax Reports and Returns Coscer will assist in the preparation of Business and Instalment Activity Statements and provide expert advice on all GST and PAYG matters. Tax Planning and Advice Taxation regulations are becoming increasingly complex with changes occurring continuously. Our team remains up to date and can provide you with accurate advice on all taxation matters. Tax planning equals tax saving and you can have complete confidence in Coscer. We are affiliated with other major accounting groups whose services are used to provide specialise d taxation advice whe needed by you.

7 C O R P O R A T E A N D SECRETARIAL SERVICES Coscer provides a full range of corporate and secretarial services, including: Establishment of New Companies and Trusts Coscer will assist you to establish your new company or trust, ensuring that all the necessary documents are lodged. Corporate Secretarial Services Coscer will assist you to maintain all the necessary records and assist in the preparation of minutes and general record keeping to meet Australian Securities and Investments Commission (ASIC) requirements. Annual Statement Coscer will prepare and lodge your annual statement with ASIC. BUSINESS CONSULTING Coscer provides every service you need to set up and run your business effectively, including: Business Plans Every business, whether new or existing, will benefit from having a comprehensive business plan. Coscer can help prepare and develop a business plan for your business. Business Evaluation If you are considering the purchase or sale of a business, we can evaluate it and provide you with a detailed report including our recommendations, which will help you make your decision.

8 FINANCIAL PLANNING Coscer recognised the need to provide comprehensive financial planning services and investment advice to clients. Together with Professional Investment Services they formed an alliance to provide these services. Our clients are conscientious with their money, eager for credible professional advice and acutely aware of the need for greater strategic planning of their finances. Financial planning is all about helping you to create and preserve your wealth and security. Professional Investment Services Professional Investment Services actively seeks to help you to achieve these goals. We can provide assistance and guidance on all facets of financial planning, including: Self-Managed Superannuation Funds Allocated Pensions Regular seminars on investment topics Investment Planning Managed Funds International Investments Income Producing Investments Retirement Planning and Centrelink Benefits Assessment Superannuation Negative Gearing Options and Strategies Income Protection Insurance Life and Trauma Insurance

9 FINANCE BROKING Finance is a major part of everyday life. It is involved in almost every major decision you make, such as buying a house or car or funding a business or investment. At Coscer we understand the impact that a poor financial structure can have on your personal or business finances. Through our alliance with the Australian Loan Company and other finance providers we provide comprehensive advice to allow you to make fully informed decisions. We take the time to talk to you and assess your finance requirements relative to your short and long-term objectives. We assist you to choose the best source and type of finance available to you and analyse your ability to gain finance in terms of security available and serviceability. We take the stress out of loan and finance applications b managing the process on your behalf from start to finish We offer a finance service that ensures your borrowings are structured for maximum benefit. The Australian Loan Company is accredited with major bank a non-bank lenders. We can provide assistance and guidance on types of borrowings, including: Home Loans Debt Restructure, Consolidation and Refinance Business Loans Personal Loans Building Loans Car Loans Equipment Loans Leasing Property Loans Investment Loans

10 SERVICES SMALLBUSINESSADVISORY Setting up of New Business Business Plans Cash Flow Projections Budgeting Debt Restructuring Self-managed Superannuation Funds Self-managed Allocated Pension Maintenance Management and Administration Purchase/Sale Salary Packaging Business Valuation TAXATION Company Trusts Partnerships Portfolio Planning Negative Gearing Investment Monitoring Retirement Planning Tax Effective Planning Savings Plans Sole Traders Individuals Superannuation Funds Goods and Services Tax Fringe Benefits Tax Capital Gains Tax Tax Planning CORPORATE Statutory Requirements: Annual returns Minutes Registered office n Business Loans Building Loans Equipment Loans Property Loans Debt Consolidation Personal Loans Leasing Finance for Any Purpose Change of office bearers Company and trust formation ACCOUNTING Financial Accounting Management Services Auditing Bookkeeping Advising