Grow your business

Minimise your Tax

Invest and build a passive income

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We have left big corporate to bring our professional skills to a personal, one on one level

complete financial solutions

Our Services

Our team of experts can assist with all of your financial arrangements. Whether you are a busy professional, a business owner, or simply someone wanting to make the most of their financial position, our personalised approach to your unique situation sees our team work together to grow your income, minimise your tax and take advantage of investment opportunities.






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  • Scarlett Financial helps you take control of your destiny and build a prosperous future. We give you direction, peace of mind, and investment opportunities to build a passive income stream and secure future.


  • F1rst Class Fitness

    F1rst Class Fitness is a boutique personal training studio located in the Brisbane CBD, owned and managed by Gemma Cuskelly. What started as a small studio in 2012 is now one of the largest dedicated personal training studio in the Brisbane CBD, offering no-contract gym memberships, group fitness workouts or one-on-one training tailored to the individual. The business treats its customers as part of a community, supporting, guiding and motivating them to reach their fitness goals.

    The fitness and personal training industry is burgeoning, with plenty of competition. As F1rst Class Fitness grew, Gemma knew she needed to manage that growth carefully, future-proofing the business and preparing it for long-term operations.

    For Gemma, this meant partnering with a business adviser that could fill a role beyond that of traditional accounting.

    Gemma Cuskelly said, “I needed someone who could guide the business growth and grow with us,  and Nick Gregory came highly recommended.”

    Improving processes to drive goals

    As a first step, Nick reviewed F1rst Class Fitness’s processes and streamlined the business utilising cloud functionality to automate those processes.

    Nick Gregory, Director at Scarlett Financial, said, “We took over the administration side of the business, giving Gemma time to focus on managing and growing the business. We complete F1rst Class Fitness’s Business Activity Statements and prepare quarterly management reports and monthly cash flow analysis. We then meet with Gemma regularly to discuss how the business is tracking against its goals, and we develop and implement plans to help the business achieve its goals.”

    Gemma Cuskelly said, “My advice to others starting a business is to get professional advice and set up appropriate business structures to support your growth. This means completing a business plan, then constantly revising it and making provisions for growth. By delegating the day-to-day accounting tasks to Nick Gregory, and relying on the team’s professional advice, I was able to work on my business strategically, rather than working in my business.”

    F1rst Class Fitness has experienced steady growth over the past four years and is continuing to grow its flagship CBD location, with the plan to open new sites in the near future.


  • Mortgage Broking

    “I continue to be impressed by the incredible service provided to my wife and I by Justin at Scarlett Financial. He regularly goes above and beyond our expectations and nothing is ever too hard.

    Justin ensured we secured the best loan for our unique (Defence) circumstances. He thoroughly assessed our financial position and made recommendations based on the best long-term outcome for our family.

    We appreciate and value the ongoing relationship that has been forged between us.

    I have recommended Scarlett Financial to a number of family and friends and would not hesitate in doing-so again in the future.”  

    Glenn Ritchie

  • Property Investment

    “Michael & the team at Scarlett Financial were extremely responsive to the ongoing management of our investment property requirements. They provided well-researched, reliable advice so that we, as first home-buyers, could make an informed decision.

    Nothing was ever too hard for Michael, as we navigated our way through the investment property puzzle. He was always a voice we knew we could rely upon.

    I have no hesitation in recommending Michael & the Scarlett Financial team’s services.”  

    Chris Ford

  • Insurance Cover

    “The team at Scarlett Financial are trusted with managing our risk, which is a significant part of our business and relies heavily on comprehensive insurance cover specifically for our government clients.

    Scarlett Financial’s claims handling is reliable, appears effortless, and incredibly efficient.”

  • Self-Managed Super Funds

    “We have worked closely with Tracey at Scarlett Financial for over eight years. Tracey has always been efficient and effective at reorganising and restructuring our very complicated personal affairs that had gone astray due to a family health issue.

    Tracey has an incredible ability to explain highly-technical information in a way that is easy to understand and digest.”

    Christine McLennan

  • Financial Planning

    “Nathan Nash has an incredible ability to make even the most complicated compliance issues digestible. He has been providing our family with sound financial planning advice for over ten years.

    Nathan is personable, approachable and an all-round genuine guy. He always has time for us and provides a personalised approach which is a welcome relief to our otherwise extremely busy schedule.”

    Karen Gibbs

  • Business Advisory and Accounting

    “The Scarlett Advisory team are extremely professional and always available to assist me. I know I can rely on the team to provide me with relevant and timely advice that is specific to both my business and industry. They constantly go above and beyond their roles to guide me in running my business, through their industry-specialised knowledge within the medical field.  

    As well as being exceptional at what they do, the team at Scarlett Financial possess a genuine desire to develop and maintain a relationship on a personal level. (Something which shows that the team are not just about charging fees and seeing me once a year to talk about my taxes and obligations to the ATO.) They truly care about me and my business.

    I highly recommend the Scarlett Advisory team to anyone wanting to improve their business profitability and desire to achieve a successful work/life balance.”

    Dr Dylan Hyam – Maxillofacial Surgeon

Learn The Latest Strategies To Grow Your Wealth

  • We will never share your information with third parties
  • Nathan Nash

    Nathan Nash


    For me, it’s all about helping you create the life you desire. I help you achieve this through the building of a diversified investment portfolio to grow a passive income stream. My expertise gives you strategic direction, investment opportunities and financial security.

  • Justin McIlven

    Justin McIlven


    I’m all about helping people get the absolute best mortgage for their situation. I especially love helping people in unique situations where the traditional mortgage or approach just won’t work. It is hugely gratifying to see the happiness when people know they can move into their new home!

  • Tracey Nicholls

    Tracey Nicholls


    It is imperative that I’m proactive in advising my clients on their self-managed super funds. I need to be immediately across any change in legislation. I enjoy being able to ring them and let them know that they are complaint or that there are additional strategies available to help maximise their financial position.

  • Lionel Soh

    Lionel Soh


    I love working on clients’ complicated tax compliance related to property because I can help them achieve significant financial savings and ultimately profit. It’s great to be able to set them up with a benchmark for future projects which helps ensure they are on track to achieve their financial goals.

  • James Campbell

    James Campbell


    Making sure all of the bases are covered in a client’s property development is really important including cash flow forecast, corporate structure, forecast profit & loss statements, balance sheets and a business plan. That’s because that allows me to negotiate the best deal with the banks which, in turn, maximises the client’s success.

  • Domenic De Marco

    Domenic De Marco


    Working on restructuring an owner’s business always feels like I’m making a real difference, especially around ensuring that the business is set-up for success but that the owners still have financial freedom and are moving towards their long-term goals.

  • Joel Hams

    Joel Hams


    I love to support people on their business and investment journeys over the long term. I particularly enjoy sharing in each individual or family’s success and also being there to help out when things aren’t going so well. Being able to look back together on what has been achieved is what I cherish most about being a trusted advisor.

  • Josh White

    Josh White


    Financial security and freedom of choice – whether that be early retirement, travel, the ability to pursue a passion or purchase that dream home. I really enjoy working at a personal level with each client to maximise their opportunities.

  • Nick Gregory

    Nick Gregory


    The role I play as an accountant differs between every one of my clients. These roles range from the typical ‘accountant’, acting as a technical expert for their business and personal affairs. For others I am a business advisory, helping them develop and grow their businesses and sometimes I find myself playing the role of ‘counsellor’ to my large business/family groups. No matter the role – I pride myself of being my client’s trusted advisory standing beside them and helping solve their problems.

  • Will Pham

    Will Pham


    Advice, Clarity and Direction. These are the fundamental steppingstones that I believe will help my clients in achieving their goals.

  • Andrew Holmes

    Andrew Holmes


    I love having holistic discussions with clients and working with business owners to identify the best solution to cater to their current requirements – whether that be boosting profits, improving cashflow, or reaching a better understanding of their business needs.


5 Reasons to choose Scarlett Financial

Challenges for Small Businesses Coping With Debt

Contact us today to have a no-obligation discussion about how we can help you

Get in touch


Level 57, MLC Centre Martin Place, Sydney, NSW 2000
02 9190 8160


Level 2, Ethos House, 28 Ainslie Place, Canberra City, ACT 2601
02 6171 9510


Level 3 South Tower, 527 Gregory Terrace, Fortitude Valley QLD 4006
07 3188 3200

Postal Address

PO Box H170, Australia Square, NSW 1215

PO Box 209, Civic Square, ACT 2608

PO Box 559, Spring Hill QLD 4004