Expertise You Can Trust. Advocacy You Deserve.

At Life and Taxes, we believe that high-level financial expertise shouldn't be reserved exclusively for large corporations. Led by Chartered Accountant Robert Karwacki, our practice combines over a decade of "big-firm" experience with a mission to support the everyday Australians and local businesses often overlooked by the system.

We don’t just process numbers; we act as your dedicated advocate, using the latest technology to deliver proactive, cost-effective, and secure financial solutions. Whether you are navigating complex tax laws or scaling a business, we are here to ensure you stay ahead of the curve with advice that is as approachable as it is technically robust.

  • Life and Taxes is led by Robert Karwacki, a Chartered Accountant with over 12 years of experience ranging from Senior Tax Accountant roles to Financial Controller and CFO-level functions. Having worked within ASX-listed environments and large private companies, Robert brings "big-firm" technical expertise to a local, personalized practice. We aren't just a faceless firm; we are a specialized service built on the belief that everyday Australians deserve high-level financial advocacy and a principal who is personally involved in every engagement to ensure work is accurate, compliant, and commercially sound.

  • We stand firmly on the side of the taxpayer. At a time when political and economic shifts can leave individuals behind, we act as your proactive ally. Our model is built on three pillars:

    • Tech-Driven Efficiency: We utilize the latest AI technologies and remote-work efficiencies to keep your costs down without exposing you to unnecessary risk.

    • Proactive Strategy: We believe accounting should be forward-looking. We prioritize Tax Planning, Business Structuring, and Cash Flow Management over simple historical reporting.

    • Accessibility: We are approachable and reachable. By cutting out the overhead of traditional firms, we offer direct access to a qualified expert who simplifies complex financial messages into actionable insights.

  • We provide end-to-end accounting, tax, and Virtual CFO services tailored to the realities of modern business. Our expertise is particularly deep in:

    • Small to Medium Enterprises (SMEs): Providing "Virtual CFO" insights, budgeting, and statutory reporting to help family-run operations scale sustainably.

    • Trades & Construction: Specialized knowledge in project accounting, WIP analysis, and debt facility management for the building industry.

    • Individuals & Investors: Navigating complex Tax Returns, Capital Gains (CGT) obligations, and wealth-protecting structures.

    • Corporate Support: Filling internal gaps for businesses that need high-level ERP experience (SAP, Oracle, Jonas Premier) and financial leadership without the full-time executive price tag.From startups to seasoned brands, we partner with people who care about doing things right—and doing them well.

Services