Welcome to Karaco

Accountants & Financial Planners

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Established in 1999, we offer extensive knowledge and experience to a diverse range of clients and industries in Melbourne. We offer a complete range of Accounting services (under Karaco Certified Practising Accountants) and Financial Planning services (under Karaco Wealth).


Learn more about how the team at Karaco can help you with your business accounting needs.
Karaco Partners Tony Giannopoulos and Jim Karakoussis

Karaco Partners Tony Giannopoulos (left) and Jim Karakoussis (right)

We are an experienced two-partner firm, focused on providing the highest standards of professional service and advice to all clients. We provide total business solutions to our clients through utilizing our extensive knowledge and experience in Business Consulting, Accounting, Compliance and Auditing services. Our credentialed client base is broad in size and covers numerous industry sectors.

Our major objective is to establish long term, beneficial professional relationships with our clients. Relationships based on mutual understanding, trust, confidentiality, best practice and partnering. We aim to service your business and meet your personal needs by utilising our long established network of business and professional associates. These include solicitors, financial planners, bankers, marketing and strategic management consultants, computer and IT Specialists. Based entirely on referral only, we offer these contacts as a service to you and your business.

Successful business strategies

We work with you in determining future strategies that will bring success

Karaco Certified Practising Accountants

Let us help you kick start your business

Accounting Services

Learn more about how our team can help you with your business accounting needs.
XERO logo Reckon logo MYOB logo CPA logo Registered Tax Agent logo

Accounting is not rocket science, and it should never feel like it

Accounting is not rocket science

Karaco Wealth

Let us help make your financial goals a reality

Life Event Services

Life is full of surprises. It's understandable that events in your life can affect how you think about your goals.

PRPIA Pty Ltd ABN 61 144 888 433 (trading as Karaco Wealth)
Corporate Authorised Representative
Charter Financial Planning Limited ABN 35 002 976 294
Australian Financial Services Licensee Licence number 234665
Principal Address: Level 22 / 33 Alfred Street, Sydney, NSW 2000
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General advice warning. This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person.You need to consider your financial situation and needs before making any decisions based on this information.

Protect your assets

You work hard to create wealth so your assets should be protected

About Us

Meet the team behind the scenes at Karaco and learn a little about our history and our business philosophy.

Karaco have been looking after the wealth creation, wealth preservation and statutory obligations of their clients for 20 years. Partners, Tony Giannopoulos and Jim Karakoussis have mentored a dedicated team of qualified practitioners who provide a unique approach in working with their clients every step of the way to help them determine and reach their goals.

The Karaco team is committed to providing innovative solutions dedicated to guiding our clients towards achieving their goals of wealth creation, wealth preservation and compliance with statutory obligations.

Karaco is located in the heart of the Balwyn village shopping strip and has received many industry awards, including the honour of being crowned, 'Top Victorian Accountancy Practice' by the Professional Investment Services Network.

Client Testimonials

Hear from a sample of our many happy clients about the positive experience they've enjoyed with Karaco.

Karaco doesn't just provide me with great accounting, tax and financial advice for my business, but a whole host of other services such as marketing, leadership, and investment advice. This all-encompassing service has given Golden Monkey an unfair advantage over our competitors and is a key reason why we are Australia's Bar of the Year.

Adam Ong

Tony Giannopoulos was recommended to me 10 years ago and has been my Accountant ever since. I have never had a doubt that my Account would be handled with proficiency and care by very efficient and friendly staff at Karaco. This was no more evident than recently when I needed a problem to be addressed. Tony took control. Made the time to explain what had to be done and ensured the task at hand was completed straightaway. It's this level of service that I have received over the years that has me seeking Tony's advice first. I would have no hesitation in recommending Karaco to anyone looking for an Accountant that provides excellent service. I walked out of Karaco's office feeling a lot better than when I walked in! Thanks Tony.

Teresa Russell

Karaco Accountants have been an active partner in our company since 1997. Their Three-Way Projection software has enabled us to better understand our financial position and maximise our bank funding. Our regular meetings keep us focused on our strategic plans and have helped identify and implement best business practices. Karaco truly live their mission statement.

Catherine Skelton and John Isaac

It's the little things that make our working relationship with Karaco something special. Sure, like many firms, they have the necessary technical expertise to get the job done (and then some) however, with Karaco there is something extra. The attention to detail. A feeling that they care, that we are a part of their corporate family. A willingness to listen to what you want and need, not only in business but with regard to your personal financial situation. Their facilitation of Strategic Planning workshops ensures you think honestly about your business, where it is, where you wish it to be and what you need to do to get there. This means that the solution put forward and the work undertaken has been planned to fit, not just a pro-forma set of advice. And they are with you every step of the way, from inception to completion because their goal is to help us achieve our goals. We would readily recommend Karaco Accountants to any of my business associates and friends.

Jim Koutsoumidis

One of my most successful business relationships is with Jim Karakoussis. Jim has been our external accountant and advisor since 2007. We have created a relationship that is built around mutual understanding, trust, confidentiality, best practice and partnering. The relationship generated trust from its inception. We value each other's time and use it wisely. Our mutual respect strengthens this relationship and makes it work very efficiently with no communication barriers. This relationship has enabled Greenbank to manage its risk portfolio very efficiently, making the company more profitable than it would have otherwise been.

Ria Redmond

Karaco Accountants have been our business accountants for ten years. We have found both the partners and staff to be proactive, professional and capable in everything they do. Not only in terms of accounting and tax, but also practical business advice as well. I value Karaco's service and advice.

Peter O'Toole

The advice of Karaco Accountants and particularly Jim Karakoussis has supported our company in its significant growth since our relationship commenced in 2005 and they have been an invaluable member of our business. We recently completed a major property acquisition and Jim's advice on structuring enabled us to save a significant amount of tax which was pivotal in being able to fund the purchase.

Joe Cannatelli

Karaco Accountants have been instrumental in developing our Human Resources. From employment to termination and all stops in between Karaco have assisted us to develop a robust HR base in the areas of policy and procedure guidelines, manuals, staff development and employee assessment. Not to mention their expert knowledge of taxation related matters such as payroll and superannuation. They have become our first port of call for advice on Human Resources matters and I can recommend this service to anyone, no matter the size of their company.

Stephen Kelly

We ensure your accounting and tax compliance is lodged on time

Lodged on time

Latest Accounting & Financial Planning News

Read the latest from the Karaco news desk in both the Accounting and Financial Planning sectors.

Accounting News

Business confidence hits 5-month high: NAB

Business confidence hits 5-month high: NAB

NAB’s business confidence index jumped four points in December as business confidence and business conditions begin to converge.

Read More

Caution advised on best interests duty with cryptocurrencies

Caution advised on best interests duty with cryptocurrencies

While cryptocurrencies may not be considered financial products, authorised representatives and licensees are reminded related advice is not exempt from best interests duty.

Read More

$20,000 asset write-off renewed for another financial year.

$20,000 asset write-off renewed for another financial year.

Asset write-offs reminder for small business.

Read More

SMSF compliance traps with bitcoin

SMSF compliance traps with bitcoin

With the surge in the bitcoin price (and many other cryptocurrencies) attracting greater numbers of SMSF investors, what compliance traps do SMSF accountants and auditors need to be aware of?

Read More

Where Australia is at.  Our leading indicators.

Where Australia is at. Our leading indicators.

While dry and not that exciting, stats on how Australia is going in regard to a vast range of important issues can be very illuminating.

Read More

Foreign resident CGT withholding: early recognition of tax credit

Foreign resident CGT withholding: early recognition of tax credit

In other words, an embarrassing deficiency in legislation has been corrected.

Read More

Financial Planning News

Business confidence hits 5-month high: NAB

Business confidence hits 5-month high: NAB

NAB’s business confidence index jumped four points in December as business confidence and business conditions begin to converge.

Read More

New Year resolutions, New Year strategies

New Year resolutions, New Year strategies

Stop procrastinating. These two words can provide an excellent starting point for investors who are determined to set meaningful resolutions and strategies for 2018 and beyond.

Read More

How will downsizer contributions work for SMSFs?

How will downsizer contributions work for SMSFs?

With downsizer contributions coming into effect on 1 July 2018, what are some tips and traps for SMSFs and their members.

Read More

Where Australia is at.  Our leading indicators.

Where Australia is at. Our leading indicators.

While dry and not that exciting, stats on how Australia is going in regard to a vast range of important issues can be very illuminating.

Read More

‘Read the tea leaves,’ brace for cryptocurrency regulation, advisers told

‘Read the tea leaves,’ brace for cryptocurrency regulation, advisers told

Despite crytpocurrency not being regulated as a financial product, the requisites of best interests duty still strictly apply as the regulators circle, advisers are being told. 

Read More

Power of retiree super dollars

Power of retiree super dollars

With the waves of baby boomers now nearing or entering retirement, it is hardly surprising that the ranks of retired super members is rapidly growing. Yet the extent of that growth may surprise you.

Read More

We leave no stone unturned

Our clients are more than just customers. We treat each business like our own and leave no stone unturned to make their goals, our goals.

Tools & Resources

Login to our Secure Client Portal or enjoy the links to FREE tools and calculators supplied by MoneySmart.

Our greatest assets are our clients. We treat each client as if they are our only one.

Thank you

Contact Us

We'd love to get in touch and we welcome any enquiry that you may have

Get in Touch

Karaco welcomes your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!

Our Office

Postage Address

  • PO Box 716, Balwyn VIC 3103

Business Advisory and Development

Business Advisory & Development

Whilst we understand that numbers are an important element in running your business successfully, we firmly believe that understanding the motivations and aspirations of people and organisational activities are critical to achieving future success.

Our Business Advisory and Development Services are focused on improving business performance and ultimately increasing the value of your business.

Services include:

Tax Planning

Tax Planning

An integral aspect of our business philosophy is recognizing that tax minimization is a critical element in the wealth creation and preservation process. To this end, our tax consulting services are focused on legally minimizing the tax impost on your business and personal affairs.

Services include:

Business Finance

Business Finance

Gaining access to cost effective capital is critical to the future success and growth prospects of any business. Obtaining finance can often be a long and arduous process. In order to make this process as painless as possible we can assist you with:

Tax Compliance

Tax Compliance

The introduction of the new tax system has had a significant impact on the compliance requirements for small businesses. We provide a broad range of tax compliance services so that you can focus on running your business.

Services include:

Business Accounting

Business Accounting

We provide a full range of Accounting Services to assist you in gaining an accurate picture of your business, to provide the basis for future planning and meeting your compliance obligations.

Services include:



Through our experience as Registered Company Auditors we recognize the importance of having confidence in financial information for making effective business decisions.

To this end our services include:

Computerised Accounting Services

Computerised Accounting Services

Quality, easily accessible management information is critical to business success in these turbulent times. In order to improve your decision making capacity we provide the following services:

Company Secretarial Services

Company Secretarial Services

Owning interests and holding Offices in Private Companies has many statutory obligations attached. In order to assist you with these matters we offer the following services:

Why seek financial advice

Why seek financial advice?

The decisions you make and the actions you take along the way heavily influence your financial future. It pays to make well considered decisions. Working with a knowledgeable financial adviser who takes a genuine interest in helping you improve your financial situation can make a world of difference to the life you create in the long run.

Finding the time to understand everything impacting your financial future can be time-consuming and difficult to know what you should do to ensure you are in a better financial situation. Working with Karaco Wealth gives you the benefit of a valuable partnership - receiving your adviser's insights, knowledge and practical ideas whilst remaining in complete control of what happens with your money.

What type of advice do you need

What type of advice do you need?

Karaco Wealth offers straight-forward, professional advice, helping you make the most of your money. Holistic financial advice is comprehensive, taking every aspect of your financial situation and aspirations into account. This should involve a life-long relationship with a trusted adviser. Event-driven advice on the other hand is provided intermittently in reaction to things happening in your life.

The type of advice you choose may depend on goals and what stage in your life you are in. Karaco Wealth can help determine the type of advice that would best suit you and your situation to give you the most value.

What difference can financial advice make

What difference can financial advice make?

Comprehensive financial advice or event-driven advice can make a significant difference in your financial situation guiding the actions you do or don't take, with regard to changing legislation, how you hold your assets (financial structuring), tax-saving opportunities, your level of wealth and personal protection, fluctuating interest rates and how and when you pay off your home.

Karaco Wealth can show you where money is going out when it should be staying with you as legislation rates and interest rates change reaching milestones and different stages in your life. There are many ways to make your money work harder when you are making an investment or saving for a child's education - earning you more in less time and cost cutting. For example, guidance from a financial expert can take years off the duration of a home loan, saving many people from spending more than they should on home loans.

Whatever you're aiming for, a relationship with Karaco Wealth can give you insight into how you can achieve long-term financial success and protect your wealth.

Karaco Wealth can identify any financial risks with that you and your family may be exposed to and ensure you look after what is important and that they're taken care of down the track - no matter what life brings. When you're busy focusing on your work and life, prepare for the unexpected to avoid something spoiling your plans or taking away something you have worked hard to gain.

Our advice process

Our Advice Process

Step 1: Structures – which are the most suitable for optimum outcome
We consider which legal or tax environment will provide you the optimum outcome: personal, company, trust or SMSF? What structure is appropriate not only now but in the future? We help you understand the pros and cons of each investment structure and the flexibility, accessibility, tax implications and short/long term ramifications of investing.

Step 2: Strategic asset allocation to minimise risk
In understanding your risk tolerances and investment needs both short and long term, we then help you understand the implications and investment decisions around which assets and investments are suitable for you and how to structure your returns for both short and long-term goals.

Step 3: Tactical investment selection
Knowing what investments to purchase relies on an in-depth understanding of the market and continuous benchmarking of your portfolio's performance. This is the active and interactive process of actually choosing, purchasing and adjusting the investments over time during which we regularly consider our Investment Committee's view on the economy, assets, risk and the most suitable investment styles.

Step 4: Regular portfolio reviews
The importance of regular reviews cannot be overestimated given the constant change in global markets - with legislation, technology and economics and political decisions. Our regular and disciplined monitoring of your investment portfolios are directed at enhancing and identifying potential problems before they emerge.



Superannuation is still the most tax effective investment vehicle to help save for your future retirement. The rules governing superannuation are always changing presenting both challenges and opportunities.

Our team of strategic wealth advisors are able to provide advice that allows our clients to continue to maximise the tax benefits within superannuation and implement strategies today to future proof your superannuation against future legislative change.

Self Managed Super Funds

Self Managed Super Funds

Setting up an SMSF is a major financial decision requiring the expertise of both an accountant and a qualified financial advisor. At Karaco we make it easier for you - our wealth advisors and accountants work together to offer end-to-end SMSF advice and services from set-up, administration, investment advice, audit, compliance management, right through to wind down.

You can discuss with your Karaco Wealth Advisor if an SMSF is the right choice for you in meeting your retirement needs.


Investments - Active Portfolio Management

In today's dynamic and global economy with changes to legislation, technology and investment markets, a different approach is required.

Our team of specialists together with our Investment Committee are constantly reviewing the latest changes and investment opportunities and have a proven track record in providing strategic investment advice tailored to the individual's investment time frame and risk profile.

Planning your retirement

Retirement Planning

Australians are living longer, healthier and more active lives in retirement, but how much money will be enough to suit your lifestyle and retire comfortably?

We can help you work out how much you will need to retire and the most effective investment strategies to ensure your money lasts and takes advantage of the government regulations and tax allowances.

Protecting your family

Wealth Protection

If you and your partner were unable to work due to major trauma, illness, injury or death, what would happen to your current lifestyle, business and your retirement plans?

No matter what age you are, having the right insurance protection is essential to your financial security and in protecting your family's lifestyle. Given the number of insurance providers in the market and different types of cover, it is important to talk to our specialist risk advisors to make sure you get the rights insurance to protect your family and your business.

Financing and lending services

Financing & Lending Services

Our team of lending specialists via Partners Lending are a full-scale finance brokering business specialising in providing tailored lending solutions for your personal and business needs.

We look at every lending solution in the market place across all the financial providers and present to you the right lending solutions and best negotiated rates.

Legal Services

Legal Services: Safeguarding Your Family's Wealth

Partners Legal provides specialist wealth management, estate planning, commercial, and property law advice and works closely with Karaco Accountants to deliver end-to-end integrated and seamless solutions.

Our role is to partner with you and your accountant to help protect your personal wealth, business and commercial interests through smart, innovative solutions and advice for even the most complex needs.

Business succession planning

Business Succession Planning

What happens if a business partner wants to leave a business or experiences a serious health or life event that forces them out?

Such a departure raises serious questions concerning the effective ongoing operations of a business and its future ownership. Having a predetermined plan to govern ownership and transfer of management responsibilities can minimise disruption to the business, protect your wealth and avoid painful and costly disputes.

Estate planning

Estate Planning

Estate planning is a specialised area that can involve many financial complexities. While no one intentionally leaves behind complications for their loved ones, countless families are burdened with the difficulties of an out-of-date will.

You can make sure it's easy for your loved ones to receive what you leave behind. Karaco Wealth will work in conjunction with you and your solicitor to ensure your assets will pass smoothly and tax-effectively to your loved ones.

Starting a family

Starting A Family

Welcoming a first, second or third child may be one of the most exciting and overwhelming times of your life. With a new child comes a new budget with many changes and a whole new life stage.

Financial decisions need to be made and it certainly pays to plan well ahead for such a significant time in life, especially if there's the chance your situation means changing from two incomes to one for any length of time. The cost of child care or an income reduction will have a financial impact throughout the child's lifetime and both or one parent may continue working and, depending on what's best for your family, the cost of child care while you're at work or a reduction in income will have a financial impact. The financial costs associated with having a baby can be surprising and related costs in raising the child need to be considered also.

When preparing for the arrival of your child, you may find yourself meeting the initial costs of furnishings for the nursery while you consider the day-to-day costs of looking after a baby. Some decide to buy another car while some may think about a larger home with a bigger backyard. The time also arrives when the options and costs for a child's education need to be considered.

Karaco Wealth can ensure these expenses are planned for, that your family and all you have worked hard to gain are protected and you can give your children the best start to life - regardless of what life brings.

Changing jobs

Changing Jobs

Changing careers can be stressful. Whether you love your job or you've been thinking about finding a new one, being without work or having to change careers unexpectedly can be planned for.

You may find yourself considering career options you hadn't given serious thought to before: undertaking training, seeking further education, looking for part-time work or considering working for yourself and starting your own business.

Have you considered the financial and emotional implications of changing jobs? These can be overwhelming and can affect other areas of your life. There are many options to be considered to ensure you'll be satisfied with the changes you're making and that you receive the entitlements due to you when you leave your current job.

Making time to speak with Karaco Wealth can give you the opportunity to explore the viability of your options, assess your future and ensure you stay on track to reach your goals.

Caring for aging parents

Caring for Aging Parents

As Australia's population continues to age, the proportion of people over 65 is rising. Many elderly people aim to remain independent and live in their own homes. But in some cases this isn't possible.

Fortunately, there are many options. Sometimes staying at home with regular support is possible and sometimes full-time in-home care is required. You may find that eventually you're faced with the difficult decision of helping your parents move to another residence where their wellbeing can be better supported.

Working with Karaco Wealth will ensure you're aware of the options available to your parents, that their needs are met and they do not unintentionally forego any financial entitlements.

Karaco Wealth will look at the structure of your parents' assets to maximise Centrelink aged-care and health-care benefits to help their savings and support them to stay at home.

The impact of capital gains tax as a result of the sale of any assets may also be reduced or avoided altogether.

Karaco Wealth can be there with you from the start to assist you with every aspect of exploring and managing your parents' options and needs. For example, by:

Receiving an inheritance

Receiving An Inheritance

Receiving an inheritance can leave you with mixed feelings. Dealing with the loss of a loved one, grief and other emotions can make it difficult to decide what to do. Sometimes during emotionally challenging times, the impact of tax and inheritance rules can be the last thing on your mind.

At such times, it can be comforting - and in your best interests - to speak with your financial adviser. You can then go through the grieving process more freely with the assurance that tax and inheritance rules won't eat into your money unnecessarily.

Depending on the types of assets you inherit and the way any money is passed on to you, there can be issues to consider and manage in order to maximise the amount you receive.

Often when a loved one dies we can be reminded about the importance of planning for our own beneficiaries and ensuring everything is as uncomplicated for them as possible.

Karaco Wealth can work with you and your accountant and lawyer to ensure you end up making the most of your inheritance, and can guide you in what you can do to ensure your loved ones are taken care of when you die.

Buying a property

Buying A Property

Advice from Karaco Wealth can make a big difference in how quickly you can own that home or investment property you have been thinking about buying. How you structure your mortgage, and considering any existing loans and savings accounts you have-makes a big difference to your long-term financial success.

Assess your financial position with Karaco Wealth and you can take years off the duration of your loan and own your property quicker.

Managing a divorce

Managing A Divorce

Whether you are married or in a de facto relationship, separating from your partner can be one of the most challenging times in your life. Current trends suggest that one couple in three will face the complicated emotional and financial issues of a separation or divorce.

When separating from your partner you'll need to review any joint investments, bank accounts, superannuation funds, personal insurance, health insurance, and possibly your tax arrangements. If you have children, you may need to address child maintenance arrangements too. In certain circumstances one or both parents may be entitled to temporary or long-term parenting payments from Centrelink.

By talking with Karaco Wealth you can be confident in your entitlements and options. Many people benefit from Karaco Wealth's insights and assistance when negotiating with their partner.

The challenges can be complex and Karaco Wealth can guide you through the financial implications of separation and help you prepare for the next chapter in your life.

Jim Karakoussis

Jim Karakoussis

B. Bus CPA


Jim commenced his career in 1983 with the Australian Taxation Office. In 1987 as a Senior Manager he joined Pannel Kerr Forster as a Senior Taxation Consultant, specialising in advising public practitioners on tax audits and complex taxation issues. Since establishing his own practice in 1991, Jim has broadened his focus to a range of business advisory services for his clients.

Jim's skills in guiding small to medium enterprises in implementing business development programs is well known.

Throughout his career Jim has been determined to give back to the community, in a number of ways. For example, he has held a senior position on the Board of one of Australia's leading sporting clubs.

Tony Giannopoulos

Tony Giannopoulos

B. Eco CPA


Tony commenced his career with Arthur Young in 1980 gaining significant experience in taxation, audit and consulting. In 1985 he established his own accounting and consulting practice.

His professional focus includes a unique range of business advisory skills that have seen Tony chair or act as an adviser to various private company boards.

He also provides innovative human resource services for many clients to allow them to focus on their core business activity.

Tony is a registered company auditor with the Australian Investment and Securities Commission.

Ben Savige

Ben Savige

Senior Financial Advisor


After working in the UK Ben returned to Australia to further his financial planning career and has been working as a strategic wealth advisor with the group for over
eight years. Ben is a highly motivated individual who is passionate about his clients achieving financial security and freedom. He brings extensive expertise to Karaco Wealth and a track record of long lasting client relationships for whom he has helped achieve smarter wealth solutions at every stage of their lives.

Ben provide you with strategic advice as well as arrange the types of financial products listed on our website. He can help you to identify the types of services and products that will be appropriate to meet your financial goals. In addition, you can choose whether to receive advice about a range of needs all at once, or we can provide advice about only those needs that are most important to you so that your most important goals are achieved first. Further advice can then be provided over time about any other needs or goals as required.

Advanced Diploma of Financial Services (Financial Planning)

Financial Planning Association®

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Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Legal Disclaimer

Information provided on this website is general in nature and does not constitute financial advice.

Karaco Wealth will endeavour to update the website as needed. However, information can change without notice and Karaco Wealth does not guarantee the accuracy of information on the website, including information provided by third parties, at any particular time.

Every effort has been made to ensure that the information provided is accurate. Individuals must not rely on this information to make a financial or investment decision. Before making any decision, we recommend you consult a financial planner to take into account your particular investment objectives, financial situation and individual needs.

Karaco Wealth does not give any warranty as to the accuracy, reliability or completeness of information which is contained in this website. Except insofar as any liability under statute cannot be excluded, Charter Financial Planning, its employees do not accept any liability for any error or omission on this web site or for any resulting loss or damage suffered by the recipient or any other person.

Unless otherwise specified, copyright of information provided on this website is owned by Karaco Wealth. You may not alter or modify this information in any way, including the removal of this copyright notice.