What It’s Like to Plan Your Accounting and Tax Strategy with Ross at Cosca

Article Summary 

EOFY doesn’t need to be stressful — especially when you’ve got the right expert by your side. This article takes you inside the Cosca experience, showing what it’s like to work with Director Ross Girgenti on your accounting and tax planning ahead of 30 June. From proactive strategy to hands-on support and real savings, we walk through the value Cosca brings to your business when it matters most. 

Setting the Scene: EOFY Isn’t Just a Deadline, It’s a Strategy 

As EOFY approaches, many business owners are focused on wrapping up the year — lodging forms, checking reports, managing payroll. But what if this time of year could do more for your business than simply meet compliance? 

At Cosca, we believe EOFY is a powerful opportunity to strategically reduce tax, improve your accounting systems, and reset for the year ahead. 

“Most of the time, our clients don’t realise the full benefits of what our accounting and tax planning achieves for them. It’s not just about reducing their tax bill for the current year — it’s the compound impact over many years that truly makes a difference. Through strategic savings, smart investment decisions, and future planning, we help set them up for long-term success. It’s incredibly rewarding to see clients genuinely happy with their tax outcomes.”  — Ross Girgenti, Director at Cosca 

Meet Ross: The Strategic Mind Behind Your EOFY Planning 

When you work with Ross, you’re not just getting compliance — you’re getting: 

• A complete review of your accounting position 

• Accurate profit forecasting and tax projection 

• Practical advice on structure, cash flow, and compliance risks 

• Personalised strategies tailored to your business size, sector, and future goals 

Ross knows the value of simplicity — but also where complexity matters. Whether your business is in trade, retail, agriculture or services, he focuses on the details that move the needle. 

A Day in the Life: What It’s Like to Plan Your EOFY with Cosca 

Here’s what the EOFY planning experience with Ross typically looks like: 

Step 1: Accounting Review & Tax Forecast 

Ross starts with a full review of your accounting file. From here, he builds a clear projection of your taxable income, expected liabilities, and cash flow. If you’re a company director, this is where strategies like Director Bonuses, Division 7A loan management or shareholder distributions are discussed. 

Step 2: Strategy Development 

Based on your forecast, Ross presents you with options to reduce tax, boost superannuation, or prepay expenses. You’ll receive a tailored plan that’s tailored not just for your business but with your whole situation in mind — not generic advice — designed to work with your business and personal goals. 

Step 3: Structure & Compliance Check 

Ross and the team will review your business structure and ensure any risks are addressed, including: 

• Division 7A loan compliance 

• Trust distribution planning 

• Company profit allocation 

• Super and payroll obligations 

Step 4: Implementation & Action Plan 

Ross ensures everything is actioned in time — from lodging relevant forms to scheduling contributions and adjusting accounting entries. The team keeps you informed and on track. 

The Cosca Difference: Why Clients Keep Coming Back 

Working with Ross and the Cosca team means: 

• Real tax savings — some clients save tens or even hundreds of thousands annually 

• Better accounting systems — we help clients move from manual to automated workflows 

• Peace of mind — your obligations are met, your risks are managed 

• Strategic clarity — so you’re not just compliant, you’re in control 

EOFY isn’t just an event — it’s an investment in the next phase of your business growth. 

Key Focus Areas in EOFY Accounting and Tax Planning 

• Super contributions — leveraging caps and catch-up options 

• Asset purchases — using the $20,000 instant asset write-off 

• Structure reviews — assessing if your current setup still fits 

• Bad debts & stock write-offs — cleaning up the books for the new year 

• Software & systems — upgrading to streamline EOFY processes 

📌 If you’re a primary producer looking for EOFY strategies specific to agriculture or regional operations, read our EOFY 2025 Accounting and Tax Planning Guide for Primary Producers 

EOFY FAQs 

How soon should I start EOFY planning? 

Ideally in April–May — that’s when forecasting and flexibility have the most impact. 

Is tax planning worth it for smaller businesses? 

Yes. Even small businesses can save significantly when they structure things right and plan proactively. 

Can Cosca help me automate my accounting? 

Absolutely. Many EOFY planning sessions include reviewing your accounting software, processes and reporting — and we can recommend improvements.

Want support with your accounting and finances? Ross and the team are ready to support you! 

EOFY doesn’t need to be rushed or stressful. With team at Cosca you will be guided through your accounting and tax planning, you’ll finish the year confident, compliant, and ready for what’s next. 

Let’s turn tax time into an opportunity. 

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