At MS Financial Services, we are more than just accountants; we are your trusted financial partners, combining professional expertise with a genuine understanding of where you come from. Founded by Madhav Ghimire CA and Suraj Poudel CA, two friends from Nepal who went on to build careers at Big 4 and mid-tier accounting firms, our practice was shaped by over a decade of hands-on experience advising businesses with turnovers exceeding $100 million. We bring that same calibre of expertise to the Nepali community in Australia whether you have just arrived or have been building your life here for years.
Managing your finances as a Nepali living in Australia involves challenges that most accountants simply aren’t equipped to address; from overseas income and inheritances to navigating ATO obligations while maintaining financial ties to Nepal. At MS Financial Services, we understand those challenges from the inside. Our approach is to give you clear, practical advice without the jargon, so you always know where you stand and what your options are. You will never need to spend time explaining your background before we can help; we already understand it. Our role is to guide you confidently through every financial decision.
We offer a comprehensive range of accounting, tax, business advisory services and mortgage brokerage services for individuals, families, and business owners across Australia. Whatever your situation, we have the expertise to help. Our services include:
Running a business means staying on top of your numbers and that takes more than just good intentions. We handle accurate bookkeeping, BAS preparation, payroll, and financial reporting so that Nepalese-owned businesses, from cafes and restaurants to retail stores, remain compliant and financially organised. When your books are in order, everything else runs more smoothly.
The right accounting software makes a real difference to how clearly you can see your business. We set up and integrate cloud accounting solutions including Xero and MYOB; so that Nepalese business owners in hospitality, construction, and other industries have real-time financial visibility and can make informed decisions, wherever they are, from Australia to Nepal.
Tax obligations in Australia are complex enough on their own and they become even more layered when you have income, assets, or family ties overseas. We manage tax returns, GST, BAS, and PAYG compliance for Nepali residents and business owners, including foreign income declarations, overseas asset reporting, and minimising tax on remittances to Nepal, all while keeping you fully compliant with ATO requirements.
Starting or growing a business requires more than ambition; it requires the right structure, sound financial planning, and a clear understanding of risk. We work with Nepali entrepreneurs and established business owners on everything from initial setup and entity structuring to asset protection and long-term financial forecasting, helping you build and protect your wealth at every stage.
A self-managed super fund can be a powerful vehicle for building retirement wealth but only when it is set up and managed correctly. We guide Nepali migrants through SMSF establishment, ongoing compliance, and investment strategy, including property and shares, with particular attention to the considerations that apply when you have financial connections to Nepal.
Not every business needs a full-time CFO, but every growing business needs strategic financial thinking. Our Virtual CFO service gives Nepali-owned businesses from restaurants and hospitality venues to construction firms; access to high-level financial advice, cash flow management, and investment planning, without the cost of an
in-house executive.
Borrowing is not just about getting approved; it is about structuring your finance in a way that supports your broader financial goals. As independent mortgage brokers with a tax-focused perspective, we help Nepalese families and business owners access home loans, investment loans, and SMSF property loans, structured to reduce tax liability and build long-term wealth in Australian property.
Nepali doctors, clinic operators, and allied health professionals face specific tax risks that general accountants often miss. We provide specialist structuring advice, covering PSI rules, service trust arrangements, PAYG planning, and asset protection, to ensure your practice is both compliant and tax-efficient.
The hospitality industry is one of the most active sectors within the Nepali community in Australia. We support Nepali cafés, restaurants, and venue owners with tax structuring, business acquisitions, GST on food items, and depreciation claims for fit-outs and equipment, helping you run a financially sound operation from day one.
Construction and trades involve a unique set of tax and compliance obligations that can catch business owners off guard. We provide expert guidance to Nepali builders, tradies, subcontractors, and project managers on GST for progress claims, subcontractor payment compliance, and structuring to protect your personal assets from business risk.
Whether you operate a Nepali-owned retail store or sell online through platforms like Shopify, eBay, or Amazon, we provide tax advice that is specific to your business model covering GST on imports, trading stock rules, and software integrations that keep your records accurate and your compliance obligations manageable.
Nepali IT contractors, digital service providers, and tech startups face their own set of financial and structural considerations. We help with R&D tax incentives, ESIC eligibility assessments, and IP structuring so that your business is positioned for sustainable growth and ready for investment when the time comes.
Legal practitioners, migration agents, and lawyers from Nepali backgrounds operate in a heavily regulated environment with specific accounting requirements. We provide comprehensive support including trust account compliance, partnership structuring, Division 7A reviews, and long-term succession planning, giving you confidence that your practice is built on solid financial foundations.
Property investment is one of the most common paths to long-term wealth for Nepali Australians and the tax and lending decisions you make early can significantly affect your returns. We advise Nepali property investors on CGT planning, trust structures, and deductible loan structuring, with a focus on building a portfolio that performs over the long term.
NDIS and home care businesses operate within a complex regulatory environment, and the tax treatment of funding, benefits, and employment arrangements requires specialist knowledge. We work with Nepali care providers and NDIS business owners to manage GST on funding, FBT considerations, and the structural decisions that reduce risk and maintain compliance.
For more detailed information on each service, visit our dedicated service pages.
Madhav Ghimire is a Nepali Chartered Accountant (CA ANZ), Registered Tax Agent, and co-founder of MS Financial Services. With over ten years of experience, he advises individuals, property investors, and businesses with turnovers exceeding $100 million across a wide range of industries, with deep expertise in Australian taxation, business structuring, and SMSF administration.
Born in Nepal and professionally trained in Australia, Madhav understands firsthand the financial complexity of building a life across two countries. He works closely with Nepali clients on tax returns, business setup and structures, SMSFs, and long-term financial planning, delivering clear and direct advice that cuts through the complexity. He holds a Master of Professional Accounting and Chartered Accountancy both completed in Australia.
Suraj Poudel is a Nepali Chartered Accountant (CA ANZ), Licensed Mortgage Broker, and co-founder of MS Financial Services. With over a decade of experience across Big 4 accounting firms, he supports high net worth individuals, SMEs, property investors, and managed funds, combining expertise in Australian taxation, business advisory, and lending in a single integrated service.
Suraj offers Nepali clients something rare: a single point of contact for both tax and lending. Whether buying a first home, financing an investment property, or refinancing to free up capital, his integrated approach ensures every financial decision is structured for long-term tax efficiency and wealth growth. He holds a Master of Professional Accounting and Chartered Accountancy both completed in Australia.
Madhav Ghimire is a Nepali Chartered Accountant (CA ANZ), Registered Tax Agent, and co-founder of MS Financial Services. With over ten years of experience, he advises individuals, property investors, and businesses with turnovers exceeding $100 million across a wide range of industries, with deep expertise in Australian taxation, business structuring, and SMSF administration.
Born in Nepal and professionally trained in Australia, Madhav understands firsthand the financial complexity of building a life across two countries. He works closely with Nepali clients on tax returns, business setup and structures, SMSFs, and long-term financial planning, delivering clear and direct advice that cuts through the complexity. He holds a Master of Professional Accounting and Chartered Accountancy both completed in Australia.
Suraj Poudel is a Nepali Chartered Accountant (CA ANZ), Licensed Mortgage Broker, and co-founder of MS Financial Services. With over a decade of experience across Big 4 accounting firms, he supports high net worth individuals, SMEs, property investors, and managed funds, combining expertise in Australian taxation, business advisory, and lending in a single integrated service.
Suraj offers Nepali clients something rare: a single point of contact for both tax and lending. Whether buying a first home, financing an investment property, or refinancing to free up capital, his integrated approach ensures every financial decision is structured for long-term tax efficiency and wealth growth. He holds a Master of Professional Accounting and Chartered Accountancy both completed in Australia.
As a Nepali-owned accounting firm, we are deeply familiar with the financial realities facing the Nepali community in Australia. Whether you are managing overseas income, navigating the tax implications of owning businesses in both Nepal and Australia, or simply looking for an accountant who understands your situation without needing it explained, we are the team for you. We have worked with Nepali clients across hospitality, construction, healthcare, IT, and many other sectors, and our advice is both technically sound and culturally relevant.
Cultural Understanding: Being a Nepali-led firm means we understand the financial priorities, family obligations, and cross-border complexities that are common within our community. You walk in as a client and leave feeling genuinely understood.
Our team brings together deep knowledge of Australian accounting standards and the financial nuances specific to Nepali residents. That combination allows us to provide advice that is technically rigorous and practically relevant to your situation.
Our office is based in Melbourne, but we work with Nepali clients right across Australia. If you are in Sydney, Brisbane, Adelaide, Darwin, Tasmania, Perth, or anywhere in between, we offer remote consultations by Teams or phone so that distance is never a barrier to good advice.
With more than a decade of professional experience, including senior roles at Big 4 and mid-tier accounting firms, Madhav and Suraj bring a level of technical depth and professional integrity that you would expect from the country’s leading practices delivered with a personal, community-focused approach.
Your financial information is treated with the same level of care and discretion we would want for our own. Client confidentiality is not just a professional obligation; it is a personal commitment.
Your first consultation with MS Financial Services is completely free and comes with no obligation. Whether you need help with a personal tax return, are thinking about starting or growing a business, or want to explore your SMSF options, we are ready to help. We will listen, understand your situation, and give you practical advice you can act on.
Contact us today to book your free consultation:
We offer remote consultations for Nepali clients throughout Australia. Wherever you are located, our team is ready to assist with all your accounting and financial needs.
Yes, Madhav Ghimire and our team are Nepali-speaking. While our accounting services are conducted in English, you are always welcome to ask questions or have conversations in Nepali when that feels more natural. In an accounting context, this matters more than people realise; a misunderstood question about your income, expenses, or overseas assets can lead to an incorrect lodgement. Being able to communicate clearly in your own language is not just a comfort, it is a practical safeguard that protects you.
Yes. We provide complete business setup support, including ABN application, business name registration with ASIC, GST registration where your turnover requires it, and advice on the right structure before you register. Choosing between a sole trader, company, or trust structure is one of the most consequential decisions you will make as a new business owner and it is very difficult to unwind later without cost. We take the time to understand your income level, growth plans, and risk profile before making a recommendation, so that the structure you register with is the right one from the start.
Yes. MS Financial Services is a Registered Tax Agent with Australia’s Tax Practitioners Board (TPB). Under Australian law, only registered tax agents are permitted to charge for preparing and lodging tax returns or providing tax advice on behalf of clients. Both Madhav and Suraj are also members of Chartered Accountants Australia and New Zealand (CA ANZ), the peak professional body for Chartered Accountants in Australia. You can verify their registrations directly at tpb.gov.au and the CA ANZ website. Suraj is additionally a licensed mortgage broker, giving him the ability to provide integrated tax-edge loan structuring alongside his accounting advice.
Yes. While our office is based in Niddrie, Melbourne, we work with Nepali clients right across Australia through online consultations via Teams and phone. We currently serve Nepali individuals and business owners in Sydney, Brisbane, Adelaide, Perth, and all the other parts of Australia. All documentation is managed securely online; tax returns, business financials, and supporting documents can be shared digitally with ease. If you live in a city or regional area where there is no local Nepali-speaking accountant, we can step in as your dedicated team, regardless of where you are located.
