Business Details
18 Years
experience
Expert Accounting & Financial Services in Toowoomba
Established in 2008, Ridgway Accounting has built a reputation for delivering expert accounting, tax, and financial advisory services with a focus on client-centric solutions. Our team, led by directors David Ridgway, Todd O'Sullivan, and David Zerk, combines decades of experience in public practice and financial planning to serve individuals and businesses across Toowoomba and regional Queensland.We prioritise transparency, ethical standards, and tailored advice, ensuring clients receive strategic guidance to navigate complex taxation systems, optimise business growth, and achieve long-term financial security. Our commitment to continuous professional development and community engagement underscores our position as trusted advisors in both accounting and wealth management sectors.
Services
Personal Taxation
Business Advice
Financial Planning
Lending Services
Self Managed Superannuation
Wealth Creation
Estate Planning
Business Loans
Investment Strategies
Debt Optimisation
Details
- Year established: 2008
Highlights and features
- We offer over 25 years of combined experience in accounting and financial planning.
- Our team provides tailored strategies to minimise tax and maximise wealth.
- We maintain partnerships with leading financial institutions for competitive lending solutions.
- Our client-focused approach ensures transparent communication and personalised service.
- We combine technical expertise with local market knowledge to support regional businesses.
Associations and certifications
- Count Financial Limited (Authorised Representative)
- Connective Credit Services Pty Ltd (Credit Representative)
What people say
Excellent reports
Proactive way
Peace of mind
Informed decisions
Solid growth
Services
Personal Taxation
We provide comprehensive personal tax solutions, including income tax advice, capital gains planning, and self-managed superannuation strategies. Our team ensures compliance while identifying opportunities to legally minimise tax liabilities. Clients benefit from tailored guidance on negative gearing, estate planning, and wealth protection, supported by accurate return preparation and ongoing advisory support.
Business Advice
Our business advisory services focus on enhancing profitability, tax efficiency, and long-term sustainability. We assist with financial planning, cash flow management, and business structure optimisation. Clients receive strategic support for equipment financing, succession planning, and compliance requirements, ensuring alignment with growth objectives and regulatory standards.
Financial Planning
Ridgway Financial Services offers tailored financial planning to help clients achieve security and long-term goals. Services include investment reviews, retirement planning, and superannuation strategies. We prioritise client education, delivering written plans that address wealth creation, risk management, and tax-effective asset allocation through partnerships with authorised financial institutions.
Lending Services
We facilitate competitive home, investment, and business loans through a panel of accredited lenders. Our team assesses client needs to secure financing with favourable terms, including asset leasing and debt restructuring. Ongoing loan reviews ensure clients maintain optimal borrowing strategies aligned with evolving financial circumstances.
Estate Planning
Our estate planning services focus on minimising tax exposure and ensuring seamless asset transfer. We advise on testamentary trusts, wills, and enduring powers of attorney, combining legal compliance with strategies to protect dependents. Clients gain peace of mind through structured plans that address inheritance, control, and long-term financial security.
People
David Ridgway
Director
David Ridgway, a Chartered Accountant with over 30 years of experience, founded Ridgway Accounting in 2008. He specialises in taxation, business strategy, and self-managed superannuation funds, bringing expertise from public practice and client advisory roles. David's focus on ethical standards and client education drives the firm's commitment to tailored financial solutions.
Todd O'Sullivan
Director
Todd O'Sullivan joined Ridgway Accounting as a partner in 2015, contributing extensive experience in business advisory and financial planning. His expertise in strategic growth and tax minimisation supports clients across diverse industries. Todd's client-first approach ensures solutions align with long-term financial objectives and regulatory compliance.
David Zerk
Director
David Zerk, a Chartered Accountant, brings deep knowledge of accounting and business management to Ridgway Accounting. His focus on client service and technical excellence ensures businesses receive strategic advice for growth and compliance. David's collaborative approach strengthens the firm's ability to deliver comprehensive financial solutions.
Questions
What accounting services do you offer for small businesses?
We provide tax returns, GST compliance, business structure advice, bookkeeping, and strategic planning to optimise profitability and tax efficiency.
How can you help with self-managed superannuation funds (SMSFs)?
Our SMSF services include setup, compliance, investment strategy, and tax planning to ensure regulatory adherence and long-term fund growth.
Do you offer financial planning for individuals?
Yes, we provide tailored financial planning for retirement, wealth creation, and risk management through partnerships with authorised financial institutions.
What lending options are available for first-home buyers?
We connect clients with competitive home loan products, offering guidance on grants, fixed/variable rates, and strategies to accelerate repayments.
How do you support business succession planning?
We assist with buy/sell agreements, key person insurance, and tax-efficient exit strategies to ensure smooth business transitions.
