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Melbourne · Registered Tax Agent Practice

Tax, BAS
& financial
viability, handled.

Strategy
Structure
Stability

SKG Financial Services is a Melbourne-based practice providing tax returns, BAS lodgements and ASQA Financial Viability Risk Assessments for RTOs and CRICOS providers — building on over a decade of compliance expertise at SKG Consulting Services.

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Individual Tax Returns Business Tax Returns BAS & IAS Lodgements ASQA Financial Viability Tool FVRA Submissions RTO Board Reporting TPS Reconciliations CRICOS Advisory CPA Australia Member Chartered Accountant Individual Tax Returns Business Tax Returns BAS & IAS Lodgements ASQA Financial Viability Tool
Practice Note 01
No.01

We are a women-led financial services practice grounded in technical precision and regulatory fluency — founded by a Chartered Accountant and CPA Australia member with a decade inside Australia’s most scrutinised compliance environment: the vocational education sector.

That background shapes how we work. Every return, every BAS, every financial viability submission is treated as an auditable document — structured, defensible, and built to withstand regulatory review.

Sister practice · SKG Consulting Services
Services · 2026

What we do.

Two practice areas, one standard. General tax and business compliance for everyday clients — plus a dedicated RTO & CRICOS financial services specialism for the training sector.

i.
Tax Returns — Individual & Business
End-to-end tax preparation. Personal returns for salary earners, sole traders, rental property investors, share traders and expats — plus business returns for companies, trusts, partnerships, with Div 7A, trust distributions, small business concessions and structuring advice. Delivered by a Chartered Accountant and Registered Tax Agent.
Personal Pty Ltd Trusts
ii.
BAS & IAS Lodgements
Monthly, quarterly or annual. GST reconciliation, PAYG withholding, PAYG instalments, FBT instalments and fuel tax credits — reviewed, reconciled to your books, and lodged on time through the ATO portal. Available as a standalone service or bundled with monthly bookkeeping.
GST PAYG Quarterly
iii.
RTO & CRICOS
Financial Services
Our specialist practice. A dedicated financial services arm for Registered Training Organisations and CRICOS providers — ASQA Financial Viability Risk Assessments (FVRA Tool), ongoing RTO bookkeeping, board and management reporting, TPS reconciliations, and business structuring for new and established providers.
FVRA RTO CRICOS
iv.
ASQA Financial
Viability Tool
Our flagship deliverable. Complete FVRA Tool preparation for initial registration, CRICOS endorsement, material change, or regulator request. Three-year forecasts, assumption schedules, management accounts, and director’s statement — calibrated to withstand regulatory scrutiny.
FVRA ASQA Audit-ready
Specialist Practice Area

The ASQA Financial
Viability Tool, done right.

Applying for initial registration, adding a CRICOS endorsement, or responding to a regulator request? The FVRA is rarely the reason an application succeeds — but it is often the reason one is delayed. We prepare submissions that meet ASQA’s evidentiary threshold first time: complete, internally consistent, and defensible against scrutiny.

Read the FVRA process →
  • ASQA Financial Viability Tool preparation
  • Three-year forecasts & assumptions
  • Management accounts & reconciliations
  • Director’s statement & supporting narrative
  • Response to regulator RFI (Request for Information)
  • Ongoing FV monitoring for existing RTOs
RTO & CRICOS practice

Financial services, built for training providers.

RTOs are unique businesses: tuition-based revenue recognition, trust accounts, VSL / Fee-HELP obligations, multi-campus cost centres, and a regulator that reads the numbers. Generic accountants can miss the context. We don’t.

The Melbourne practice pairing qualified tax & accounting with hands-on RTO compliance consulting — under one roof.

SKG Consulting Services →
Standards for RTOs 2025
ASQA · CRICOS · ESOS
SKG Financial Services →
Tax · BAS · FVRA · Accounting
01 · FVRA

Financial Viability Risk Assessment

Complete FVRA Tool preparation for initial registration, CRICOS endorsement, material change, or regulator request. Three-year forecasts, assumption schedules, management accounts, and director’s statement.

Initial Renewal RFI
02 · Reporting

RTO Board & Management Reporting

Monthly or quarterly reporting packs tailored to RTO governance needs — P&L by campus or course, cash flow vs forecast, enrolment-linked revenue analysis, and ASQA-facing viability indicators.

Board Governance Forecasts
03 · Accounting

Ongoing RTO Accounting & Tax

Bookkeeping, GST and BAS, payroll oversight, year-end accounts, and annual tax returns for your RTO entity. Xero-compatible. Structured chart of accounts aligned to RTO revenue and cost realities.

Xero BAS Year-end
04 · Set-up

RTO Business Set-up & Structuring

Entity selection and structuring for new RTO applicants, working capital planning, bank-grade three-year forecasting, and pre-lodgement FVRA stress-testing.

Structuring Forecast Capital
05 · TPS

TPS Management & Reconciliation

Tuition Protection Service obligations for CRICOS providers — annual TPS return preparation, levy calculation and payment, student-fee reconciliations under the ESOS framework, and advisory on reportable changes.

CRICOS ESOS Levy
FVRA engagement · typical timeline

From brief to sign-off in 8 – 12 working days.

Turnaround depends on how quickly we receive your operational and financial inputs. The sequence below is typical for a standard RTO engagement. CRICOS and RFI responses vary.

Day 1
Brief
Initial meeting

Scope the engagement, walk through our FVRA Client Input Template, and confirm what evidence you’ll need to gather.

SKG · Client
1 – 5
Prepare
Information gathering

You compile the operational and financial inputs against our template; we’re on-call for questions throughout.

Client
6 – 7
Review
Finalise & test

We review the data, flag inconsistencies, stress-test assumptions, and work with you to lock the final numbers.

SKG · Client
Day 7
Sign-off
Client approval

You formally sign off on the locked operational and financial inputs before we build the submission.

Client
8 – 12
Deliver
Tool & sign-off

Financial modelling, FVRA Tool preparation, Chartered Accountant review and sign-off, ready for lodgement.

SKG
Why SKG Financial

Credentialed. Contextual. Considered.

Plenty of firms lodge tax returns. Very few can speak fluently to both the ATO and ASQA — and fewer still understand the operational reality of running a training organisation.

01

Chartered credentials

Practice led by a Chartered Accountant (ICAI) and CPA Australia member, TPB Registered Tax Agent. Your tax and financial work is reviewed and signed off by a qualified accountant — not outsourced, not junior-prepared.

02

Regulatory fluency

A decade inside Australia’s RTO and CRICOS compliance environment gives us unusual depth on ASQA expectations — translated directly into how we prepare and defend financial viability submissions.

03

Documentation discipline

Every engagement produces files that are auditable from day one. Working papers, reconciliations, and substantiation are organised the way regulators expect to see them — not the way they usually arrive.

20+
Years combined
senior practice
TPB·
Registered Tax Agent
#26058776
ISO9001
Lead Auditor
certified
AU·Wide
Serving clients
in every state
The Practice · 2026

Who you work with.

A senior-led practice of Chartered Accountants and compliance specialists — combining decades of audit, tax, and regulatory experience across India, the UK, and Australia.

01
Khushboo Gupta — Principal, SKG Financial Services
Khushboo Gupta
Principal · Founder
Chartered Accountant CPA Australia Tax Agent · 26058776 ISO 9001 Lead Auditor

Khushboo founded SKG with a finance-first approach to regulatory practice. A Chartered Accountant (ICAI, since 2006), CPA Australia member, TPB Registered Tax Agent, and ISO 9001:2015 Lead Auditor, she brings nearly two decades of practice across tax, audit, financial reporting, and education compliance — underpinning SKG’s signature approach: technically rigorous work, delivered with regulator-ready documentation.

TPB · 26058776 LinkedIn ↗
02
Pallavi Gupta — Senior Consultant, SKG Financial Services
Pallavi Gupta
Senior Consultant · Audit & Assurance
Chartered Accountant 14 Yrs UK & India

Pallavi brings fourteen years of audit and accounting practice across India and the United Kingdom — including Big 4 audit at Deloitte, followed by senior roles at Fidelity, BNP Fund Services, Ocorian Fund Services and Langham Hall. Her background in fund accounting, financial reporting and regulatory compliance for financial services firms gives SKG clients access to a level of technical rigour typically reserved for institutional engagements.

Audit · Assurance · Reporting LinkedIn ↗
Meet the full team →
How we work

A measured process.

Whether the deliverable is an individual return or a full FVRA package, the sequence is the same: scope clearly, prepare thoroughly, review carefully, lodge confidently.

i
Consultation

Free 20-minute call to scope your engagement, confirm pricing, and identify any risk areas upfront.

ii
Engagement

Clear engagement letter, secure document portal, and a named point of contact from day one.

iii
Preparation

Work completed by qualified staff, reviewed by the principal, with working papers retained in structured form.

iv
Lodgement

Sign-off, lodgement, and a written summary of what was filed, what’s next, and what to watch for.

Let’s talk about your numbers.

Twenty minutes. No cost. A clear answer on whether we’re the right fit for your tax return, BAS cycle, or FVRA submission — and what it would cost to get it done properly.

Book a consultation → Call +61 409 983 643
Practice Details
Office
530 Little Collins Street
Melbourne VIC 3000
Direct
+61 409 983 643
Email
info@skgconsulting.com.au
Hours
Mon–Fri · 09:00–18:00 AEST