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In my interactions with clients, I often come across small business owners who are facing numerous challenges. They are focused on marketing their business, attracting customers, and honing their expertise. Invoicing and tax tend to take a back seat, as the business owner’s immediate priority is..
Read ArticleKeeping on top of the tax obligations for your business is obviously important. You want to make sure you pay the correct amount of tax, and pay it on time to avoid penalties with the IRD. This is not difficult, especially with the help of..
Read ArticleOne of the confusing things I speak to clients about is the types of tax they have to pay that are related to their income: •Income tax•Residual tax •Provisional tax •Terminal tax It can be hard to get your head around what each type of tax is and when..
Read ArticleWe find that a lot of our clients get very confused about what drawings are. And with good reason – it’s a complicated area. Most tend to think that drawings taken by a shareholder from a company are the same thing as their wage or..
Read ArticleApart from a few special rules, any cost necessary to run your business will probably be tax deductible. However, there are a few things to be aware of - some items that you might assume could be claimed can't be, and conversely, there may be others..
Read ArticleFrom time to time clients contact us to ask what their employees are entitled to with regard to annual leave and sick leave. This is obviously an important thing to get right, for both employers and their staff. The Labour Party made a promise before the..
Read ArticleHopefully the “post-Covid” reference in the title is not tempting fate, but at the time of writing New Zealand appears to be in an enviable position in terms of control of the public health side of the Covid pandemic. However, battling through the economic fallout..
Read ArticleSince 2009, the Inland Revenue Department has been cracking down on industries known to pay workers under the table (i.e. undeclared cash payments). According to an article in the NZ Herald in April 2018, New Zealand is missing out on about $800 million in its annual tax take..
Read ArticleDepreciation is the reduction in value of an asset over time due to wear and tear. In New Zealand, the Inland Revenue Department (IRD) allows depreciation on certain items to be claimed as a type of expense for income tax, so it is beneficial to..
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Testimonials
It is my pleasure to write a testimonial with regards to the nomination of the professional trustee team at Gilligan Rowe and Associates, as a finalist for New Zealand Corporate Trustee of the year. They have acted as a professional trustee for my trust for many year now. I have been thoroughly impressed by their level of knowledge, professionalism, honesty and integrity in all my dealings with them. In addition, through their regular client seminars that I have attended, I have been very impress by the thoughtful critiques of cases and changes in the direction of trust law, and their possible impact on me. I can recommend them without hesitation. Sincerely - BV
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Gilligan Rowe and Associates is a chartered accounting firm specialising in property, asset planning, legal structures, taxation and compliance.
We help new, small and medium property investors become long-term successful investors through our education programmes and property portfolio planning advice. With our deep knowledge and experience, we have assisted hundreds of clients build wealth through property investment.
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Property strategy meeting
Meet with one of our senior property consultants to discuss your long-term plans for property investment and formulate a strategy for achieving them.
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Events and courses
We offer both online and in-classroom education to help you move forward with your property investing.
- Property Investment & Education seminar - market commentary and introduction to property investment strategies that are effective in the current environment. This free event is available on demand online, or via live Zoom webinar.
- Property School 7-module online course, available on demand online and from time to time via live Zoom webinar.
- Property Development School, online course with over 20 hours of video on how to develop residential property.
- Online resources, including video content, articles and quizzes.
Online apps
Wealth Suite is a powerful online learning, analysis, planning and forecasting resource. There are four key components, and you can choose to use one, some or all of them.
Wealth Tracker
• Cash flow analysis for home, property and business • Overview of total equity, debt and market value of assets • Analysis of home expenses and income
Wealth Forecaster
• Set retirement goals. • Analyse when you will be able to retire based on your current path. • Input 'what if' scenarios and see how they impact when you will reach your goals (e.g. what if I buy two investment properties in the next five years?)
Property Analyst
Property analysis calculators for current and future investments, including: • Trade (flip) • Buy-to-hold• Subdivision• Land banking• Houses of multiple occupancy (HMOs).• Due diligence tool
Resources and Learning
Videos, articles and quizzes related to
property taxation, and asset protection
to further your education
Research Tools
Access to Property Guru and RPMZ, the analysis tools used by property professionals
(discounted rate negotiated by GRA and NZPM for our clients).
Accounting and tax structures
If you are new to Gilligan Rowe & Associates, we can offer you a free initial meeting with a senior consultant to review your current structure and discuss your accounting needs. In this meeting we will discuss ways to optimise tax and protect your assets so you are in the best position going forward.
Request a Meeting
Tax & Property Videos
Free to view videos on property, tax, finance and related topics, recorded from live GRA webinar events and presentations
Educational books
Written by GRA managing director Matthew Gilligan, we offer two books:
$45 incl GST
By Matthew Gilligan
If you want to know how to invest in residential property in a way that maximises your chances of success and minimises risk, this is the right book for you.
Matthew Gilligan provides a fresh look at residential property investment from an experienced investor’s vi..... More
$40 incl GST
By Matthew Gilligan
Interested in paying less tax, property investment structures, trusts and protecting your assets? This is the right book to read.
Try asking two lawyers and two accountants "How should I own my property and business assets?" You will likely get four different ans..... More
Insurance alliances
Insurance is a necessary part of mitigating risk – both for your properties and for yourself personally. GRA recommend these insurance providers. Contact them to find out more and to get no-obligation quotes.
Initio. House, contents, landlord, and car insurance.
Learn more and get an instant quote
Risk Direct Personal risk insurance (health, life, income protection etc.)
For a free risk assessment visit www.riskdirect.co.nz
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Free Resources, Tools & Downloads
Introduction to Property Investment
How to use residential property to help provide for retirement
Why Smart Investors are Gearing Up Right Now
With Matthew Gilligan and Steve Goodey August 2024
Property, Tax & Finance Update
Market insights with Matthew Gilligan, Kris Pedersen, Anthony Lipscombe, and Tony Alexander - June 2024
Navigating DTI Challenges
Blandon Leung of MortgageHQ interviews Matthew Gilligan, May 2024
Impact of DTIs and Tax Update
Webinar with Matthew Gilligan and Steve Goodey, February 2024
Property Investment, Asset Protection & Inheritance
Ryan Melton of NZ Business Owners Podcast interviews Matthew Gilligan
Should You Invest In This Market?
Blandon Leung of MortgageHQ interviews Matthew Gilligan, November 2023
Election Special 2 – National
Matthew Gilligan interviews National’s Paul Goldsmith and Chris Bishop about National’s proposed policies, September 2023
Election Special 1 – Act
Matthew Gilligan interviews David Seymour about Act’s proposed policies, September 2023
Finance Update
Matthew Gilligan and Kris Pedersen discuss finance for property investors, August 2023
Tax Update
Matthew Gilligan and Anthony Lipscombe discuss tax changes and policies, August 2023
Property Zoning & RMA Update
Simon O’Connor interview. Planning rules and Labour’s proposal to scrap RMA, August 2023
Economic & Property Strategy Update
Economic update from Tony Alexander; Matthew Gilligan discusses the market, July 2023
Trust Tax Rate to 39% Webinar
Matthew Gilligan and Anthony Lipscombe discuss implications of new 39% trust tax rate
Trusts and Tax Webinar
How to protect your assets and minimise your tax
CCCFA – Amendments and Implications
Matthew Gilligan, Lyn McMorran & Kris Pedersen, March 2022
RMA Changes Webinar
Matthew Gilligan & Simon O’Connor discuss RMA changes, Nov 2021
Year End Prepping Webinar
Preparing for the end of the financial year, March 2023
Tax Changes Webinar
Tax Changes & Property Market Update 27 Oct 2021 Webinar
David Seymour Interview
Matthew interviews David Seymour, April 7 2021
Tax and Property Update
Impact of Bright-line & Interest Deductibility Changes, March 2021
Trust Update
Webinar with John Rowe August 2020
Matthew Gilligan & Mark Honeybone
The importance of good property education
Free Property Investment Seminars
Discover how to start and succeed in property investing
Request a meeting
Arrange to meet in-person or online to discuss your affairs
Disclaimer
With respect to the various resources available from our website, neither Gilligan Rowe & Associates LP (“GRA”), nor its owners nor any of its employees, make any warranty, express or implied, including warranties of merchantability and fitness for a particular purpose, or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, product, or process. GRA will not be liable for any problems or damages of any kind experienced by users of GRA’s online materials, resources or tools. The information and resources from or through this site are provided “as is,” “as available,” and all warranties express or implied, are disclaimed. The information or tools may contain errors, problems or other limitations. Our sole and entire maximum liability for inaccurate information, for any reason, and the user's sole and exclusive remedy shall be limited to the amount paid for the information, tool or other resource (if any). GRA are not liable for any indirect, special, incidental or consequential damages whatsoever.