Joe Kaleb is a chartered accountant and registered tax agent with over 25 years’ experience and holds a Master of Taxation from Sydney University. He runs a Sydney based accounting practice providing a complete range of tax, superannuation and advisory services to business owners and professionals. Joe specialises in complex structures and working with other professionals to assist clients with their wealth and estate planning requirements. He is also the CEO of Australianbiz, a website providing tax and financial management tools for small business owners. Included are monthly SME tax updates, comprehensive templates, including a business plan, marketing plan, employment contract and contractors agreement, a monthly Key Performance Indicators (KPI) calculator and an integrated profit & loss and cash flow budget calculator that automatically works out GST, plus so much more.