Client Testimonials

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Client Testimonials

"7 years ago our lives were stressful, we had two major issues:

  1. We were working too hard IN our business and not enough ON it.
  2. Compliance and paperwork was a major problem and we struggles to keep up during a growth phase.
We knew we needed to do something about it - and this is when we were first referred to xpal. Carmelina Zollo and her team at xpal tax & accounting have been looking after our tax and accounting affairs for the last six years. Over that time our business has grown significantly and xpal have always handled our every query efficiently and with integrity. Whether it is cash flow, growth, finance, bookkeeping, or restructures, the team at xpal has been able to set me on the right path. They don't just prepare our tax - xpal is my first port of call for anything that is business related, and they always steer me in the right direction.

We have been able to manage our growth and stay on top of our compliance, as well as start to enjoy life more with the guidance of the team at xpal. They are not just about the numbers, and are always there to lend an ear on any topic - something with I am grateful for and have never experienced elsewhere.

I look forward to working more closely with Carmelina and the team to grow my business and maximise my exit price so that i can live a happy retirement.

Phil McKeough
McKeough Investments Pty Ltd


"Being in property for most of my working life, I had a pretty clear strategy of purchasing property in super.

I started my own SMSF just over five years ago, but there was a major problem - the tax laws at the time didn't allow SMSFS's to borrow. This forced me to seek some help, as I didn't know what to do. I was referred to xpal by a mutual friend. They sat me down, listened to my concerns, and came up with strategies to overcome the 'no borrowing' rules.

It's amazing what you can do when you talk to someone in the know!!

The team at xpal established the necessary structures that I needed to enable me to purchase property through super. They did it quickly and were in discussions with my finance broker and convincer the entire time to ensure a smooth process up to settlement date. And on the accounting side of things, xpal just make it happen, managing the process from raw bank statements right through to coordination my annual audit requirements.

I now have four properties in super in just 5 years and know that I can rely on xpal to maintain my annual reporting requirements and establish any new structures I need going forward.

Jenny K
JFK Real Estate Super Fund


"Xpal has been a great a help for Bakers Delight Mount Gambier over the past 5 years. Their understanding of the ATO system allows them to find the best possible result for us personally as well as for our business and our tax situation is therefore impressive. I love the tax planning we discuss a couple of months before the end of financial year which assists me in fine tuning any issues before the end of June and in turn gives us a good indication of what tax liabilities we may have going forward.

We have loved working with everyone from Xpal as they are extremely professional and have made our accounting obligations easy as they can take care of everything."


Mark Jensen
Franchisee. Bakers Delight Mount Gambier


"We are multi‐site owners operating 3 bakeries and have found it extremely difficult keeping on top of our book keeping while running the bakeries. We first met Carmelina from Xpal Tax & Accounting in May 2016. Our previous Accountant whom we had been using for 12 years had left our financials in such a huge mess which caused us nothing but stress and heartache. We took up Carmelina's offer to help us by cleaning up the mess we were in. Now almost 1 and half years later we are extremely happy and can rest assured that our accounts and book keeping are in order. We never want to find ourselves in the mess we were in before. Carmelina's book keeper has shown us a few tips which we can use for entering invoices etc into MYOB. Carmelina designed an accounting package which suited our needs she has also helped us with our BAS, payroll tax and helping source additional finance to enable us to refurb one of our bakeries. We highly recommend Carmelina from Xpal Tax & Accounting she has been instrumental in us moving forward."

Ian & Michelle Faneco
Franchisee. Bakers Delight Welland Plaza
"Our company has been experiencing considerable double digit growth over the past few years and coming along with this growth is the need for strong and reliable Accounting supports.

The engagement of Carmelina and xpal some years back has been quite outstanding and the advice given to us has proven to be concise, credible and in all instances very timely, to allow us to make business decisions that will form the accounting background needs of GELCOservices. They are excellent listeners and have insight into where we are heading.

We greatly appreciate this personal involvement in assistance to best manage our accounting requirements and systems to be enabled. In particular we recognise the manner in which you are able to "assimilate" with our Management Team and look forward to supports that may be required for the next phase of our growth.

Carmelina, you are a credit to xpal and it is a real pleasure to have someone listening and available to help us out in times of question on practices, compliance or needs. Thank You "


Robert & Christine Gell
Owners, GELCO Services
"I have been a client of Carmelinas' for a few years now and am writing this as a testament to her level of detail and exceptional customer service. When my husband and I brought our business to xpal we were introduced to Carmelina who very quickly earned our trust. She was honest from the word go.

Carmelina very quickly identified errors in what my previous accountant had done and amended our returns which resulted in additional refunds for us, enabling us to pay off some of our ATO debts and superannuation obligations.

I know look after the books myself, with Carmelina's help. My ATO debts are paid off. I have moved my bookkeeping system back to MYOB which is what I am familiar with and I feel I have greater control of my business. And we are taking holidays and renovating our house. With Carmelina's guidance we have been able to make decisions personally and for our business which have resulted in a greater quality of life for us.

Carmelina is always there for us whenever we need some advice, day or night. She listens and is just honest all of the time. She calms me down when I am confused about bookkeeping issues and tells me to concentrate on what I know best, which is running the business.

Customer service by Carmelina is great and I have no hesitation in recommending Carmelina and the services of xpal."


Julie Mackay
Mouse Constructions Pty Ltd