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Umbrella Property Accountants

About Us

Founder

Garry Wolnarek, Property Services Manager

Garry has a Bachelor of Business in Accounting from Monash University, a Public Practice Certificate, and is a Fellow of the Institute of Public Accountants (FIPA). He has been a Registered Tax Agent for over 25 years.

That’s 25+ years of Property Taxation Experience over many property cycles!

Garry specialises in tax-effective structures and strategies for investors and developers across multiple property cycles. He provides clear, big-picture advice to help clients build and protect wealth.

Garry and the team have worked with first-time investors right through to seasoned developers and professional property investors over many years. 

Questions We Can Help You Answer

  • First-time & seasoned property investors’ advice
  • Property development structuring, tax planning and asset protection
  • Subdivisions (including splitter blocks) and GST/Margin Scheme considerations
  • Renovate/flip vs hold decisions and CGT planning
  • Investment property deductions and after-tax cash flow analysis
  • Overseas property and residency/moving overseas tax implications
  • Deceased Estate property tax matters
  • Complete range of property tax-related accounting and tax advice
  • SMSF Property Compliance
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Billy Karnezis, Business Services Manager

Billy brings a wealth of accounting experience developed across both boutique and top-tier firms. As a Registered Tax Agent and Chartered Accountant (CA ANZ), he combines strong technical expertise with a progressive, client-first mindset that aligns perfectly with Umbrella Property Accountants’ values.
 
Billy holds a Bachelor of Accounting and is a Registered Tax Agent and Full Member of Chartered Accountants Australia and New Zealand (CA ANZ). His extensive background in public practice—spanning both small and large top-tier firms—has given him a deep understanding of tax compliance, business structuring, and strategic advisory services across a wide range of industries.
Billy’s approach is forward-thinking and results-driven.
 
He focuses on helping clients use technology and data insights to stay ahead in an ever-changing financial landscape. His commitment to delivering practical, high-value advice has made him a trusted partner to business owners and investors seeking to build and protect wealth.
As a leader, Billy fosters a culture that values innovation, collaboration, and professional growth. His ability to inspire and support his team has contributed significantly to Umbrella Property Accountants’ continued success and reputation as a trusted advisor in the property and business space.
 
Outside the Office:
Away from the spreadsheets, Billy enjoys spending quality time with family and friends. A passionate sports enthusiast, he proudly maintains a 20-plus-year membership with the Richmond Football Club, a testament to his loyalty and community spirit.
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Questions We Can Help You Answer

  • How should I structure my business to minimise tax and protect my assets legally?
  • What can I do right now to improve my cash flow and strengthen my financial position?
  • Am I paying more tax than I need to — and what strategies could reduce my tax bill?
  • Should I operate as a sole trader, company, trust, or a combination — and when should I consider changing?
  • How do I plan for growth without risking my business or personal finances?
  • What KPI’s and financial metrics should I be tracking to understand my business performance?
  • Is my pricing model sustainable—and how can I improve profitability without losing customers?
  • What technology or accounting systems will save me time, improve accuracy, and support scale?
  • When is the right time to hire staff, and what tax and payroll obligations should I prepare for?
  • How do I transition from working in the business to working on the business so it becomes a valuable, sellable asset?
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