Lifesolver

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Lifesolver We Help Farmers Achieve Business Success Through Vision, Planning, and Action.

Lifesolver Finance is a professional financial advisory, planning and accountant firm specialising in helping farmers and small business owners with all financial solutions. Our Certified Financial Planner and Chartered Accountant, Matt Meehan, offers both personal and business services and solutions. Matt along with his team of accountants offer Investment & Wealth Creation advice, Superannuation & Retirement Planning, Personal Insurance, Business Planning, Estate Planning, Self-managed Superannuation, Financial Planning, Debt Consolidation, Debt Advice as well as helping with Accounting, GST Management, Taxation and Business coaching and more. Although we are located in Armidale, we service all surrounding regions including Northern Tablelands, New England, Uralla, Bendemeer, Guyra, Tamworth and surrounds.

Most farming families already have a good team of people around them.They have an accountant they trust.A solicitor who ...
11/09/2026

Most farming families already have a good team of people around them.

They have an accountant they trust.
A solicitor who understands their affairs.
A banker they’ve worked with for years.

So, why do you need us?

Farm transition sits across all of these areas.

Your accountant can help with the tax implications and financial structures. Your solicitor can help with the legal arrangements and ownership. Your banker understands the farm’s lending and finance position.

But who is looking at how all of those pieces fit together?

And who is helping the family work through the decisions that sit between them?

That’s where we come in.

We help farming families step back and look at the whole picture – the farm, the business, the finances and the family.

We’re not here to replace the professionals you already trust. We’re here to bring the different pieces together, coordinate the advice and help keep everyone working towards the same outcome.

Because sometimes, the missing piece isn’t another specialist – it’s someone looking at the whole picture.

Want to find out more about how we can help? Visit our website to learn about our Farm Transition Blueprint and Farm Business Success programs.

Your accountant can help you understand the tax implications, structures and financial considerations.Your solicitor can...
04/09/2026

Your accountant can help you understand the tax implications, structures and financial considerations.

Your solicitor can help you work through the legal structures, ownership and agreements needed to put the plan in place.

Both are essential, but neither is responsible for bringing the whole picture together.

That’s where we see a gap in the way farm succession is often approached. That's because a farm transition isn’t just a tax question or a legal question.

It’s a family decision, a financial decision and a business decision, and all of them are connected.

Our role is to help bring those pieces together by helping you look at the bigger picture, coordinate the different advice and help your family work towards a plan that makes sense for the farm and the people behind it.

This is your friendly reminder that having the right professionals on your team is important, but having them working towards the same plan is what makes the biggest difference.

We talk a lot about farm succession.Traditionally, we tend to picture it as a series of events.Mum and Dad retire.The fa...
25/08/2026

We talk a lot about farm succession.

Traditionally, we tend to picture it as a series of events.

Mum and Dad retire.

The farm is handed over.

The next generation takes the reins.

The end.

But in reality, there's rarely a clean beginning, middle and end.

The transition of a farm can take years.

The next generation might gradually take on more responsibility in the business. Mum and Dad might step back from the day-to-day operation while still remaining involved.

There might be legal structures, tax implications and ownership considerations to work through.

Or there may not be a next generation ready or willing to take over at all, which brings a very different set of decisions to the table.

And alongside all of this, the family is working through some pretty big questions.

What does retirement look like for Mum and Dad?

What does the next generation need to be able to take on the farm?

What happens to the children who aren't involved in the business?

And what does a fair outcome actually look like for everyone?

That's why we prefer the term **farm transition**.

Succession can sound like a single event, while transition recognises that we're planning for a period of change.

Because the handover of the farm might be the most visible part, but it's never really the whole story.

The farm is transitioning.

The business is transitioning.

And the family is transitioning too.

A successful transition needs to take all of those things into account.

Because ultimately, it's not just about who takes over the farm.

It's about working out what the next chapter looks like β€” and making sure the farm, the business and the family are in a position to move into it.

Who will own your farm in 10 years?It's probably not a question you ask yourself every day.You're more likely thinking a...
03/07/2026

Who will own your farm in 10 years?

It's probably not a question you ask yourself every day.

You're more likely thinking about rainfall, stock, crop, cash flow or the next job waiting to be done.

But one day, every farm will transition.

The real question is whether your family will make those decisions together, or whether circumstances will make them for you.

In my latest blog, I share three simple questions every farming family should ask themselvesβ€”and why starting the conversation early creates more options for everyone.

Read the blog here: https://bit.ly/4p0L5FX

Great news πŸ‘
18/06/2026

Great news πŸ‘

Today's announcement on Captial Gains Tax is a major win for farmers. After sustained NFF advocacy, the Federal Government has confirmed it will expand access to the small business 50% active asset CGT concession, lifting the turnover threshold from $2 million to $10 million.

This means around 99% of Australian farm businesses are expected to be eligible, bringing about 8,700 additional farm businesses into the system.

β€œWhile there may be more work to do to ensure the full suite of reforms meets the needs of farmers, this is a strong step forward. The fact this measure will be progressed through current legislation is critical, it gives farmers certainty now and allows them to plan ahead with confidence.” - NFF President Hamish McIntyre.

Read more: https://nff.org.au/media-release/tax-change-delivers-immediate-win-for-thousands-of-farmers/

Every farm tells a story.A story of hard work, sacrifice, resilience and countless decisions made over generations.Those...
12/06/2026

Every farm tells a story.

A story of hard work, sacrifice, resilience and countless decisions made over generations.

Those who came before you weathered droughts, floods, market downturns and uncertainty, pouring their hard work, determination and sacrifice into building something they hoped would endure for generations.

Now it's your turn to write the next chapter.

Not just for the farm, but for the family and future generations who may one day call it their own.

The strongest legacies aren't built by chance. They're shaped by intentional decisions and thoughtful planning.

Whether you're thinking about growth, succession, retirement or simply what the future might look like, the best time to start those conversations is before they're needed.

Because it took generations to build your farm.

The next chapter is your legacy.

πŸ“… Book your 45-minute discovery call today. Find out more on our website: https://bit.ly/4o1Wwwu

Most farming families don't make their biggest decisions when everything is calm.They make them when they're forced to.A...
10/06/2026

Most farming families don't make their biggest decisions when everything is calm.

They make them when they're forced to.

A health issue.
A retirement.
A family disagreement.
A change in circumstances.

The problem is that financial, tax and succession decisions made under pressure often leave fewer options available.

Good planning isn't about predicting the future, it's about being prepared for it.

If you've been meaning to start conversations around succession, business structure, retirement or the future of your farm, now is a great time to begin.

Find out more on our website: https://bit.ly/4o1Wwwu

Opportunities to restructure a farm business without triggering a tax bill don't come around very often.That's why one o...
08/06/2026

Opportunities to restructure a farm business without triggering a tax bill don't come around very often.

That's why one of the most overlooked announcements in the Federal Budget could end up being one of the most valuable.

From 1 July 2027, farming families will have a three-year window to move assets from a family trust into another structure, such as a company, without the usual tax consequences that would normally apply.

For some families, this may not be relevant.

For others, it could provide a rare opportunity to simplify structures, prepare for succession, improve governance or better align the business with future goals.

Many farm business structures were put in place years, sometimes decades, ago.

The question worth asking is: Does your current structure still suit where your business is heading?

As businesses grow, families evolve and succession plans take shape, the answer isn't always yes.

The families who gain the most from opportunities like this are usually the ones who start planning before the window opens.

If you've been considering whether your current structure is still fit for purpose, now is a good time to start the conversation.

Book a strategy session through our website to explore your options and prepare for what's ahead. https://lifesolver.com.au/

The Federal Budget has done more than introduce new tax rules.For many farming families, it has effectively created a de...
06/06/2026

The Federal Budget has done more than introduce new tax rules.

For many farming families, it has effectively created a deadline.

Over the next 14 months, important decisions around succession planning, trust structures, asset ownership and capital gains tax need to be reviewed before the new rules begin taking effect.

The families who will benefit most aren't necessarily the ones with the most complex structures.

They're the ones who start planning early.

The reality is that good succession outcomes don't happen because someone made a quick decision at the last minute. They happen because families give themselves enough time to explore options, have the right conversations and implement strategies properly.

βœ” Succession plans
βœ” Trust structures
βœ” Asset ownership
βœ” Capital gains implications
βœ” Family conversations

Plan early. Keep your options open.

If you'd like to understand what these changes could mean for your farm business and family, book a strategy session through our website. We'll help you identify the opportunities, risks and next steps before the new rules take effect.

πŸ”— Book your appointment today: https://bit.ly/4o1Wwwu

When farming families talk about growth, the conversation often starts with buying the place next door.But sometimes the...
03/06/2026

When farming families talk about growth, the conversation often starts with buying the place next door.

But sometimes the biggest opportunities aren't found in more acreage. They're found in improving what you already have.

Recently, I worked with a farming family who chose to invest in an automatic feeding system rather than taking on more debt and more land.

The outcome?

βœ”οΈ Greater efficiency
βœ”οΈ Increased turnover
βœ”οΈ Capacity to turn over an additional 150 head every three months

This is proof that the best growth strategies aren't always about getting bigger. Often they're about getting better.

What improvements have made the biggest difference on your farm?

Address

121 Allingham Street
Armidale, NSW
2350

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+61280737879

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