For Business Owners · Property Investors · Employees Who Are Done Guessing
Every Year You Don't Understand Tax
It Costs You.
That Stops Here.
Tax Vault is Australia's first tax education community — where business owners, property investors, and employees learn how the system works, claim everything they're legally entitled to, and stop leaving money on the table.
Founding Member Price
$29/month
100 spots only. 7 days only. Price locked for life
Public price after launch: $49/month · No founding benefits · No price lock
Sound Familiar?
You are earning good money. You are working hard. And every year, a chunk of it disappears in tax — and you have no idea if you could have legally kept more of it.
You sit across from your accountant once a year. They talk fast. You nod along. You sign what they put in front of you. And you walk out wondering if you missed something. Again.
You have Googled things. You have read articles. You have got three different answers from three different people. And you still don't actually understand how any of this works.
"I don't even know what I don't know. And that's exactly what scares me."
Here is the thing. This is not your fault.
The Australian tax system was not designed to be understood by the people who are subject to it. And your accountant — as good as they might be — has never had time to sit down and explain it to you. They are too busy lodging returns.
So the knowledge gap stays. And every year it costs you. Not because you are doing anything wrong. Simply because nobody ever taught you what you were entitled to know.
"I work hard in my business every day — but I have no idea if I'm actually set up in a way that keeps what I earn."
I have seen it for 15 years. Business owners in the wrong structure, paying far more tax than they should. Property investors missing thousands in depreciation they were legally entitled to. Employees who didn't know they could claim their home office, their uniform, their tools, their professional development — sitting at the top marginal rate wondering why it feels so hard to get ahead.
The problem is never the person. The problem is always the knowledge gap. Tax Vault is how I close it.
$29/month · Locked for life · 100 spots · 7 days
This Is For You If...
You run a businesss
Whether you are just starting out or a few years in — if you are not confident about your structure, how to pay yourself, how GST works, or whether you are claiming what you are entitled to, this is for you.
You have an investment property.
One, two, maybe three. You have a nagging feeling you are missing things. You don't know if the property is actually working for you. And when someone mentions depreciation or CGT, you nod along and look it up later.
You are an employee.
You earn a salary and watch a chunk disappear in tax. You have been told there is not much you can do as a PAYG employee. That is not always true — and I will show you what is actually available to you.
One important note: Tax Vault is education — not advice specific to your situation. Everything covered is general in nature. If you need personalised advice, you will need a qualified professional. I can help you find one through the community.
What My Community Said
Before building Tax Vault, I asked my community the same question: what is your biggest frustration with tax right now? These are some of the responses that came back — and they are the reason this community exists.
"I work hard in my business every day — but I have no idea if I'm actually set up in a way that keeps what I earn."
— Chloe, business owner
"Every time I sit down with my accountant it feels like they're driving at 100km/h and I'm on a pushbike trying to keep up."
— Johnny, $170K household income
"We're in the 47% tax bracket and still struggling to get ahead. There has to be a better way."
— High-income couple, property investors
"I know things aren't right with my accounting setup — but I don't have enough knowledge to fix it or even question my accountant."
— Isobel, inherited a business
"As a nurse I work so hard and feel deflated at tax time. I know I should be getting more back."
— Sarah, healthcare professional
"I know things aren't right with my accounting setup — but I don't have enough knowledge to fix it or even question my accountant."
— Isobel, inherited a business
I'm Miriam Holme.
I have been a registered tax accountant for 15 years.
I founded Flinders Accounting and Business Services in 2011 and have worked with thousands of Australians — sole traders, business owners, property investors, healthcare workers, tradies, FIFO workers, and high-income employees.
I know what Australians are missing.
I know what the system allows. And I know how to explain it in a way that actually makes sense to a real person who has never studied tax.
I am also a mum of five. I have rebuilt my own life from the ground up. I have been where you are — overwhelmed, uncertain, and trying to figure out how to make more of what you have earned.
I am not here to impress you with jargon. I am here to teach you something that genuinely changes how you manage your money.
Credentials
Registered Tax Agent — 15+ years experience
Winner — Women in Finance Accounting Consultant of the Year 2021
Winner — Women in Finance Excellence Award 2021
Finalist in three categories at the Women in Finance Awards simultaneously
Fastest-growing social media following in Australian tax and accounting
Thousands of clients served across Australia since 2011
How Tax Vault Works
01
Understand
How the Australian tax system actually works, in plain English — not ATO-speak.
02
Identify
What you are entitled to claim and where the gaps are quietly costing you every year.
03
Maximise
Claim everything you are legally entitled to, and have conversations with professionals that actually go somewhere.
Most Australians are stuck at step one. That is where we start.
What's Included
What's Inside Tax Vault
1
Four Fast-Start Courses
When you join Tax Vault, four courses are already there and ready for you. Short and focused — built to get you from confused to clear in under an hour. Everyone starts with the Fundamentals. Then you go to the course built for your situation.
Everyone starts here
Australian Tax Fundamentals Masterclass
5 lessons · Under 35 minutes
How the Australian tax system actually works — with real numbers at real income levels. What a deduction is and what it isn't. The record-keeping habit that protects every claim you will ever make.
"So that you never make another financial decision based on a half-remembered conversation at a barbecue."
For PAYG employees
The Salary Earner's Tax Playbook
5 lessons · Under 35 minutes
What PAYG employees are legally entitled to claim — the full list, with the rules that determine whether each one qualifies. HECS, super basics, and how to avoid tax debts that catch most people off guard.
"So that you walk into tax time knowing exactly what you're entitled to claim, with the receipts to back it up."
For property investors
The Property Investor's Tax Playbook
5 lessons · Under 35 minutes
Every expense you can claim on an investment property. How negative gearing actually works — in dollars. Depreciation — the non-cash deduction worth thousands most investors are not claiming.
"So that your investment property is working as hard as it legally can for you."
For business owners
The Business Owner's Tax Playbook
5 lessons · Under 35 minutes
How your business structure determines your tax rate. What your business can legitimately claim. How GST works and why it creates cash flow problems. How to pay yourself in a tax-effective way.
"So that you stop running your business in the dark — knowing exactly what structure you're in and what you can claim.."
Total value of fast-start courses: $1,188 · Your founding member price per month: $29 · The information in these four courses has taken me 15 years to understand, apply, and simplify. Most people never get it. You get all of it in your first week.
2
Private Community
A no-judgement space where no question is too basic. Ask questions. Share wins. Stay accountable. Connect with other business owners, investors, and employees who are on the same journey.
I am present and engaged in the community. This is not a forum that gets checked once a week. It is where the real work happens between the live sessions.
Value: $400
3
Weekly Live Sessions
Every week I run a live session inside Tax Vault. Topics are driven by what members are asking, what is happening in the tax calendar, and what has changed in Australian tax law. Every session is recorded and added to the library. Join in month three and you have access to everything from day one.
Here is what that looks like across the year:
Tax planning sessions
Timed to the moments that matter: before EOFY, before BAS deadlines, before the end of the calendar yearCurrent events
When the ATO announces something, when the budget drops, when rules change, you will understand what it means for you before your accountant has time to callMember Q&A
Bring your real questions. The ones you have been too embarrassed to ask. The ones Google gave you three different answers to. This is where they get answered properlyCase studies and scenarios
Real situations, anonymised, walked through so you can see how the thinking applies to your own
"So that tax is never a surprise again — you are always across what is coming, what has changed, and what it means for you."
Value: $2,400
4
Miriam's Trusted Network
Tax is the foundation. But your financial life does not stop at your tax return. There are questions I get every day that I legally cannot answer — not because I don't care, but because they sit in someone else's professional lane.
Rather than leaving you to find those people yourself — sifting through Google reviews and hoping for the best — I am bringing them inside the community. These are people I have worked alongside for years, refer my own clients to, and personally trust.
Every month, one of them delivers a session built around what Tax Vault members are actually asking — then makes themselves available for a complimentary conversation with members who want to go further.
The Financial Adviser
Investment strategy, superannuation, portfolio construction, and long-term financial security — with a licensed professional who can give personalised advice I legally cannot.
The Mortgage Broker
Borrowing capacity, refinancing strategy, how your tax position affects what you can borrow, and using equity safely.
The Legal & Estate Planning Expert
Asset protection, wills, trusts, business structures from a legal perspective, and making sure what you are building is protected.
The Share Investing Expert
ETFs, shares, franking credits, dividend investing, and building a long-term portfolio alongside property and super — with the tax implications of each explained simply.
The SMSF Specialist
When an SMSF makes sense, what it costs to run, what you can hold inside one, and how property inside super actually works.
More Experts Coming
As the community grows, Miriam keeps adding trusted specialists based on what members need most. If the right person isn't here yet — they will be.
These are the introductions that normally only happen when you are already a client of a great accountant. You are not getting a generic webinar from a stranger. You are starting from Miriam's address book.
Value: $497
5
Tools and Templates
13 practical tools. Nothing is included to make the list look longer. Every tool has a specific purpose and a specific user. These are the resources I wish more of my clients had been using from the start.
| Tool | Who it's for |
|---|---|
| Financial Dashboard | Everyone |
| Quarterly Tax Calendar | Everyone |
| EOFY Preparation Pack | Everyone |
| Accountant Interview Script | Everyone |
| Business Deduction Checklist — 150+ items | Business owners |
| Vehicle Logbook Template | Business owners |
| BAS Preparation Checklist | Business owners |
| Profit Allocation Calculator | Business owners |
| Home Office Calculation Spreadsheet | Business owners + Employees |
| Property Deduction Checklist — 100+ items | Property investors |
| Rental Property Checklist | Property investors |
| Salary Packaging Calculator | Employees |
| Sole Trader Spreadsheet | Sole traders |
Value: $497
The Full Picture
Here's Everything You Get
| What You Get | Value |
|---|---|
| Australian Tax Fundamentals Masterclass — 5 lessons | $297 |
| The Salary Earner's Tax Playbook — 5 lessons | $297 |
| The Property Investor's Tax Playbook — 5 lessons | $297 |
| The Business Owner's Tax Playbook — 5 lessons | $297 |
| Weekly live sessions — members only | $2,400 |
| Miriam's Trusted Network — monthly expert sessions | $497 |
| 13 tools, templates and calculators | $797 |
| Private community | $400 |
Founding Member Offer
The Founding Member Price
Tax Vault is opening to its first 100 members only. This offer is available for 7 days — and whichever comes first, 100 members or 7 days, closes the founding window permanently.
Locked for Life
$29/month
or $290/year — save $58
Price locked for life while active
Public Price After Launch
$49/month
or $490/year
No founding benefits. No price lock.
The price lock in real numbers: A founding member who stays three years pays $1,044 total. A public member pays $1,764 for the same period. That is $720 in savings just from joining during the founding window. And the gap grows every year you stay.
$29/month · Locked for life · 100 spots · 7 days
The Guarantee
The Tax Clarity Guarantee
Complete the Australian Tax Fundamentals Masterclass and your relevant playbook within your first 45 days.
If you have not identified at least three tax positions, deductions, or strategies you were not previously aware of — email me directly and I will refund your membership in full.
No forms. No hoops. No awkward conversation. Just email me.
I am confident enough in what I have built to put my name on it. If you show up, do the courses, and genuinely don't feel clearer — I don't want your money.
Disclaimer: This guarantee relates to the educational experience of the membership, not to any specific financial or tax outcome. Tax Vault is a general education programme. Individual circumstances vary. This does not constitute financial or tax advice.
Common questions
Your Questions, Answered
I already have an accountant. Do I still need this?
Yes — and here is why. Your accountant handles compliance. They make sure your return is lodged correctly. Tax Vault is education. It teaches you how the system works so that when you sit across from your accountant, you understand what they are saying, you can ask the right questions, and you can tell the difference between strategic advice and just going through the motions.
Can my kids join?
Yes — and we genuinely encourage it. Young Australians are never taught how tax works, and starting early makes a real difference. If you are an active member of Tax Vault, one of your children can join for free. They need to be joining alongside a parent who is an active member. It is one of the things I feel most strongly about — this knowledge should not skip a generation.
Will the content stay relevant as tax laws change?
Yes. The weekly live sessions cover changes and updates as they happen. And the courses are reviewed and updated when the fundamentals shift. Being in the community means staying current — without having to read ATO newsletters yourself.
You Work Hard For It.
Learn How to Keep More of It.
Every year this gap stays open, it costs you. Not because you are doing anything wrong. Because nobody ever sat down and explained how any of it actually works. That changes when you join Tax Vault.
The founding price is $29 per month — locked for life while your membership is active. After 100 members or 7 days, whichever comes first, the price moves to $49 and the founding window is gone permanently.
This is not a countdown for the sake of one. There are 100 spots and a hard close. If you are reading this, the window is still open. But it will not be for long.
Join now. Get immediate access to all four fast-start courses. Show up to the live sessions. Ask the questions you have never had a good place to ask. And start the year knowing exactly where you stand.
Public price after launch: $49/month · No founding benefits · No price lock
The information provided is general in nature and does not constitute financial or tax advice. For advice specific to your situation, please consult a qualified professional.