About us

We are a Melbourne based accounting firm founded in 2017 by Hussein Saad. We specialise in all types of accounting, from personal to business related and beyond.

Accounting excellence

Surplus Financial Group founder Hussein ‘Huss’ Saad started his career in top tier accounting firms and has more than a decade of Australian financial experience.

But when Hussein noticed a dramatic shift in the way both young and old Australians were going about their commerce and managing their personal finances, Hussein decided to go it alone and start to do things differently!

The world has changed and so has the way Surplus Financial Group is helping people to manage their tax and finances. Hussein believes that his offering is uniquely placed to service the modern Australian business.

Hussein Saad holds a Bachelor in Accounting, a graduate diploma of Chartered Accountants Australia and New Zealand, an Australian Securities and Investment Commission Agent and Tax Agent License.


Our accountants are completely open and direct about your tax opportunities and challenges.


We are readily available for communication because if it's important to you, it's important to us.


Responsible planning is a standard practice for our accountants who like to stay ahead of the curve.

Solving tax for our clients since 2017

Surplus Financial Group was established in 2017 and is a specialist provider of a range of financial services covering taxation, accounting, risk and wealth. As a sole Director, Hussein prides himself on his transparency and his constant availability to his clients. He is often chasing you for your numbers and not the other way around.

All types of accounting

At Surplus Financial Group, your accountant will help you to establish solid foundations and confidence in your personal finances. Hussein’s philosophy is that every problem has a solution, every question has an answer, and every will has a way.

The systems put in place at Surplus Financial Group to manage your finances have been developed personally by Hussein to help create that two-way relationship from the very start. Constant availability, ongoing transparency and dedicated planning allows Surplus Financial Group to do this better than other accountants in Australia.

What the Tax?

Frequently Asked [Tax] Questions

The cost of your tax return is assessed on a case-by-case basis and varies depending on whether you are a business or individual. Rest assured we do not bill you in incremental minutes or charge you non-transparent ‘consulting’ fees. We are upfront and clear about each and every service. All our tax services are fully tax deductible.

We are Xero Certified and Practise Partners. Xero is a cloud-based accounting software which can help you (and us!) track your income and expenses, while also allowing us to forecast cash flow. We offer our clients initial basic training on the platform to help get them started.

All three. We have some clients who prefer to meet in person and some we’ve only ever dealt with on email. The choice is yours. What we pride ourselves on is constant communication. Often we’re chasing you and not the other way around.

Not all accountants are created equal! We pride ourselves on working closely with our clients and developing the sort of trust that should exist in a successful relationship. No question is ever too difficult or a problem. We’re here to help and we believe that’s what our clients deserve.

We work with all types of individuals and businesses including those offering services in the disability sector, right through to social media marketing companies! Our experience with every industry is varied, giving us oversight and the skills necessary to manage all complex accounting needs regardless of how your business makes its revenue.

As a sole Director, Hussein provides all his services in-house at Surplus Financial Group to ensure a personal touch which is all about building a strong relationship. However, there are times when he might call on other resources when dealing with large or complex tax services.

Ready to talk tax?

Let us handle the numbers for you. Get in touch with us today: