Financial Planning


Ruth Watson & Associates has partnered with Ross Johnston. Ross is known for being the former head of Australian Unity Financial Planning. Ross now runs his own practice and specializes in developing strategic financial plans for clients if you are:

  • About to retire
  • In retirement
  • Selling your business
  • Wishing to reduce your tax liability
  • Accumulating wealth
  • Facing redundancy
  • Investing a lump sum

Ross’s financial advisory expertise includes investments, superannuation, taxation, retirement incomes, Centrelink eligibility, risk insurances and investment gearing. Ross uses a three-step risk aversion process to minimise his clients’ exposure to investment risk – and therefore help you to attain genuine financial security and investment success. This process includes:

  1. The use of proven ‘tipping points’ to determine when to start investing more into certain assets… and when to start taking profits.
  2. The use of a ‘gap analysis’ procedure to determine the most prudent asset allocation a client can adopt and still achieve their lifestyle goals.
  3. A rigorous regular review process for each client’s investments.

Ross’s clients value him as a well-credentialed, trusted adviser who has a lifetime commitment to his clients’ financial well-being.

If you have a Vision We will help you to turn it into reality

Our Services

An overview of some of the services we provide at Ruth Watson & Associates. Contact us to explore what other solutions and support we can provide



Let us handle your comprehensive tax preparation so we can reduce your tax liability thus freeing capital for re-investment or taking advantages of opportunities that may occur.


Outsource all your bookkeeping tasks to us and save time. Simply upload your financial information on our website’s client portal and we’ll perform your daily bookkeeping duties.

Financial Planning

We provide businesses with a comprehensive planning service tailored to meet your distinct and changing needs

Retirement Planning

We provide clients approaching age of retirement with comprehensive financial planning services

Virtual CFO

We offer CFO service to help oversee your entire financial operation. We will take a wider view of strategic decisions and their monetary consequences


We provide fast, reliable document preparation and filing for new corporations, Non-profits, LLC’s and PLLC’s.

Succession Planning

We can help you, your family and your employees prepare for a healthy, smooth and productive transition into the next phase of your business.


We offer financial programs for professionals, business owners, and companies.


Tax Agent


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