Our Story

Riva Financial principal Vishnu Cholayil is an Australian Certified Public Accountant and a Registered Tax Agent

who specializes in small business accounting and taxation. He has more than 12 years of experience in serving clients in public practices. 


Vishnu started his career in public practice as a teenager working for a firm specializing in tax office audits and

investigations. He was thrown in at the deep end from the start, which proved invaluable at the later stages of his career where he used that experience to advise clients about audit risks and how to minimize it.

Vishnu's mentor was an ATO trained accountant who considered client service above everything else.  His mentor ingrained the values of client relations and client satisfaction in him. Vishnu believes every client is a human first and is not a fee-generating product. He cherishes developing long-standing interpersonal relationships with each client. People who know Vishnu say his most significant strength is that he is a keen listener with a sharp analytical mind. Vishnu is not an advocate of billing clients by the hour for every phone call and e-mail. We tailor all our services to include unlimited advice & support. 

When the COVID-19 pandemic hit the small business sector hard, Vishnu was dismayed at the way their accountants treated clients. Many businesses choose not to participate in the govt incentive programs because they didn't receive the right advice or had to pay an additional fee when their business was on the verge of shutting down. He feels his skills can are most valuable when put to use in helping small businesses in these testing times without charging a fortune in accounting fees. He believes investing time and resources into clients when they need it the most will pay dividends in the future. 


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