136 Accounting Firm jobs in Malaysia
Team Lead - Accounting Firm
Posted 10 days ago
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General Manager & Business Coach & Management ConsultantJob Responsibility
Team Leadership
- Lead and mentor a team of junior and senior account executives, accountants, and other team members.
- Conduct regular performance reviews and provide actionable feedback.
- Encourage collaboration and knowledge-sharing within the team.
- Serve as the primary point of contact for high-value clients, ensuring their needs are met with efficiency and professionalism.
- Manage client portfolios and resolve any escalations promptly.
- Oversee the execution of financial services, including bookkeeping, payroll, and accounts payable management.
- Ensure compliance with accounting standards, regulations, and internal policies.
- Optimize processes for efficiency and accuracy, incorporating digital tools where applicable.
- Collaborate with senior management to align team goals with the firmâs objectives.
- Support the implementation of new systems and processes to enhance service delivery.
Job Requirements
- Bachelor's degree in Accounting, Finance, or a related field.
- Able to speak in English, Bahasa Malaysia and Mandarin
- Professional certifications such as CPA, ACCA, or equivalent (preferred).
- Minimum of 5 years of experience in accounting, with at least 2 years in a supervisory role.
- Strong knowledge of Malaysian accounting standards and tax regulations.
- Experience with digital accounting tools, such as Xero, QuickBooks, or similar platforms.
- Leadership and team management.
- Excellent communication and interpersonal skills.
- Problem-solving and decision-making.
- Strong organizational skills with attention to detail.
- Proficiency in accounting software and Microsoft Office Suite.
- Competitive salary package.
- Opportunities for professional development and certification sponsorship.
- A collaborative work environment focused on innovation and growth.
- Flexible working arrangements to promote work-life balance.
- Seniority level Entry level
- Employment type Full-time
- Job function Accounting/Auditing
- Industries Accounting
Referrals increase your chances of interviewing at Chia, Ka & Partners PLT by 2x
Sign in to set job alerts for “Accounting Team Lead” roles.Kota Damansara, Selangor, Malaysia 2 weeks ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 18 hours ago
Kota Damansara, Selangor, Malaysia 1 week ago
Kota Damansara, Selangor, Malaysia 1 week ago
Head of Corporate Accounting (Great Eastern Takaful Berhad)WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 weeks ago
Petaling Jaya, Selangor, Malaysia 4 months ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 4 days ago
WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 weeks ago
Petaling Jaya, Selangor, Malaysia 3 days ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia MYR6,000.00-MYR8,000.00 4 weeks ago
Federal Territory of Kuala Lumpur, Malaysia 1 week ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 3 weeks ago
Petaling Jaya, Selangor, Malaysia 23 hours ago
WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 1 day ago
Head, Financial Reporting & Operations (Kuala Lumpur)Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 5 months ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 weeks ago
Federal Territory of Kuala Lumpur, Malaysia 1 month ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 5 days ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia MYR240,000.00-MYR300,000.00 23 hours ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 5 days ago
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 months ago
WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 1 week ago
Director, Head of Fund Accounting Operations Lead - Asia South & JANAKuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 weeks ago
Petaling Jaya, Selangor, Malaysia 21 hours ago
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#J-18808-LjbffrTeam Lead - Accounting Firm
Posted today
Job Viewed
Job Description
Job Responsibility
Team Leadership
Lead and mentor a team of junior and senior account executives, accountants, and other team members. Conduct regular performance reviews and provide actionable feedback. Encourage collaboration and knowledge-sharing within the team.
Client Management
Serve as the primary point of contact for high-value clients, ensuring their needs are met with efficiency and professionalism. Manage client portfolios and resolve any escalations promptly.
Operational Excellence
Oversee the execution of financial services, including bookkeeping, payroll, and accounts payable management. Ensure compliance with accounting standards, regulations, and internal policies. Optimize processes for efficiency and accuracy, incorporating digital tools where applicable.
Strategic Contribution
Collaborate with senior management to align team goals with the firmâs objectives. Support the implementation of new systems and processes to enhance service delivery.
Qualifications
Job Requirements
Bachelor's degree in Accounting, Finance, or a related field. Able to speak in English, Bahasa Malaysia and Mandarin Professional certifications such as CPA, ACCA, or equivalent (preferred). Minimum of 5 years of experience in accounting, with at least 2 years in a supervisory role. Strong knowledge of Malaysian accounting standards and tax regulations. Experience with digital accounting tools, such as Xero, QuickBooks, or similar platforms.
Key Skills
Leadership and team management. Excellent communication and interpersonal skills. Problem-solving and decision-making. Strong organizational skills with attention to detail. Proficiency in accounting software and Microsoft Office Suite.
Job Benefits
Competitive salary package. Opportunities for professional development and certification sponsorship. A collaborative work environment focused on innovation and growth. Flexible working arrangements to promote work-life balance.
Seniority level
Seniority level Entry level Employment type
Employment type Full-time Job function
Job function Accounting/Auditing Industries Accounting Referrals increase your chances of interviewing at Chia, Ka & Partners PLT by 2x Sign in to set job alerts for “Accounting Team Lead” roles.
Kota Damansara, Selangor, Malaysia 2 weeks ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 18 hours ago Kota Damansara, Selangor, Malaysia 1 week ago Kota Damansara, Selangor, Malaysia 1 week ago Head of Corporate Accounting (Great Eastern Takaful Berhad)
WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 weeks ago Petaling Jaya, Selangor, Malaysia 4 months ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 4 days ago WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 weeks ago Petaling Jaya, Selangor, Malaysia 3 days ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia MYR6,000.00-MYR8,000.00 4 weeks ago Federal Territory of Kuala Lumpur, Malaysia 1 week ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 3 weeks ago Petaling Jaya, Selangor, Malaysia 23 hours ago WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 1 day ago Head, Financial Reporting & Operations (Kuala Lumpur)
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 5 months ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 weeks ago Federal Territory of Kuala Lumpur, Malaysia 1 month ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 5 days ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia MYR240,000.00-MYR300,000.00 23 hours ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 5 days ago Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 months ago WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 1 week ago Director, Head of Fund Accounting Operations Lead - Asia South & JANA
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia 2 weeks ago Petaling Jaya, Selangor, Malaysia 21 hours ago We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.
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Senior Corporate Secretary | Advisory & Accounting Firm | KL
Posted 17 days ago
Job Viewed
Job Description
Company overview
- Our client is an established professional accounting services provider firm.
- In line with their business expansion, they are looking to bring on board a secretarial professional to join their team in KL.
The new role
- To handle and ensure all secretarial functions such as change of directors, secretary, auditors and registered office, open of bank accounts, acceptance of bank facilities, change of bank signatories, AGM, and other common corporate secretarial request, draft and prepare resolutions in compliance with Companies Act, 2016.
- To ensure completion and lodgement of statutory forms, returns, and reports with Suruhanjaya Syarikat Malaysia (SSM) within the stipulated deadlines.
- To ensure the statutory books, registers, and secretarial records are updated and kept safely.
- To liaise and deal with clients, Senior Management, external auditors, bankers, and lawyers.
- Familiar with and able to use MYCOID and MBRS system developed by SSM for filing purposes.
Requirements to succeed
- Ambitious person with excellent communication skills, committed to developing a career in the Company Secretarial field.
- Experience of 2 years in relevant field.
- Secretarial license holder will have a distinct advantage.
- Mandarin speaker is preferred.
- Strong attention to detail, innovative thought process, a commercial outlook and be able to work effectively as part of a small, motivated team.
To Apply
If you are interested in this role, click ‘apply now’ to submit your resume (in MS Word format) to Due to overwhelming responses, we will only be able to contact shortlisted candidates.
Job Ref: 20210316/117
Consultant: Jenn C.
Registration No: 201901037350 (1346680-W)
EA Licence No: JTKSM 949A
#J-18808-LjbffrSenior Corporate Secretary | Advisory & Accounting Firm | KL
Posted today
Job Viewed
Job Description
Our client is an established professional accounting services provider firm.
In line with their business expansion, they are looking to bring on board a secretarial professional to join their team in KL.
The new role
To handle and ensure all secretarial functions such as change of directors, secretary, auditors and registered office, open of bank accounts, acceptance of bank facilities, change of bank signatories, AGM, and other common corporate secretarial request, draft and prepare resolutions in compliance with Companies Act, 2016.
To ensure completion and lodgement of statutory forms, returns, and reports with Suruhanjaya Syarikat Malaysia (SSM) within the stipulated deadlines.
To ensure the statutory books, registers, and secretarial records are updated and kept safely.
To liaise and deal with clients, Senior Management, external auditors, bankers, and lawyers.
Familiar with and able to use MYCOID and MBRS system developed by SSM for filing purposes.
Requirements to succeed
Ambitious person with excellent communication skills, committed to developing a career in the Company Secretarial field.
Experience of 2 years in relevant field.
Secretarial license holder will have a distinct advantage.
Mandarin speaker is preferred.
Strong attention to detail, innovative thought process, a commercial outlook and be able to work effectively as part of a small, motivated team.
To Apply
If you are interested in this role, click ‘apply now’ to submit your resume (in MS Word format) to Due to overwhelming responses, we will only be able to contact shortlisted candidates.
Job Ref: 20210316/117
Consultant: Jenn C.
Registration No: 201901037350 (1346680-W)
EA Licence No: JTKSM 949A
#J-18808-Ljbffr
Account Executive (Open to Fresh Grads!) | Australian Accounting Firm
Posted 17 days ago
Job Viewed
Job Description
Overview:
We are collaborating with an established accounting firm based in Australia. They provide accounting, financial planning & mortgage broking consulting services to clients.
You will work closely with a team of advisers/accountants to meet compliance requirements and deliver professional services and advice to clients. This position offers an exciting opportunity to learn about financial and debt management, develop valuable skills, and make a meaningful impact on the financial well-being of clients.
Key Responsibilities:
- Review income, debt, and expenses to determine borrowing capacity with various lenders.
- Conduct cash flow and retirement modeling.
- Perform product comparisons and prepare quotes.
- Manage workpapers, internal reports, and bookkeeping.
- Handle Self Managed Super Fund reporting and data management.
- Conduct research on client accounts as needed.
- Prepare and maintain workpapers, research, and records.
- Review client files to ensure record-keeping requirements are met.
- Prepare monthly reports for clients.
- Update internal workflow and database to keep client details current.
- Prepare product cost comparisons and evaluate risk profiles.
- Assist the Australian team with assigned tasks
Requirements to succeed:
- Diploma or Bachelor degree in Accountancy/Finance or related field
- Proficient in Excel, Word and other Microsoft applications and Google Suite
- Knowledge in Excel Vlookup function is preferred
- Good in written and verbal communication skills in English and Mandarin
- Basic bookkeeping skills
- Proactive and able to be self-independent
- Good interpersonal skills
To Apply
If you are interested in this role, click ‘apply now’ to submit your resume (in MS Word format). Due to overwhelming responses, we will only be able to contact shortlisted candidates.
Job Ref: 20240621/044
Consultant: Nicole Lim
Registration No: 201901037350 (1346680-W)
EA Licence No: JTKSM 949A
#J-18808-LjbffrAccount Executive (Open to Fresh Grads!) | Australian Accounting Firm
Posted today
Job Viewed
Job Description
We are collaborating with an established accounting firm based in Australia. They provide accounting, financial planning & mortgage broking consulting services to clients.
You will work closely with a team of advisers/accountants to meet compliance requirements and deliver professional services and advice to clients. This position offers an exciting opportunity to learn about financial and debt management, develop valuable skills, and make a meaningful impact on the financial well-being of clients.
Key Responsibilities:
Review income, debt, and expenses to determine borrowing capacity with various lenders.
Conduct cash flow and retirement modeling.
Perform product comparisons and prepare quotes.
Manage workpapers, internal reports, and bookkeeping.
Handle Self Managed Super Fund reporting and data management.
Conduct research on client accounts as needed.
Prepare and maintain workpapers, research, and records.
Review client files to ensure record-keeping requirements are met.
Prepare monthly reports for clients.
Update internal workflow and database to keep client details current.
Prepare product cost comparisons and evaluate risk profiles.
Assist the Australian team with assigned tasks
Requirements to succeed:
Diploma or Bachelor degree in Accountancy/Finance or related field
Proficient in Excel, Word and other Microsoft applications and Google Suite
Knowledge in Excel Vlookup function is preferred
Good in written and verbal communication skills in English and Mandarin
Basic bookkeeping skills
Proactive and able to be self-independent
Good interpersonal skills
To Apply
If you are interested in this role, click ‘apply now’ to submit your resume (in MS Word format). Due to overwhelming responses, we will only be able to contact shortlisted candidates.
Job Ref: 20240621/044
Consultant: Nicole Lim
Registration No: 201901037350 (1346680-W)
EA Licence No: JTKSM 949A
#J-18808-Ljbffr
Senior Manager - Tax (Financial Services)
Posted 11 days ago
Job Viewed
Job Description
Whether you’ve just graduated or have years of experience, this is a firm where you can learn and grow.
It’s the PwC experience that stays with you as you build strong networks and make lasting friendships. Be part of a larger team as we work together, drawing on everyone's knowledge and skills to reimagine the possible.
Join PwC today for the experience that stays with you.
Line of Service : Tax
Industry/Sector : Not Applicable
Specialism : General Tax Consulting
Management Level : Senior Manager
Job Description & Summary
At PwC, our people in tax services focus on providing advice and guidance to clients on tax planning, compliance, and strategy. These individuals help businesses navigate complex tax regulations and optimise their tax positions.
Those in tax compliance at PwC will focus on validating clients' compliance with tax laws and regulations. You will review and analyse financial data, prepare and file tax returns, and assist businesses in meeting their tax obligations while minimising risks of non-compliance.
Responsibilities
Tax Compliance - Ensure accurate and timely filing of all tax returns, including corporate income tax and other applicable taxes to the tax authorities. You will also contribute technical insights to business tax compliance engagements.
Tax Planning - Develop and implement tax strategies to optimize the company’s tax position, minimize tax liabilities, and manage risks.
Advisory - Provide expert advice on tax implications for business transactions, mergers, acquisitions, investment structure planning, incentive applications, inbound/outbound investment advisory and new business ventures.
Reporting - Prepare and review tax provision calculations for financial statements and ensure proper accounting for all tax-related items.
Regulatory Monitoring - Keep abreast of changes in tax laws and regulations, and assess the impact on the company’s tax position.
Collaboration - Work closely with internal stakeholders, including finance, legal, and business units, to ensure alignment on tax-related matters.
Growing as a strategic advisor, you leverage your influence, expertise, and network to deliver quality results. You motivate and coach others, coming together to solve complex problems. As you increase in autonomy, you apply sound judgment, recognising when to take action and when to escalate. You are expected to solve through complexity, ask thoughtful questions, and clearly communicate how things fit together. Your ability to develop and sustain high performing, diverse, and inclusive teams, and your commitment to excellence, contributes to the success of our Firm.
Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to:
Craft and convey clear, impactful and engaging messages that tell a holistic story.
Apply systems thinking to identify underlying problems and/or opportunities.
Validate outcomes with clients, share alternative perspectives, and act on client feedback.
Direct the team through complexity, demonstrating composure through ambiguous, challenging and uncertain situations.
Deepen and evolve your expertise with a focus on staying relevant.
Initiate open and honest coaching conversations at all levels.
Make difficult decisions and take action to resolve issues hindering team effectiveness.
Model and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements.
Requirements
Bachelor’s degree in Accounting or related field and/or professional qualification.
Strong business technical knowledge with at least 10 years' working experience in tax compliance and consultancy, ideally in a professional services organization.
Excellent client handling and team management skills.
People management and project management experience.
A good level of commercial awareness.
Possess good spoken and written skills.
Self-motivated and proactive with contribution to business development efforts as part of securing new clients.
Education (if blank, degree and/or field of study not specified)
Degrees/Field of Study required: Degrees/Field of Study preferred:
Certifications (if blank, certifications not specified)
Required Skills
Optional Skills
Accepting Feedback, Accounting Practices, Active Listening, Analytical Thinking, Coaching and Feedback, Communication, Corporate Tax Planning, Creativity, Drafting Tax Documents, Embracing Change, Emotional Regulation, Empathy, Financial Audit, Financial Review, Financial Statement Analysis, Inclusion, Influence, Intellectual Curiosity, Learning Agility, Monitoring and Analyzing Financial Trends, Optimism, Preparing Tax Documents, Professional Courage, Project Management {+ 17 more}
Desired Languages (If blank, desired languages not specified)
Travel Requirements : Not Specified
Available for Work Visa Sponsorship? : No
Government Clearance Required? : No
Job Posting End Date
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Senior Manager - Tax (Financial Services)
Posted today
Job Viewed
Job Description
It’s the PwC experience that stays with you as you build strong networks and make lasting friendships. Be part of a larger team as we work together, drawing on everyone's knowledge and skills to reimagine the possible.
Join PwC today for the experience that stays with you. Line of Service : Tax Industry/Sector : Not Applicable Specialism : General Tax Consulting Management Level : Senior Manager Job Description & Summary At PwC, our people in tax services focus on providing advice and guidance to clients on tax planning, compliance, and strategy. These individuals help businesses navigate complex tax regulations and optimise their tax positions.
Those in tax compliance at PwC will focus on validating clients' compliance with tax laws and regulations. You will review and analyse financial data, prepare and file tax returns, and assist businesses in meeting their tax obligations while minimising risks of non-compliance. Responsibilities Tax Compliance - Ensure accurate and timely filing of all tax returns, including corporate income tax and other applicable taxes to the tax authorities. You will also contribute technical insights to business tax compliance engagements.
Tax Planning - Develop and implement tax strategies to optimize the company’s tax position, minimize tax liabilities, and manage risks.
Advisory - Provide expert advice on tax implications for business transactions, mergers, acquisitions, investment structure planning, incentive applications, inbound/outbound investment advisory and new business ventures.
Reporting - Prepare and review tax provision calculations for financial statements and ensure proper accounting for all tax-related items.
Regulatory Monitoring - Keep abreast of changes in tax laws and regulations, and assess the impact on the company’s tax position.
Collaboration - Work closely with internal stakeholders, including finance, legal, and business units, to ensure alignment on tax-related matters.
Growing as a strategic advisor, you leverage your influence, expertise, and network to deliver quality results. You motivate and coach others, coming together to solve complex problems. As you increase in autonomy, you apply sound judgment, recognising when to take action and when to escalate. You are expected to solve through complexity, ask thoughtful questions, and clearly communicate how things fit together. Your ability to develop and sustain high performing, diverse, and inclusive teams, and your commitment to excellence, contributes to the success of our Firm. Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to: Craft and convey clear, impactful and engaging messages that tell a holistic story.
Apply systems thinking to identify underlying problems and/or opportunities.
Validate outcomes with clients, share alternative perspectives, and act on client feedback.
Direct the team through complexity, demonstrating composure through ambiguous, challenging and uncertain situations.
Deepen and evolve your expertise with a focus on staying relevant.
Initiate open and honest coaching conversations at all levels.
Make difficult decisions and take action to resolve issues hindering team effectiveness.
Model and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements.
Requirements Bachelor’s degree in Accounting or related field and/or professional qualification.
Strong business technical knowledge with at least 10 years' working experience in tax compliance and consultancy, ideally in a professional services organization.
Excellent client handling and team management skills.
People management and project management experience.
A good level of commercial awareness.
Possess good spoken and written skills.
Self-motivated and proactive with contribution to business development efforts as part of securing new clients.
Education
(if blank, degree and/or field of study not specified) Degrees/Field of Study required: Degrees/Field of Study preferred: Certifications
(if blank, certifications not specified) Required Skills Optional Skills Accepting Feedback, Accounting Practices, Active Listening, Analytical Thinking, Coaching and Feedback, Communication, Corporate Tax Planning, Creativity, Drafting Tax Documents, Embracing Change, Emotional Regulation, Empathy, Financial Audit, Financial Review, Financial Statement Analysis, Inclusion, Influence, Intellectual Curiosity, Learning Agility, Monitoring and Analyzing Financial Trends, Optimism, Preparing Tax Documents, Professional Courage, Project Management {+ 17 more} Desired Languages
(If blank, desired languages not specified) Travel Requirements : Not Specified Available for Work Visa Sponsorship? : No Government Clearance Required? : No Job Posting End Date
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Financial Services Representative
Posted 8 days ago
Job Viewed
Job Description
NO PREVIOUS EXPERIENCE NECESSARY. WE WILL TRAIN THE RIGHT PERSON.
This position can be fully remote. Great for the stay-at-home career seeker.
All required pre-licensing courses & required state licenses are covered by the company.
The desired candidate would possess the following skills:
- Excellent customer service skills
- Entrepreneurial Mindset
- Strong leadership and decision-making skills
- Ability to develop, manage and drive growth
- Access to Internet or Wi-Fi connection
Requirements:
- Must be 18+ (This is a FEDERAL requirement)
- Must pass a background check (No Felonies)
- Self-Disciplined, Self-Accountability
- Trustworthy & Honest
What we provide:
- Training Bonus program
- State and Federal Licenses
- Part-time or Full-time Flex options
- No Quotas or Caps on Commissions
- Stock opportunities
- Residual Income Opportunities - 6 income streams
Financial Services Representative
Posted 25 days ago
Job Viewed
Job Description
NO PREVIOUS EXPERIENCE NECESSARY. WE WILL TRAIN THE RIGHT PERSON.
This position can be fully remote. Great for the stay-at-home career seeker.
All required pre-licensing courses & required state licenses are covered by the company.
The desired candidate would possess the following skills:
- Excellent customer service skills
- Entrepreneurial Mindset
- Strong leadership and decision-making skills
- Ability to develop, manage and drive growth
- Access to Internet or Wi-Fi connection
Requirements:
- Must be 18+ (This is a FEDERAL requirement)
- Must pass a background check (No Felonies)
- Self-Disciplined, Self-Accountability
- Trustworthy & Honest
What we provide:
- Training Bonus program
- State and Federal Licenses
- Part-time or Full-time Flex options
- No Quotas or Caps on Commissions
- Stock opportunities
- Residual Income Opportunities - 6 income streams