Intelligent tax planning isn’t about dodging obligations or pushing legal boundaries. It’s about using the structures, strategies, and opportunities that already exist in the tax system, so you keep more of what you earn.

Your Money Your Life

Structuring your wealth tax-effectively

01

Selecting the right ownership structure for investments

Whether that’s individually, jointly, in
super, through a family trust, or in a
company structure

02

Making tax-deductible contributions to super

Including using catch-up contribution rules to accelerate your super while reducing your tax

03

Managing the timing of capital gains events

Strategically timing asset sales to minimise CGT and maximise concessions

04

Creating tax-exempt pension accounts

Setting up account-based pensions that generate tax-free income in retirement and managing withdrawals effectively

05

Working with the right accountant

We don’t offer in-house tax and accounting services, but we work closely with your accountant or help you find the right one if needed

Who tax advice and asset structuring is for

This advice is for you if you’re:

  • A business owner wanting to reduce your tax bill
  • Earning a high income and paying too much tax
  • Holding investment properties and not sure if you’re claiming everything
  • Planning to sell a business or major asset and want to minimise CGT
  • Building wealth across multiple structures and want them optimised
  • Concerned about asset protection and separating business risk from personal wealth
tax advice and asset structuring

Tax advice and asset structuring FAQs

Tax avoidance is illegal – it’s deliberately breaking the law to dodge tax. Tax minimisation uses legitimate structures and strategies within the tax system to reduce what you pay. We only ever recommend strategies that comply with tax law.

It depends. Family trusts offer flexibility in distributing income to family members in lower tax brackets, and they provide asset protection. But they cost money to set up and maintain, and aren’t suitable for everyone. We assess whether a trust makes sense for your situation.

Negative gearing, depreciation schedules, capital works deductions, and correct ownership structures all reduce tax. We review your properties to make sure you’re claiming everything and structured correctly – and show you if there are better options.

If you’re selling a business, small business CGT concessions can reduce your capital gains tax dramatically – potentially to zero. The 15-year exemption, 50% active asset reduction, retirement exemption, and rollover relief are available if you meet the criteria. We help you access these concessions and structure your sale correctly.

It depends on your situation. Companies are taxed at 25-30%, which can be better for retaining profits. Trusts offer flexibility in distributing income to family members in lower tax brackets. Both have pros and cons. We assess your income, family situation, and goals to recommend the best structure.

By separating them through proper structures. This usually involves structuring your business in a company or trust, holding property in your personal name or a separate trust, and making sure there’s no cross-contamination. We help you set up structures that shield your personal wealth from business risks.

Yes — but it needs to be done correctly. Income splitting through trusts, partnerships, super contributions, and investment structures can save significant tax. But there are rules around how much you can split and how it’s structured. We show you what’s possible.

If you’re in a high tax bracket (32% or above), salary sacrificing to super (taxed at 15%) is one of the best tax moves available. It reduces your personal tax and boosts your retirement savings. We calculate exactly how much you should salary sacrifice to maximise the benefit.

At minimum, every few years — or whenever your situation changes significantly (business growth, new investments, change in family circumstances). Tax laws also change regularly, creating new opportunities or closing old ones. We keep you updated and adjust structures as needed.

No. We work alongside your accountant. We focus on strategy — structuring your wealth, identifying tax-saving opportunities, and planning ahead. Your accountant handles compliance — lodging tax returns and managing ATO obligations. We coordinate with them to make sure strategies are implemented correctly.

Since 2009, we’ve helped hundreds of Australians
structure their wealth tax-effectively and keep more of what they earn.

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