What records do I actually need?

Less than you think. We can access the income data the ATO already holds, including salary, interest, dividends, health cover and government payments. You need to supply what the ATO cannot see: deductions, receipts, logbooks, rental statements and details of anything bought or sold during the year.

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Individual tax returns, done properly

A tax return is the one hour a year that decides how much of your income you actually keep. We treat it that way — prepared line by line by a senior registered tax agent, not rushed through a template.

Most people leave money on the table not because they are careless, but because nobody asked them the right questions. A shopfront chain will process your return from whatever you happen to bring in. We work the other way around — we ask what you did this year, what you bought, where you travelled for work, what changed at home, and then we build the return around the answers.

That matters most when your affairs are anything other than a single payment summary. Multiple employers, a rental property, shares or crypto disposals, a side business, salary packaging, redundancy or a capital gain all change the shape of a return, and each one has its own traps.

Every return is prepared by Emile Assaf, a registered tax agent with more than 25 years in the profession — including time as a Tax Compliance Officer at the ATO. Knowing how the other side reviews a return is the difference between a claim that is aggressive and a claim that is simply correct.

Every deduction identified — and substantiated
Rental, capital gains and share disposals handled
Fixed fee agreed before we start, from $220
Prepared and lodged by a senior tax agent
Extended lodgement deadlines as a tax agent client

Book a consultation

What’s included

What a Spectrum return covers

Work-related deductions

Vehicle and travel, tools and equipment, home office, phone and internet, self-education, union fees, uniforms and laundry — claimed to the correct method and backed by records that hold up.

Rental property schedules

Income, interest, repairs versus improvements, borrowing costs and a full depreciation review. Add $110 per property to your return.

Capital gains

Shares, crypto, managed funds and property disposals — including the 50% CGT discount where you have held the asset more than twelve months, and loss offsetting across the year.

Offsets and rebates

Private health, spouse contributions, the low income and seniors offsets, zone and overseas forces offsets — applied automatically where you qualify.

Multiple income streams

Second jobs, ABN income alongside a salary, investment distributions, foreign income and government payments reconciled into one clean return.

A review before lodging

We walk you through what we have claimed and why, so you understand your own return before it goes to the ATO.

How it works

Four steps, and most of the work is ours

Step 1

Get in touch

A short call or an online enquiry. Tell us roughly what your year looked like — we will tell you what it will cost.

Step 2

Send your documents

Securely, by email or in person. We pull what the ATO already holds, so you only supply what is missing.

Step 3

We prepare and review

We build the return, chase anything ambiguous, and check it against your prior years for anything missed.

Step 4

Approve and lodge

You see the result and the refund before anything is lodged. Approve, and it goes same day.

From $220, agreed before we start

A standard individual return is $220 including GST, with an investment property schedule adding $110 per property. Sole trader returns start at $550. You will know your fee before any work begins — there is no hourly meter running.

See full fee schedule

FAQ

Individual tax return questions

If you lodge yourself, the deadline is 31 October. As a registered tax agent we can lodge on an extended timetable — often through to May the following year — provided you are on our client list before 31 October and your prior returns are up to date. If you are already late, see our late tax returns page.

Less than you think. We can access the income data the ATO already holds — salary, interest, dividends, health cover and government payments. What you need to supply is the things the ATO cannot see: your deductions, receipts, logbooks, rental statements and details of anything you bought or sold during the year.

Once lodged, the ATO typically processes electronic returns within about two weeks. We lodge the same day you approve, so the only part of the timeline we control is the fast part.

Only if you want to. Most individual returns are handled entirely by phone, email and secure document exchange — we work with clients right across Norwest, Castle Hill, Baulkham Hills and greater Sydney. In-person appointments are available when you would rather sit down with someone.

Related services

Investment property tax Late tax returns Tax planning Full fee schedule

Ready to get your return sorted?

Book an appointment and we will tell you exactly what it will cost and what we need from you — before you commit to anything.

Book an appointment Call 0413 115 225