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Tax planning, while you can still change the outcome

By the time a return is prepared, the year is closed and the tax is whatever it is. Everything that genuinely reduces your bill has to happen before 30 June.

There is a fundamental difference between tax preparation and tax planning. Preparation is reporting what already happened. Planning is deciding what happens — timing income and deductions, using the structures available to you, and making deliberate choices in the months when those choices are still open.

A planning session looks at the whole picture rather than one entity or one return. Your salary or business profit, your investment properties, your share portfolio, your super contributions and your family’s overall position all interact. Optimising one in isolation frequently costs you somewhere else.

These are legitimate, well-established strategies — the ones the tax system explicitly provides for. There is no aggressive scheme here, nothing that relies on the ATO not looking. What there is, is the difference between using the rules deliberately and stumbling through them.

  • 60-minute one-on-one strategy session
  • Income, property, business and super considered together
  • Actionable before 30 June, not after
  • Legitimate strategies, documented properly
  • $220 including GST
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What’s included

What we look at

01

Timing income and deductions

Deferring income into the next year or bringing deductions forward — prepaying expenses, writing off bad debts, scrapping obsolete assets before year end.

02

Superannuation strategies

Concessional and non-concessional contributions, catch-up contributions using unused cap from prior years, spouse contributions and the government co-contribution.

03

Income splitting

Distributing through a trust, employing a spouse at a commercial rate, or holding investments in the lower-income name — where each is genuinely available to you.

04

Capital gains planning

Timing a disposal across the 30 June line, holding past twelve months for the 50% discount, and offsetting gains against realised losses.

05

Structure and asset protection

Whether your current entity still suits your income and risk, and what separating business risk from personal assets would involve.

06

Division 293 and high incomes

Where income plus concessional contributions exceeds $250,000, an extra 15% applies to those contributions — worth planning around rather than discovering.

How it works

How a planning session works

Step 1

Book before June

The earlier in the year, the more options remain open. March to May is ideal; anything after 30 June is history.

Step 2

We review first

Prior returns, current year figures and your entity structure reviewed before we sit down, so the session is not spent gathering facts.

Step 3

The session

Sixty minutes across income, property, business and super — with the numbers modelled rather than described.

Step 4

A written action list

You leave with specific actions and deadlines, not general advice. We can implement the ones that need us.

$220 for a session that usually pays for itself

A tax planning session is $220 including GST for a full 60 minutes, one on one. For clients on a Care Plan, planning conversations are part of the year-round support rather than a separate engagement.

See full fee schedule
FAQ

Tax planning questions

March to May is the sweet spot — recent enough that we can estimate the year accurately, early enough that there is still time to act. A session in July can still shape the year ahead, but it cannot change the one that just closed.

No. Everything we recommend uses provisions the tax law deliberately provides — contribution caps, the CGT discount, trust distributions, prepayment rules. Emile spent time as a Tax Compliance Officer at the ATO, which is a good grounding in where the actual line sits. We do not go near it.

Often yes, particularly if you have investments, a property, significant super contributions or a capital gain coming. Salary itself offers limited flexibility, but what surrounds it usually does — and the higher your income, the more the surrounding decisions are worth getting right.

Your most recent tax return, an estimate of this year’s income, details of any property or share transactions during the year, and your latest super statement. If you run a business, current year figures from your accounting file. We will tell you if anything else is needed beforehand.

Related services
Individual tax returnsCompany & trust returnsSMSF accountingFull fee schedule

Book before the year closes

The options available in April are not the options available in August. Book a planning session while there is still something to plan.

Book an appointment Call 0413 115 225