Tax is one of the biggest costs you will face over your lifetime. Smart planning does not mean aggressive schemes — it means using the structures and strategies available to you under current legislation to keep more of what you earn.
Tax planning is not something you do once a year in June. The most effective strategies are built into your ongoing financial structure — your super contributions, your investment ownership, your salary packaging, and how you draw income in retirement.
I help clients identify opportunities they may be missing. For high-income earners, that often means understanding how Division 293 interacts with salary sacrifice, whether carry-forward contributions make sense, and how to structure investments tax-effectively. For those approaching retirement, it means planning the transition from accumulation to pension phase to minimise tax on the way through.
I work alongside your accountant, not in place of them. Your accountant handles compliance and lodgement. I focus on the strategic decisions that affect how much tax you pay over the long term. The two roles are complementary.
Earning above $200,000 and wanting to understand whether you are making the most of super, salary sacrifice, and other tax-effective strategies.
Owning or considering investment property and wanting to understand the real tax position — not just the headline negative gearing figure.
Approaching retirement and wanting to minimise tax as you transition from earning income to drawing down.
Wondering if you could be keeping more of what you earn? Let's look at your situation together.
Super Contribution Strategy
Use concessional and non-concessional contributions to reduce your taxable income now while building your super for later
Salary Sacrifice Review
Find out whether salary sacrifice is still saving you money at your income level, especially after Division 293
Division 293 Management
If you earn over $250,000, understand how the additional 15% tax on super contributions affects you and what you can do about it
Carry-Forward Contributions
Use unused contribution caps from previous years to make larger super contributions now and reduce this year’s tax bill
Negative Gearing Analysis
See the real cash flow and tax position of your investment property, not just the headline negative gearing figure
Retirement Phase Tax Planning
Plan your move into pension phase so your investment earnings become tax-free and you stop paying tax you don’t need to
Spouse Contribution Strategies
Claim the spouse contribution tax offset or split contributions between partners to reduce your household tax bill
Alan had the patience to educate and guide me through my options, helping shape a secure retirement plan. His responsiveness and ability to explain things clearly made all the difference.
Michael
Sydney
Estimate whether Division 293 tax applies to you
Try CalculatorCalculate unused concessional contributions
Try CalculatorModel property investment cash flow and tax savings
Try CalculatorCheck eligibility for government co-contributions
Try CalculatorCalculate spouse contribution tax offset
Try CalculatorBook a free 30-minute discovery call and let us review your position.
The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. It should not be relied upon as personal financial advice. Before making any financial decisions, consider whether the information is appropriate for your circumstances and seek independent professional advice where necessary.