Tax Planning

Tax planning in Perth means structuring your income, investments, and superannuation to legally minimise what you pay to the ATO. For high-income earners in Western Australia, the gap between a well-structured tax position and an uncoordinated one can run to tens of thousands of dollars per year.

build personalised tax planning strategies for Perth families and individuals with complex financial lives. We do not sell products. We give advice, and our only obligation is to you. See also

Most Australians only think about tax at the end of the financial year. By then, the most powerful strategies are already off the table.

Tax planning is year-round work. Decisions made in July about super contributions, in October about investment timing, and in April about income deferral all compound to produce a materially different outcome by 30 June. Our role is to coordinate those decisions so you arrive at year end in the best possible position.

Concessional contributions to superannuation are taxed at 15 per cent rather than your marginal rate, making them one of the most reliable tax reduction tools available. We help you maximise your annual cap, use carry-forward unused caps from prior years, and time contributions for maximum impact. For those above the Division 293 threshold of

we model whether concessional contributions remain advantageous given the additional 15 per cent tax. Learn more about

retirement planning and superannuation strategy in Perth

A properly structured family trust can distribute income to beneficiaries in lower tax brackets, reducing the household’s total tax burden. Since the ATO intensified its focus on Section 100A arrangements from 2022, well-documented and genuinely received distributions remain a legitimate and powerful strategy. Poorly structured or undocumented arrangements carry material risk of reassessment. We work alongside your accountant to ensure your trust strategy is compliant and defensible. Explore

For investors selling shares, property, or business assets, the timing of a disposal can significantly affect your CGT liability. Assets held for more than 12 months qualify for the 50 per cent CGT discount. Distributing gains via a trust, or matching them against available capital losses, can reduce your effective rate further. We plan asset disposals as part of your broader tax strategy, not as isolated decisions.

For high-income earners with investment properties, negative gearing allows interest and other property costs to offset taxable income. The strategy works best when it forms part of a long-term asset accumulation plan rather than a short-term tax fix. We model the full picture: cashflow, tax benefit, and long-term return.