Tax planning is the work of maximising every legitimate opportunity available to you. We run every engagement against an 82-point checklist covering tax planning, asset protection and intergenerational wealth planning. The structural work happens once. Every April, May and June we run the playbook again so this year's opportunities don't expire unused.
Run as a one-off engagement, tax planning is useful. You’ll find some opportunities that would have expired and the engagement usually pays for itself. But the real value compounds when it’s integrated: structured to align with your long-term tax and asset protection plan, then woven into your annual compliance cycle so the planning session each April leads naturally into the lodgements that follow.
Once it’s part of the annual rhythm, the work also captures something most owners are flying blind on, the cashflow timing of upcoming tax payments. PAYG instalments across each trading entity, FBT, BAS, super guarantee, the lodgement balance itself. You stop being surprised by tax bills because you’ve forecast them six months out and know exactly when each one hits the bank.
The strategies on this page work because they're actioned before year-end, not after the return is lodged. Whether your year-end is 30 June or a different date, the calendar is what it is. Worth a 25-minute conversation before your next window closes.’re actioned before year-end
Book a Tax Planning SessionAnnual lodgement of last year’s tax return. BAS each quarter. The return tells you what tax you already owe, too late to change. No conversation about structure, super, prepayments or distributions. You find out the bill in October. Next strategy session: never.
Year-round planning, not annual lodgement. Quarterly check-in on profit position and projection. Decisions modelled before transactions, not after. Strategy session in April or May while there’s still time to act. You know the likely tax bill in May, and what we can still do to reduce it.
Discretionary trust? The trustee resolution must exist in writing by 30 June or the trustee is taxed at 47%. Distribute deliberately to lower-rate beneficiaries (adult children, spouse, bucket company) before the year ticks over.
$30,000 concessional cap per year, taxed at 15% inside super versus up to 47% in your name. Catch-up provisions let you sweep five years of unused cap if your super balance is under $500,000. The 30 June cut-off is fund receipt, not bank transfer.
Money out of your company to a related party is a deemed dividend unless documented as a complying loan and serviced with the minimum yearly repayment. We track every Div 7A loan in the group, make sure each minimum repayment is met before 30 June, and use the opportunities the rules actually give you, like timing dividend declarations to maximise franking utilisation, rather than just avoiding the deemed-dividend trap.
Small business entities can prepay up to 12 months of deductible expenses and claim the deduction this year. Interest, insurance, rent, marketing, subscriptions. A timing strategy, not a permanent saving, but valuable when you know next year’s tax bracket will be lower.
The $20,000 instant asset write-off is permanent from 1 July 2026. Time eligible asset acquisitions to land in the right financial year. For larger assets, decide between small business pool depreciation and effective-life.
A debt you’ll never collect is deductible only if you formally write it off, board minute, file note. Same with stock that’s obsolete or below market. Both need a paper trail dated before 30 June.
The structure you set up five years ago might not fit the business you have today. Once a year we test the structure against tax efficiency, asset protection and succession, and plan changes using the rollover relief available.
If this year’s profit is materially lower than last, you can vary the PAYG instalments down. Money stays in the business instead of parked with the ATO at zero interest waiting for the refund 12 months later.
There is nothing in our tax planning work that you would not want to defend in an ATO audit. We do not do schemes, we do not do offshore structures, we do not do anything that depends on the ATO not noticing. Every strategy is what the legislation actually contemplates and what your peers’ accountants are doing. They’re just doing it for them and not for you.
Tax returns, BAS, bookkeeping and payroll all matter. They’re the foundation tax planning sits on. We handle the compliance work cleanly so the strategic work has clean numbers to work from, and so nothing falls through the cracks. You don’t need two firms.
Lodged on time, with the deductions and concessions we built into the year.
Reconciled to Xero monthly. No surprises in the September quarter.
Directors, beneficiaries, related individuals. Modelled together with the entities to optimise the family group total.
Done properly, or we work alongside whoever does it for you and clean what needs cleaning.
Bring last year’s return and this year’s numbers to date. 25 minutes. We’ll tell you the three or four highest-value moves you can make before 30 June, for your business, on your numbers.
Book a Tax Planning Session