Individual Tax Planning and Advice for Australians

Proper tax planning makes it easier for you to manage, allocate, and make the best use of your finances. Instead of finding out what you owe once the year is over, we work with you ahead of time to structure your income, investments, and deductions tax-effectively, so there are no nasty surprises and no missed opportunities. Our tax accountants give you clear, practical tax advice tailored to your situation.

• Proactive strategies that legally reduce the tax you pay
• Personal tax advice tailored to your income, investments, and life stage
• Tax savings identified before the financial year ends
• Strategies to build and protect your wealth over time
• Year-round guidance, not just a once-a-year tax return
• Registered tax agents who keep you aligned with ATO rules

Tax Planning Facts for Australians

Plan Before 30 June. The Australian financial year ends on 30 June. Most effective tax planning happens before that date, while you can still act on it. Once the year closes, your options narrow significantly, which is why planning early matters.

Marginal Tax Rates. 2025-26 resident rates rise at 16%, 30%, 37%, and 45% as income increases, on top of the 2% Medicare levy. Understanding your marginal rate is the starting point for any strategy to legally reduce your tax liability.

Capital Gains Timing. Individuals who hold an asset for more than 12 months generally qualify for the 50% CGT discount. Timing the sale of property or shares can make a meaningful difference to the tax you pay.

Superannuation Contributions. Concessional super contributions, including through a self-managed super fund (SMSF) where appropriate, can be a tax-effective way to build retirement savings within annual caps. We help you understand the limits and whether contributing more suits your situation.

Deductions and Offsets. Planning lets you bring forward deductible expenses, prepay where appropriate, and make sure you claim every offset you qualify for. Small, well-timed decisions add up over a year.

Legitimate, Not Risky. Good tax planning is about using the rules as intended, never bending them. As registered tax agents, every strategy we recommend keeps you compliant with your tax obligations and Australian Taxation Office (ATO) requirements.

What Our Individual Tax Planning Includes

We help you manage, allocate, and make the best use of your finances with practical, personalised tax strategies designed around your income, investments, and goals. From everyday tax advice to wealth creation and planning for family trusts and succession, we tailor each strategy to you.

Tax Minimisation Strategies

We identify legitimate tax savings and ways to reduce your tax liability, from timing income and deductions to structuring investments tax-effectively, all within ATO rules.

Investment and Rental Planning

For property investors and shareholders, we plan around negative gearing on your rental property, capital gains timing, and the deductions that apply, so your investments build wealth and work harder after tax.

Capital Gains Planning

Before you sell property, shares, or other assets, we model the tax impact and help you time the sale and apply the 50% CGT discount where eligible.

Superannuation and SMSF Strategies

We help you understand how concessional and non-concessional contributions, including through a self-managed super fund (SMSF), can support your retirement savings tax-effectively, within the annual caps that apply.

Income and Cashflow Forecasting

We forecast your likely tax position so you can set money aside with confidence and avoid being caught out by an unexpected bill at lodgement time.

Wealth, Trusts and Succession

Beyond the current year, we advise on building wealth, using family trusts where suitable, and succession planning, so what you have worked for is protected and passed on tax-effectively. We are available all year, not just at tax time.

Tax Planning and Advice Across Australia

Based in Redland Bay, Brisbane, we provide individual tax planning and advice to clients across Queensland and all of Australia. Our secure online systems mean we can plan with you wherever you live, with the same personal service.

Frequently Asked Questions

When should I do my tax planning?

Before 30 June. The Australian financial year ends on 30 June, and the most effective planning happens before that date while you can still act on it. Once the year closes, your options narrow significantly.

How is tax planning different from a tax return?

A tax return looks backward and reports what already happened. Tax planning looks forward: we structure your income, investments, and deductions ahead of time so you legally pay less and aren't caught out by a surprise bill.

Can you help me reduce capital gains tax?

Yes. Before you sell property, shares, or other assets, we model the tax impact and help you time the sale and apply the 50% CGT discount where you're eligible, generally on assets held more than 12 months.

Is tax planning only for high earners?

No. Anyone with investments, a rental property, a growing income, or plans for their wealth benefits from planning ahead. The higher your marginal rate, the more a good strategy is worth, but the principles apply broadly.

Are these strategies legitimate?

Yes. Good tax planning uses the rules as they are intended, it never bends them. As registered tax agents, every strategy we recommend keeps you compliant with the ATO.

Do you help with superannuation and SMSFs?

Yes. We help you understand how concessional and non-concessional contributions, including through an SMSF where appropriate, can build your retirement savings tax-effectively within the annual caps that apply.