Building wealth through your business, your super and your investments.
How much wealth you build depends partly on the tax decisions you make each year: when you contribute to super, how you hold investments and how you sell a business. We plan those decisions with you from your own figures. Where a decision needs personal financial product advice, we work alongside your licensed financial adviser.
Four areas where tax planning changes the outcome.
These are the points where the tax rules most often change how much of a gain, a contribution or a sale you keep. Each has caps, timing rules and conditions that we check before you act.
Super Contributions
The concessional contributions cap is $30,000 for 2025-26 and $32,500 from 1 July 2026. The non-concessional cap is $120,000, rising to $130,000. If your total super balance was under $500,000 at the previous 30 June, unused concessional cap from the last five years can be carried forward.
Capital Gains
Australian resident individuals and trusts can reduce a capital gain by 50% on an asset held for at least 12 months. Complying super funds get a one-third discount and companies get none. For a sale under contract, the 12 months is counted to the contract date, not settlement.
Investment Property
Interest on a loan used to buy a rental property is deductible while the property is rented or genuinely available for rent. If part of the loan is used for private purposes, or the property is used privately, the interest must be split and only the rental share is claimed.
Selling a Business
Small business owners may be able to reduce or disregard a capital gain using the 15-year exemption, the 50% active asset reduction, the retirement exemption or the roll-over. The basic test is aggregated turnover under $2 million or net assets of no more than $6 million.
To claim a tax deduction for a personal super contribution, you must give your fund a notice of intent and receive its acknowledgment before you lodge your return. If adjusted taxable income and concessional contributions together exceed $250,000, Division 293 tax of 15% applies to the excess, or to the contributions if that is less. The super guarantee rate is 12%.
Four questions we ask before you commit money.
The same investment can leave you with very different after-tax results depending on who holds it, when it is bought or sold, and how it is paid for.
Ownership
Whether an asset sits with you, your partner, a family trust, a company or your super fund, and what that means for tax on income and gains.
Timing
Which financial year income, contributions and gains fall in, and how that interacts with caps, the 12-month rule and your other income.
Cash Flow
How contributions, loan repayments and tax bills are funded, and how much needs to stay available to run the business.
Records
Purchase contracts, cost base records, loan statements and super notices, kept so every deduction and concession can be supported if the ATO asks.
What an accountant can advise on, and when you need a licensed adviser.
Australian law draws a line between tax and accounting advice and personal financial product advice. ASIC guidance sets out where that line sits for accountants. We work on our side of it and bring in a licensed adviser for the rest.
Tax Advice
A registered tax agent can advise on the tax consequences of super contributions, investments and financial products, including transfer balance cap requirements, as part of their tax agent services.
SMSF Set-up and Compliance
Accountants can advise on establishing, operating, structuring or valuing an SMSF without a licence. Retail clients must be told in writing that the accountant is not licensed to give financial product advice.
Broad Asset Allocation
An accountant can give an opinion on how available funds could be split across broad categories such as shares, deposits or managed investments, without naming particular products.
Specific Products
Recommending a particular investment, a class of products, whether to set up or leave an SMSF, or an overall retirement investment strategy is financial product advice. It needs an Australian financial services licence.
Checking an Adviser
Before you act on personal advice, check the adviser on the Financial Advisers Register. Their Financial Services Guide should show their AFS licence number and the product areas they can advise on.
Working Together
Where you already have a financial adviser, we provide the tax figures, contribution history and structure details they need, so the investment advice and the tax position line up.
Wealth planning connected to your tax and structure.
Wealth Creation Opportunities sits alongside our Business Structuring work and our accounting, tax planning and ATO and ASIC services. We review your contributions, investments and business plans each year, model the tax effect of the options in front of you, and coordinate with your financial adviser, lawyer and lender.