Tax Planning Services

How this usually works

A good tax planning process starts with a diagnostic of your year-to-date figures, structure and upcoming transactions. We confirm what’s driving profit, what’s changing before 30 June, and where documentation is needed to lock in the position.

Work typically falls into three layers: immediate actions (e.g. super contributions, asset purchases within current rules, trust resolutions), process fixes (clean coding, payroll and GST accuracy), and an ongoing review rhythm (quarterly or pre-EOFY checkpoints).

What is tax planning? Key strategies that matter

• Timing income and deductions: Bring forward deductible expenses you’ll incur anyway, and manage the timing of invoicing where commercially sensible.
• Superannuation strategies: Use available caps and catch-up rules (if eligible) to reduce taxable income while building retirement savings.
• Assets and depreciation: Consider instant asset write-off or other depreciation methods subject to current thresholds and eligibility rules.
• Structure and distributions: Ensure trust distribution minutes are done correctly and on time; review company profit extraction and Division 7A exposure.
• Capital gains planning: Map out CGT timing, discount eligibility and small business CGT concessions where applicable.
• PAYG instalments and cash flow: Adjust instalments so they reflect reality and preserve cash through the year.
• GST, FBT and payroll: Check car fringe benefits, allowances, reportable super, and GST coding to avoid leakage.

Every recommendation should reference the rule it relies on and the documentation required. If a strategy can’t be clearly explained, it’s a red flag.

When to plan in the Australian financial year

• Early year (Jul–Dec): Set targets, review structure, fix bookkeeping and payroll issues.
• Q3 check-in (Jan–Mar): Reforecast profit, test PAYG instalments, map likely year-end actions.
• Finalise before 30 June: Execute contributions, asset purchases, trust resolutions and board minutes.
• After year-end: Documentation, compliance and reporting—planning opportunities are limited once the year closes.

Australian context to keep in view

• Accountant fit: Look for registrations (TPB), industry experience and a cadence that keeps you on track—not just at tax time.
• Compliance vs advisory: Many businesses need both—lodgements done right and proactive planning to shape outcomes.
• Documentation: Minutes, trustee resolutions and Division 7A agreements must be accurate and timely to be effective.

What to compare before you commit

What we need from you to begin

• Year-to-date P&L and balance sheet from your accounting software.
• Prior-year returns and financial statements (company, trust, individual as relevant).
• Upcoming transactions: equipment purchases, asset sales, dividends/loans, or restructures.
• Payroll, super and GST positions, plus any ATO correspondence.

If records need cleanup, we’ll triage that first so planning is based on accurate numbers.

Typical pricing and engagement models

Indicative ranges in Australia:

• Focused pre-EOFY planning review for a small business: $660–$2,200 depending on complexity.
• Company/trust planning with CGT or Division 7A considerations: $2,000–$6,000+.
• Ongoing advisory cadence (quarterly or monthly): $300–$1,500 per month based on scope and meetings.

Final pricing depends on structure, data quality and the number of moving parts. Ask for a scope letter listing deliverables and deadlines.

Best next steps

Write down the outcome you want—lower tax within the rules, smoother cash flow, clean compliance, or clarity before a sale or investment. Shortlist providers who can explain the legislative basis for each recommendation and the documentation required.

Useful paths:

• If you need ongoing business support, see Business Tax Accountant.
• If you expect a company return, see Company Tax Return Accountant and Tax Accountant for Companies.
• If you’re selling an asset or property, read Capital Gains Tax Help.