Brisbane · CPA-qualified · Registered Tax Agents
Tax planning that happens in time.
A return records what already happened. Planning changes what happens — but only if the conversation occurs before 30 June, not in October when nothing can be undone.
What is tax planning, and when should it happen?
Tax planning is deliberately arranging income, expenses, asset purchases, disposals and superannuation contributions before the year ends so that less tax is legally payable. The practical window in Australia is March to June. After 30 June almost every lever — prepaying deductible expenses, timing a capital gain, making a concessional contribution within the $30,000 cap, deferring an invoice, writing off obsolete stock — has closed for that year.
- Planning meetings booked March–June
- Modelled projections before you commit
- Entity, trust and distribution review
- Every position documented for the ATO
Why us
Why Brisbane clients choose us for tax planning.
Modelled, not guessed
We project your position for the year, then model each option so you see the tax effect and the cash effect before deciding.
Structure-aware
The largest savings usually come from where income is earned and assets are held — company, trust, partnership or personal name — not from finding one more receipt.
Legal and documented
Every strategy is grounded in legislation and current ATO rulings, with reasoning documented in case of review. No schemes.
Whole-of-family view
For family businesses we plan across entities and household members, including distributions, Division 7A loans and super.
Who it's for
Where planning pays for itself
If any of these are true this financial year, a planning session before 30 June is likely to return several times its cost.
- Your business income is up materially on last year
- You're selling property, shares or crypto at a gain
- You're buying equipment or a work vehicle
- You operate as a sole trader and profits are growing
- You have a trust and need distributions resolved before 30 June
- You're approaching retirement or considering a pension
- Your spouse's income differs significantly from yours
- You've received a bonus, ETP or inheritance
Indicative fees
| Engagement | Indicative fee |
|---|---|
| Individual planning session | from $390 |
| Sole trader / single-entity plan | from $650 |
| Company or trust with structure review | from $1,200 |
| Family group (multiple entities) | quoted after review |
| Included in ongoing business packages | no extra fee |
What's included
What the engagement covers.
Year-end projection
Estimated taxable income and tax payable for each entity and individual, so nothing is a surprise in October.
Timing strategy
Deferring income, prepaying deductible expenses, bringing forward or delaying asset purchases and disposals — legitimately, with substance.
Entity and structure review
Whether your current structure still fits: company tax rates, trust distributions, service entities, and the asset-protection trade-offs.
Superannuation strategy
Concessional contributions to the $30,000 cap, carry-forward unused cap space, spouse and downsizer contributions, and Division 293 thresholds.
Capital gains planning
Disposal timing across financial years, the 12-month discount, small business CGT concessions, and loss harvesting against realised gains.
Written action plan
A dated checklist of what to do before 30 June, who does it, and the expected saving — then we confirm it was executed.
How it works
Our process.
- 1
Projection meeting (March–May)
We review year-to-date figures across your entities and project the full-year position.
- 2
Strategy modelling
Each option is quantified — tax saved, cash required, risk and compliance implications.
- 3
Written plan
You receive a dated action list with responsibilities and deadlines before 30 June.
- 4
Execution and evidence
We help execute — minutes, distribution resolutions, contribution timing — and file the evidence.
- 5
Confirm at lodgement
At return time we verify the planned outcome landed, and start next year's plan.
FAQ
Tax Planning — questions we're asked most.
Isn't tax planning just for wealthy people?
No. The clearest wins are ordinary: a tradie deciding whether to buy the ute in June or July; a couple deciding whose name an investment is held in; a sole trader deciding whether to make a concessional super contribution instead of paying the same money in tax. None of that requires wealth — just timing.
How is this different from tax avoidance?
Planning uses concessions and choices that the law explicitly provides — the discount on gains held over twelve months, deductible super contributions, small business concessions, entity choice. Avoidance schemes lack commercial substance and are attacked under Part IVA. We don't go near them; every position we recommend is one we can defend on the record.
When should I book a planning meeting?
March to May is ideal — enough of the year has passed to project accurately, with time left to act. June still works for contributions, prepayments and purchases. After 30 June we're limited to reporting the outcome rather than improving it.
Can you plan around a big capital gain?
Often, yes — if we're involved before contracts are signed. Options include disposal timing across years, ensuring the twelve-month discount applies, offsetting realised losses, the small business CGT concessions if the asset is business-related, and contributing proceeds to super under the relevant caps. Once the contract is executed, the CGT event date is generally fixed.
Do I need to change my business structure?
Not necessarily, and we don't restructure by default — there are stamp duty, CGT and administrative costs to weigh. We model whether the annual saving justifies those costs, and if it doesn't, we say so.
What does planning cost and is it deductible?
From $390 for an individual session to $1,200+ for a company or trust with a structure review. Fees for managing your tax affairs are generally deductible. It's included at no extra charge in our ongoing business packages.
Related services
Explore related services.
Tax Returns
Individual and business returns prepared accurately, lodged fast, with every deduction claimed.
Learn more →Business Advisory
Structuring, cash-flow forecasting, growth strategy and succession planning.
Learn more →Self-Managed Super (SMSF)
SMSF setup, administration, compliance and audit coordination in one place.
Learn more →Property Investment Accountant Brisbane
Rentals, depreciation, CGT
Learn more →Small Business Accountant Brisbane
Sole traders to companies
Learn more →Crypto Tax Accountant Brisbane
CGT on digital assets
Learn more →Local coverage across Brisbane
We work in person from our Wakerley office and by secure video across 200 suburbs. Start with your region:
- Accountants Brisbane CPA accountants for the wider Brisbane metro area.
- Accountants South Brisbane South Brisbane, West End, Annerley and Sunnybank.
- Accountants Brisbane Northside Chermside, Stafford, Aspley and the northern corridor.
- Accountants Brisbane Bayside Wynnum, Manly, Wakerley and Tingalpa.
- Accountants Redland City Cleveland, Capalaba, Victoria Point and the bay islands.
- Accountants Logan City Springwood, Beenleigh, Browns Plains and 50 Logan suburbs.
- Accountants Ipswich Ipswich CBD and the western Brisbane corridor.
Ready when you are
Tax Planning — let's talk.
Free 15-minute consultation and a fixed-fee quote in writing. Mon–Fri 9am–5pm AEST.