Tax Optimisation for High-Income Earners
For high-income earners, tax affects almost every money decision: how much to put into super, whose name your investments are in, and when to sell them. When we advise on your super and investments, we show you the tax effect in dollars, and we work with your accountant.
We work with high-income professionals and couples who:
pay tax at the top marginal rate and want to check how their super and investments are taxed
have money building up outside super and wonder whether more should go in
earn enough to pay Division 293 tax, an extra 15% on concessional super contributions
hold investments with large gains and are thinking about selling
aren’t sure whose name or what structure new investments should be held in
want their adviser and accountant working from the same numbers
Who We Help
What We Do
We start with your income, super, investments and debts, the gains built up in what you hold, and your latest tax return.
For example, what an extra contribution saves in tax this year and what it locks away, or what a sale costs in capital gains tax if it happens in one year or over two.
Your Statement of Advice sets out what we recommend, the expected tax effect and the assumptions behind it.
We prepare the paperwork, including the notice your super fund needs before you claim a deduction for a personal contribution, and send your accountant the details they need for your return.
Caps, thresholds and your income change. If you choose ongoing advice, we review your contributions and investments each time we meet.
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Your accountant does a different part. As your tax agent, they lodge your return, advise on your wider tax position and set up structures such as trusts and companies. We recommend what to do with your super and investments, show the tax effect in dollars, put it in place and send your accountant the details. If you don't have an accountant, we can introduce one.