Insights

Please note that our practice is not a financial advisory firm. Whilst we provide specialised tax and planning services for investors & businesses, we do not provide financial or investment advice.

As a trustee, there are powerful long term tax strategies to accelerate your wealth, such as leveraging equity, optimising tax benefits, asset structuring and crafting a long-term investment plan. Our services are designed to help you understand these opportunities and maximise your returns.

Yes, through a Limited Recourse Borrowing Arrangement (LRBA), your SMSF can borrow to acquire an eligible asset such as property, provided strict superannuation law conditions are met. We structure and administer LRBAs so your fund stays compliant while you build retirement savings through property.

An SMSF can have up to six members under current superannuation law, giving families and business partners more flexibility than most retail or industry super funds to combine resources and invest together.

Every SMSF must have its financial statements prepared, be independently audited, and lodge an annual return each year, on top of meeting the sole purpose test and investment strategy requirements. We manage this compliance cycle for trustees end to end.

Trusts are commonly used for asset protection, income splitting within a family group, and passing wealth to the next generation without the delay of probate. Whether a trust suits your circumstances depends on your assets, your family situation and your goals, which is why we assess it case by case rather than recommend it universally.

A family (discretionary) trust lets the trustee decide how income and capital are distributed among beneficiaries each year, which suits asset protection and tax planning within a family group. A unit trust instead divides ownership into fixed units, similar to shares, which suits arrangements between unrelated parties or business partners who want a fixed entitlement. We help you choose and set up the structure that fits your situation.

A trust itself doesn’t generally pay tax if all of its income is distributed to beneficiaries each financial year: instead, each beneficiary pays tax on their share at their own rate. Income that isn’t distributed is taxed at the top marginal rate, which is why the annual distribution decision matters. We prepare these resolutions and the trust’s tax return together each year.

A properly structured trust can help separate assets from personal risk, such as claims arising from a business or profession, because the trustee, not you personally, holds the assets for the benefit of others. Asset protection is a common reason to set up a trust, but it works best when the structure is in place well before any risk arises.

We leverage cloud-based systems to provide efficient support to our clients and no longer accommodate paper receipts or invoices. If you’re ready to transition to a cloud-based solution, we’d be happy to assist, reach out to us today.

Yes, we can assist you with integrating or transitioning to a cloud-based accounting system. While the initial setup can be complex, these systems significantly reduce administrative workload, saving you valuable time in the long run.

We specialise in optimising businesses through services such as financial analysis, cash flow management, tax planning, business structuring, and expert advisory. By understanding your operations and financial goals, we deliver tailored solutions to boost profitability, cut costs, and elevate overall performance.

Yes, we can assist with setting up a company. However, before proceeding, we’ll guide you through the pros and cons of a company structure compared to other legal structures to ensure the best fit for your needs.