We service three defined client categories. Each engagement is built around proactive tax, structuring and lending strategy delivered as one coordinated relationship, rather than annual compliance in isolation.
Engagements we accept generally fall into one of the following three categories.
Trading companies, trusts, and multi-entity groups with turnover between $1M and $30M across product, service, and specialty operations.
Medical and dental specialists, legal firms, consulting practices, architecture firms, and other partner-led professional service businesses.
Property portfolios, share and managed fund investors, SMSF members, family trust beneficiaries, and high-income professionals with multi-entity interests.
For businesses with staff, suppliers, and a structure that materially affects tax outcomes, where the accounting function must reflect the scale and complexity of the operation.
Holding companies, operating trusts, service entities, and corporate beneficiaries are modelled, lodged, and reported on a consolidated basis, with the tax position of the group clearly set out.
Monthly profit and loss, gross margin analysis, working capital metrics, and quarterly board-ready packs, built on a reconciled accounting foundation.
A written tax plan issued in May each year, covering Division 7A, trust distribution resolutions, capital acquisitions, and superannuation contributions.
Where the entity structure no longer aligns with commercial activity, we prepare the restructure plan including applicable rollovers, capital gains analysis, and duty implications.
For medical, dental, legal, consulting, allied health, and architecture practices. We have deep experience with the recurring structuring, PSI, and practice transition matters common to partner-led service businesses.
Service trust and entity arrangements reviewed against the current Practical Compliance Guidelines and personal services income rules, with defensible commercial substance.
Where income splitting is permitted, the arrangement is documented and supported. Where it is not, we advise accordingly and identify available alternatives.
Goodwill valuation, small business CGT concessions, vendor finance arrangements, and tax-effective exit planning, modelled prior to the transaction.
The principal's personal tax and investment position is often more complex than the practice itself. Both are advised within a single engagement to ensure alignment.
For clients with multiple properties, family trusts, diversified investment portfolios, SMSF interests, foreign income, or a recent liquidity event requiring coordinated tax management.
Gearing, depreciation schedules, refinance structuring, ownership review, and capital gains tax on disposal, advised on a portfolio-specific rather than generic basis.
Parcel-level capital gains calculations, distribution reconciliation, dividend imputation, and foreign income reporting supported by substantiated working papers.
Trustee resolutions prepared annually in advance of 30 June, with distribution modelling across beneficiaries to manage the combined family tax position.
We don't perform SMSF audit. Where an SMSF exists, we coordinate with the appointed administrator and auditor and model the fund's position within the broader family tax plan.
For significant disposals of a business, investment property, or securities, the capital gains position is modelled in advance. Pre-transaction structuring can materially affect the net outcome.
Tax structure and borrowing capacity are inseparable. We hold a credit licence and write loans in-house, so structuring decisions are tested against what the bank will actually approve before they are implemented.
Borrowing position modelled at the lender's assessment rate before any new structure, trust, or entity is put in place. Avoids the common outcome of a tax-efficient structure that the bank then declines to lend against.
Ownership entity, deposit source, loan structure, and offset positioning resolved as a single decision. Stamp duty, land tax, and CGT consequences modelled against the lending outcome, not after it.
Whole-of-portfolio refinance reviews, debt recycling strategies, and split-loan structuring to convert non-deductible into deductible debt where the client's position supports it.
Access to a panel of more than thirty lenders covering residential, investment, commercial, SMSF, and self-employed lending. Loan submissions are prepared with the accounting file, which materially improves serviceability outcomes for business owners.
A 20-minute conversation with a senior accountant. We'll identify where there is room to reduce tax, sharpen the structure or improve borrowing capacity, and confirm whether the engagement is within our areas of focus.