Tax Advice from a Registered Tax Agent
Get clear advice on your personal or business tax before you make the decision, while you can still change the outcome. We work through the numbers with you in our Chippendale office or online, and agree a fixed fee before we start.
Get advice before you act
Most tax outcomes are fixed at the moment you sign something: a contract of sale, a new company structure, a redundancy agreement, or a super contribution. For capital gains tax, the CGT event usually happens on the date of the contract, not settlement. By the time your return is prepared, it's too late to change the result. An hour of advice beforehand can show you what tax you'll pay, what it would be if you did it differently, and what records to keep.
What we can help with
- Tax planning before 30 June: deductions, the timing of income and expenses, and super contributions.
- Property: buying, renting out or selling property, negative gearing, and capital gains tax, including the main residence exemption.
- Shares and crypto: capital gains and losses, and the records you need to keep.
- Business structures: sole trader, partnership, company or trust, and when to change. See sole trader vs company.
- Residency and overseas income: tax residency, foreign income and double tax relief.
- Dealing with the ATO: reviews, audits, objections, payment plans and penalties.
- Redundancy, bonuses and termination payments: how they are taxed and what you can do about it.
Decisions people bring to us in 2026–27
Selling property or shares. Individuals and trusts get a 50% CGT discount on assets held for more than 12 months, and your main residence is generally exempt. From 1 July 2027 the discount is replaced by indexation of the cost base and a 30% minimum tax for gains that build up from that date. The timing of a sale and how gains are split across the change now matter. See capital gains tax and the 2027 CGT and negative gearing changes. Buying an investment property. For established residential property bought after 7:30pm (AEST) on 12 May 2026, losses from 1 July 2027 can no longer be deducted against wages or other income; they carry forward to future years instead. New builds and properties held before then keep negative gearing. We model the after-tax cash flow both ways. See rental property tax returns and the ATO's capital gains tax reform page. Super contributions. The concessional cap is $32,500 from 1 July 2026 (it was $30,000 in 2025–26), and the non-concessional cap is $130,000. If your income and concessional contributions are over $250,000, Division 293 tax applies. We check how much you can still contribute and whether catch-up contributions from earlier years are available. See the concessional contributions cap. Redundancy and termination payments. For 2026–27, the tax-free part of a genuine redundancy is $13,598 plus $6,801 for each completed year of service. Amounts above that are taxed as an employment termination payment. We check the figures before you sign. See redundancy tax-free threshold. Starting, growing or restructuring a business. Sole trader, partnership, company or trust? Base rate entity companies pay 25%. Money taken out of a company has to be handled correctly under Division 7A (the benchmark rate is 8.77% for 2026–27). From 2026–27, companies can again carry a loss back against tax paid in the previous two years. The $20,000 instant asset write-off is now permanent for small businesses. See sole trader vs company. Moving to or from Australia. Residency decides what Australia taxes. Foreign residents lose the main residence exemption and part of the CGT discount. We work through the residency tests and any double tax agreement. See Australian tax residency test. Separation and divorce. Transfers of property and super under a settlement can have CGT and other tax consequences. See divorce settlements and tax.
What a tax advice appointment looks like
- 01
Before
When you book, tell us the decision you're facing and send what you have (contract, payslips, statements, last tax return). We tell you if we need anything else.
- 02
The meeting
In Chippendale, by phone or by video. We explain your options and the likely tax on each in plain English, with the figures worked through.
- 03
After
If the decision goes ahead, we can carry it through into your tax return, BAS or company tax return. Where the law isn't clear, we can apply for an ATO private ruling for you.
Tax advice, not product advice
We advise on the tax outcome of what you're planning. We don't recommend investments, super funds or insurance products. If you need that, we're happy to work alongside your licensed financial adviser, so the tax and investment advice line up.
Fees
We agree a fixed fee before we start. Fees for tax advice from a registered tax agent are generally tax-deductible in the year you pay them. See us at our Chippendale office, or work with us by phone, video and email from anywhere in Australia.
Free guides
Related guides
Plain-English answers from our registered tax agents. Free to read, no sign-up.
Individual Tax Returns
How to reduce your taxable income
Salary sacrifice, personal super contributions ($30,000 cap for 2025–26, $32,500 from 2026–27), deductions and timing: 10 legal ways with worked examples.
Read guide
Tax Tips & Planning
Concessional contributions cap
Master the concessional contributions cap with our guide. Learn the rules, limits, and smart strategies to boost your super and save on tax.
Read guide
Capital Gains Tax
Capital gains tax on property
CGT isn't a separate tax: a property gain is added to your income, taxed at your marginal rate and halved if held 12+ months. Worked examples, 2027 changes.
Read guide
Frequently asked questions
Before you act: before selling property or shares, changing your business structure, making large super contributions, receiving a redundancy payment, or moving overseas.
We advise on tax. For advice about investments or financial products, we can work alongside your licensed financial adviser.
Yes. We can meet by phone or video, wherever you are in Australia.
Generally, yes. The cost of advice about your tax affairs from a registered tax agent is deductible in the year you pay it.
Tax planning means arranging your affairs within the law: timing income and deductions, using super caps, or choosing a suitable structure. Tax avoidance is entering into an arrangement mainly to get a tax benefit, and the ATO can cancel that benefit and apply penalties under the general anti-avoidance rules. We only advise on legitimate planning, and we'll tell you if a proposal you've seen crosses the line.
It depends on the asset, how long you've held it and how much of the gain has already built up. From 1 July 2027, the 50% CGT discount is replaced by cost-base indexation and a 30% minimum tax for gains accruing from that date. We can estimate the tax both ways before you sign a contract, because the CGT event is usually the contract date.
Usually, if the amount involved is significant: selling an investment property, a redundancy payout, a large super contribution, or setting up a company. The tax outcome is often fixed when you sign, so a fixed-fee session beforehand costs far less than fixing a problem afterwards.
Ready to get started?
Our registered tax agents make it quick and painless — book an appointment or grab a quick quote today.
