Ershad Ullah's Posts
Recently, I met with a client for a consultation. She earns over $200,000 a year, and the first thing she said to me was, “I know nothing about tax strategies and I’m paying loads of tax—how do I minimise it?” That conversation made me realise how many Australians are in the same position: hardworking professionals who pay […]
Introduction Starting a business is one of the biggest dreams for many Australians. The appeal is clear: flexible work hours, financial independence, and the freedom to be your own boss. Yet, behind these ambitions lies a harsh reality — the majority of small businesses in Australia struggle to survive beyond the first few years. In […]
Almost 90% of the time, when I sit down with a new client in one of our strategic consultations, I discover that estate planning is the very last thing on their mind. It doesn’t matter if they own multiple properties, run a thriving business, or have significant passive investments—often with children depending on them—many still […]
Not long ago, trusts were seen as something only the wealthy used—complicated structures reserved for high-net-worth families or businesses with multi-million-dollar assets. But times are changing. In 2025, we’re seeing more everyday Australians buying their investment property or passive income assets—like shares, ETFs, and even crypto—through a trust structure. So what’s behind this shift? Put […]
2025 seems to be the year of entrepreneurs. Over the past few months, we’ve seen a surge in clients taking the leap into small business ownership—whether it’s opening a coffee shop, running a grocery store, launching environmental building inspections, establishing medical practices, or setting up a paint shop. The queries we’ve received from both new […]
According to a publication by the Reserve Bank of Australia, approximately 40% of fixed-rate loans that were outstanding in early 2022 are expected to expire by the end of 2023, with an additional 20% set to conclude by the end of 2024[1]. This looming expiration presents both challenges and opportunities for Australian homeowners. CoreLogic Australia […]
It’s been a while since we last wrote about the 6-year Capital Gains Tax (CGT) exemption rule, but lately, it’s come up more than ever. Many of our prospective clients—especially property investors—ask about this rule during their initial conversations with us. We usually follow up by sending them some light reading material or FAQs to explain […]
A lot of people ask us whether using a bucket company to minimise tax is legal. In today’s complex tax environment, Australians are facing tax obligations on multiple fronts—from local levies to federal income tax—and it’s no surprise that business owners and property investors alike are actively exploring legitimate strategies to reduce their tax burden. Traditionally, the bucket company strategy was a closely […]
Each year, thousands of Australian taxpayers rush to lodge their tax returns in the first two weeks of July, eager to access their refunds. However, this approach often backfires. In 2025, the Australian Taxation Office (ATO) is once again urging taxpayers to avoid lodging too early. Rushing to lodge before critical income details are pre-filled […]