Ershad Ullah's Posts
There’s been a lot of confusion about the Division 296 tax — especially among clients with larger super balances who keep a close eye on superannuation changes. Many have asked: What happened to the old version? Is it really taxing unrealised gains? And what will the new system look like from 2026 onward? This article breaks down the recent government […]
Lately, we’ve noticed that many property investors are becoming increasingly aware of how tax structures can impact their overall wealth. They’re actively exploring ways to minimise tax, acquire more properties, and protect their existing assets. Among the most discussed strategies are purchasing property through a trust or via a Self-Managed Super Fund (SMSF). Both structures can deliver excellent long-term benefits, but they also […]
Capital Gains Tax (CGT) remains one of the most popular topics among property investors, and for good reason. Many assume it’s simply the difference between buying and selling an asset, but the reality is far more complex. The calculation involves multiple factors such as acquisition costs, ownership structures, and timing. When subdivision enters the picture, […]
From our experience working with developers, we are seeing a clear trend—more and more experienced property investors are stepping into property development. These “small developers,” often working on projects ranging from $4 million to $20 million, quickly realise that the structure they choose can make or break their business outcomes. The risks are even greater […]
In recent years, more Australians have looked beyond traditional single-dwelling investments and embraced the idea of granny flats and dual occupancy properties. Some of our clients have added a granny flat to the back of their existing home, while others have purchased an investment property that already includes a dual occupancy setup. This trend reflects the growing need for properties […]
Introduction This is a topic that never goes out of style. Every investor wants to save tax, especially when it comes to selling a large asset such as a residential investment property or a commercial property. The bigger the profit, the bigger the Capital Gains Tax (CGT) bill—and that can run into hundreds of thousands […]
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 […]