Strategic Tax Consultation

The Roadmap to Wealth Protection & Optimization.

Most accounting firms focus on what has already happened. Our 90-minute strategic advisory session looks forward — building a clear tax and wealth roadmap before major decisions are made, for individuals, investors, business owners and SMSF trustees across Sydney, Perth and online.

Explore the Framework

90-Minute Deep-Dive

Sydney · Perth · Zoom

20+ Years Experience

Forward-Looking

Move Beyond Annual Tax Compliance.

Strategic financial planning and tax roadmap analysis

Annual tax compliance looks backwards. A tax return records what happened during the previous financial year. A strategic tax consultation considers what should happen next — covering income tax, capital gains, asset protection, business structure, investment ownership, SMSF compliance and future wealth transfer.

For many Australians, this becomes important when income, assets or business interests grow more complex. A standard return may not be enough for someone who owns multiple properties, operates through several entities, receives trust distributions, runs a business, manages shareholder loans or is considering an SMSF investment strategy.

Investax helps clients move from reactive compliance to proactive planning — creating a practical roadmap that supports legal tax minimisation, protects accumulated wealth, and builds confidence before major decisions are made.

2025–26 ATO update: The 30% bracket now applies from $45,001 to $135,000, making income timing and planning especially relevant for higher-income earners.

The Framework

The Four Pillars of Strategic Tax Planning

A strong financial strategy needs more than one isolated tax idea. Investax uses a four-pillar framework to assess the key areas that affect Australian taxpayers and wealth builders — reviewing each in depth during your consultation.

Step 1: Choose a pillar to view details

Proactive Tax Planning & Minimisation

Tax planning should not be a year-end task. By 30 June, many useful planning opportunities may already be limited. Proactive advice helps identify tax-saving opportunities before decisions are locked in.

Effective tax planning is not about aggressive avoidance — it's about understanding the rules, keeping proper records, and making informed decisions before tax consequences arise.

WHigh-Income Earners & Professionals

Tax Bracket Exposure

Position income to take full advantage of 2025–26 bracket shifts, especially the 30% rate up to $135,000.

Concessional Super Contributions

ATO allows unused caps to be carried forward up to five years — useful in high-income years.

Investment Debt & Interest

Review interest deductibility and whether debt recycling could improve overall tax position.

Prepayment Strategy

Time eligible investment expenses and professional deductions to maximise current-year refund.

BBusiness Owners & Groups

YTD Profit & Tax Estimates

Review profit position and decide whether to bring forward expenses or defer invoicing.

Trust Distribution Resolutions

Valid resolutions before 30 June — distribute tax-effectively while staying Section 100A compliant.

Division 7A Loan Management

Manage shareholder loans correctly to avoid deemed dividends and ATO penalties.

Instant Asset Write-Off

2025–26 temporary $20,000 write-off — strategic timing of equipment purchases for eligible small business.

Entity & Asset Structuring

How assets are owned has a major impact on tax outcomes, risk exposure, succession planning and future flexibility. A simple structure may be easy to start with, but rarely remains suitable as income, assets or business risk increase.

Investax provides asset protection tax advice — assessing whether your current structure is still appropriate across individual, joint, family trust, unit trust, company and SMSF ownership.

Asset Protection

Create a sensible firewall between business risk and personal wealth — depending on circumstances, industry risk, family position and future goals.

Tax Flexibility

Different entities are taxed differently. Review whether your structure allows for suitable income distribution, profit retention, capital gains planning and succession.

Scalability

If a business or portfolio is expected to grow, the structure must support that growth without expensive restructuring later — especially before partners, expansion or sale.

Property & Investment Strategy

Property remains one of Australia's most common wealth-building assets — but it creates complex tax issues if ownership, finance, deductions and exit aren't planned properly.

A strong property tax strategy begins before a property is purchased. The decision to buy in personal names, joint names, trust, company or SMSF affects tax, borrowing, asset protection, land tax, CGT and estate planning.

Acquisition Planning

Decide who should own the property, how rental income is taxed, gearing position, loan interest treatment, asset protection and CGT — before signing the contract.

Capital Gains Tax Planning

Plan the exit before the purchase. Review ownership periods, cost base records, capital improvement costs, main residence rules and 50% CGT discount eligibility.

Cash Flow & Gearing

Negative, neutral or positive — understand the after-tax position so the portfolio supports the wider plan rather than creating unnecessary strain.

SMSF & Retirement Tax Framework

Self-managed super funds offer flexibility and control — but require careful compliance and tax planning. Trustees must understand their responsibilities before using this structure.

A complying SMSF may qualify for a concessional 15% tax rate (per ATO), making correct compliance and structure especially important.

SMSF Structural Review

Align fund structure with investment goals, retirement timeline, tax position and trustee compliance obligations.

SMSF Property Strategy

Tax treatment of Limited Recourse Borrowing Arrangements, Business Real Property rules and strict compliance obligations.

Transition to Retirement

Move from accumulation to pension phase with clarity on tax outcomes and minimal leakage as you access wealth.

Estate & Succession

Death benefit tax, beneficiary nominations and succession planning — protecting wealth passed to beneficiaries.

Where Does Your Roadmap Begin?

Strategic Scenarios.

Generic advice rarely works for complex tax situations. Every consultation is tailored to your current financial stage, future goals and risk profile.

High-Income Pro → Property Investor

Strong income, limited tax planning.

You may have strong income but limited planning, and want to build a property portfolio — unsure about ownership structure, borrowing strategy, asset protection and deductions.

Strategic Focus

Whether your first or next property should be in individual names, joint names, family trust, company or SMSF — covering negative gearing, debt recycling, investment interest, CGT and long-term wealth protection. The goal: an equity-to-asset roadmap connecting current income with future wealth creation.

Scaling Business · Growth + Exit

Outgrown the original setup.

A growing business may have outgrown its original structure. What worked at the start may no longer suit profits, employees, accumulated assets or larger risks.

Strategic Focus

A structural health review — sole trader to company, trust or group structure. Review of Division 7A loans, shareholder agreements, business goodwill, inter-entity transactions and possible Small Business CGT rollover concessions. The goal: more tax-efficient, better protected, more sale-ready.

SMSF Trustee · Complex Retirement

Significant super wealth. Locked away.

You have meaningful super wealth but aren't sure how to deploy it effectively — considering property, retirement income, contribution strategy or pension phase transition.

Strategic Focus

An SMSF tax review covering tax obligations, investment structure, pension planning and estate considerations — keeping the fund compliant while supporting your retirement strategy.

Multi-Entity Group · Compliance

Trusts, companies, SMSFs — and complexity.

Multiple entities mean inter-entity loans, trust distributions, related-party transactions and reporting that's difficult to manage without a clear structure.

Strategic Focus

A group structure map that streamlines reporting, identifies risk points, manages Section 100A trust distribution risks, and aligns every entity toward unified tax minimisation and wealth protection goals.

How It Works

The Investax Strategic Roadmap.

Designed to be focused, efficient and practical. The session is spent on strategy — not basic data entry.

Step One

Strategic Fact Collection

Before the consultation, you complete a digital form capturing income, assets, entities, investments, loans, business interests and goals — so the session focuses on what matters.

Step Two

90-Minute Deep-Dive

Meet with senior tax strategists in person (Sydney or Perth) or via secure Zoom. We review your position through the four-pillar framework to identify opportunities and risks.

Step Three

Bullet-Point Strategic Summary

You receive a concise strategic summary outlining key discussion points, recommended actions, structural considerations and tax planning milestones — your practical roadmap.

Step Four

Implementation & Support

Trust setup, company structure, ATO compliance, ongoing advisory — Investax handles the technical work to execute the roadmap when you're ready.

The People Behind The Strategy

Meet Your Lead Strategists.

Specialist tax knowledge, property investment experience, business advisory expertise and SMSF insight — across Sydney and Perth.

Ershad Ullah - Founder and Lead Tax Strategist at Investax Sydney

Sydney · Perth

Founder & Lead Tax Strategist

Ershad Ullah

Founder of Investax and Managing Director of Camden Professionals. Over 20 years in the Australian tax landscape, specialising in the strategic advice that standard compliance firms often overlook. Has guided thousands of clients through the transition from high-income earners to high-net-worth investors.

Perth

Non-Executive Partner

Lilian Fisher

Over 20 years of public-practice experience including significant time at Deloitte and other leading advisory firms. Practical advice grounded in strong technical knowledge — supporting Camden Professionals' Perth operation across individuals, business owners and multi-entity groups.

Sydney

Associate Partner

Defy Gunadi

Specialises in translating complex tax rules into practical strategies for property investors, business owners and SMSF clients. Focus on the connection between personal wealth, investment structures and self-managed superannuation.

Explore the Full Team →

Why Choose Investax

Strategic, Not Just Compliance-Focused.

Investax works with clients who need deeper advice across tax planning, asset protection, property investment, business structures, SMSFs and long-term wealth creation.

Strategic advice, not just annual compliance

Tailored to your income, assets and structure

Focused on tax efficiency & asset protection

Suitable for property investors & business owners

Backed by experienced tax professionals

Available in Sydney, Perth and online

Connected to practical implementation support

Specialist property & SMSF tax expertise

20+ years across the Australian tax landscape

Frequently Asked Questions

Common Questions, Answered.

What is a strategic tax consultation?

A structured advisory session reviewing tax planning, asset ownership, business structures, property investment, SMSF strategy and long-term wealth goals. Designed to help you make better decisions before tax outcomes are locked in.

Who should book a strategic tax consultation?

High-income professionals, property investors, business owners, SMSF trustees and clients with multiple entities or complex tax affairs. Particularly valuable when income, assets or business interests are growing.

How is this different from a normal tax return appointment?

A tax return appointment usually focuses on lodging past information. A strategic tax consultation focuses on planning future decisions, improving tax efficiency and reducing structural risk before transactions take place.

Can Investax help with asset protection?

Yes. Investax reviews how assets are owned and whether your current structure provides appropriate separation between personal wealth, business risk and investment activity.

Can this consultation help property investors?

Yes. We review ownership structure, negative gearing, rental income, deductible expenses, loan interest, capital gains tax and future investment strategy — ideally before contracts are signed.

Can Investax advise on SMSFs?

Yes. Investax provides SMSF tax and structural guidance covering investment strategy, property considerations, retirement planning and succession issues — helping trustees stay compliant and tax-efficient.

Take Control

Your Financial Future, On Paper.

Tax outcomes shouldn't be left to chance. Book a 90-minute Strategic Tax Consultation and walk away with a practical roadmap for tax planning, asset protection, property investment, business structure and long-term wealth creation.

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