Keep more of what you earn
Every dollar you pay in unnecessary tax is a dollar that isn't compounding in your investment portfolio, building your superannuation or funding the life you're working towards.
Tax minimisation isn't about loopholes or aggressive schemes. It's about making smart, legal, well-structured decisions that reduce your tax liability across your income, investments and superannuation — and doing it consistently, year after year.
At Moolawise, we work alongside your accountant to ensure your financial strategy is as tax-effective as possible. We look at your complete financial picture — income, assets, super, investments and estate — and identify opportunities that a tax return alone will never surface. And when the time comes to pass wealth to the next generation, the right structures mean more of what you've built goes to the people you love, not to tax.
What we cover:
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Tax-effective investment structuring — trusts, companies, individual vs joint ownership
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Salary sacrifice and pre-tax super contribution strategies
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Franking credit optimisation within your investment portfolio
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Negative gearing and investment property structuring
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Capital gains tax (CGT) management — timing of asset sales and CGT discount strategies
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Transition to retirement strategies to reduce tax in the lead-up to retirement
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Income splitting strategies for couples and families
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Intergenerational wealth transfer — structuring assets to minimise tax on death and maximise what passes to your beneficiaries
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Coordination with your accountant and estate planning advisers to align financial advice with tax planning
Who is this for:
Tax minimisation advice is particularly valuable for high-income earners, business owners, property investors, and anyone approaching retirement with significant assets. If you are earning above $120,000, own investment property, hold a share portfolio or are drawing down super, there are almost certainly legal strategies available that could meaningfully reduce what you pay. It is also never too early to think about how your estate will be taxed — the decisions you make today about asset ownership and superannuation beneficiary nominations can have a significant impact on what your family ultimately receives. We help you find every opportunity.
Moolawise have helped us achieve our lifestyle goals and then found more ways to help us that we had not thought of. Every single time we have reached out with a question, our adviser has been there for us right away.
— Ronen