The Australian tax system is enormously complex, creating both legitimate tax minimisation opportunities and pitfalls for the unwary. We can help you optimise your investments and your finances to take advantage of the opportunities while avoiding the risks.

At Delta Financial, we specialise in supporting clients with successful careers in leading companies, together with successful small business and professional practice owners. So we understand the complex tax issues that higher income earners face.

We will help you identify the most tax effective strategies and structures for your situation, minimising your tax burden and helping you build wealth faster.

Given the accelerating pace of legislative change, effective tax planning demands the most up-to-date resources and informed advice. Your adviser is backed by a panel of selected specialists in areas including shares, property, insurance and estate planning, so they are ideally equipped to provide holistic guidance covering your broad tax situation. We also work closely with your other professional advisers, particularly your accountant, to help ensure you enjoy the best possible after-tax outcomes.

At the same time, we believe it’s essential to maintain your focus on creating wealth over your desired investment timeframe, rather than allowing tax minimisation to overshadow other priorities.

How we can help

Everyone’s situation is different and there are no one-size-fits-all solutions, especially when it comes to tax. At Delta Financial Group, we use powerful financial models to determine which strategy will create the best after-tax outcome for you and your family, taking into account risks of each strategic option.

Here are some of the ways we can help you manage your finances more tax effectively:

Tax-effective strategies.

We’ll help you explore a range of options, including pre-tax super contributions, geared investments in growth assets, and salary packaging.

Personal insurance.

The ownership of an insurance policy can have a significant impact on the after-tax cost of the premiums. We can help you identity the right ownership structure for each policy in your family and business insurance portfolio.

Negative gearing into property.

We have developed a range of advanced property strategies to help you invest more effectively, either working with your preferred property adviser or with our own property specialist.

Small business ownership.

The ownership structure of a small business can have a significant impact on your tax liability while your business is in operation and — just as importantly —when you ultimately sell your interest. We can work with your preferred taxation adviser or introduce you to a business taxation expert adviser to ensure that your business structure is the right one for you today and in the future.

Transition to retirement.

As you approach retirement, a transition to retirement strategy could help you to legitimately reduce tax and boost your super savings without impacting your current lifestyle.

Wills and estate planning.

The way you structure your Will can have a significant impact on the tax that your estate and beneficiaries need to pay. Using structures like jointly owned investments, discretionary trusts and testamentary trusts, we can help ensure you leave behind a valuable legacy, not a hefty tax bill.

To find out more about how we can help you manage your finances more tax effectively, call today 02 9929 3343.

To find out more about how we can help you manage your finances more tax effectively, call today.

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