Cash flow, contributions and tax aren't separate conversations
Where your money goes day to day affects what you can contribute. What you contribute affects your tax position. Your tax position affects how much is actually left over. Looking at any one of these in isolation misses how they connect.
- A clear picture of where your income actually goes each month
- How contributions and structure affect what you keep
- Decisions made with enough lead time to actually use them
Income arrives. Salary, business income, or both.
Cash flow is structured. What's spent, saved, and directed where.
Contributions and structure are set. Including super, where relevant.
Your tax position follows. Shaped by everything above it.
What a cash flow and structure review covers
These areas are reviewed together as part of your overall financial advice, alongside your accountant where relevant.
Where Money Currently Goes
A clear picture of income, expenses and savings, the foundation everything else is built on.
Super Contributions
How contributions are structured, including employer contributions, salary sacrifice and personal contributions, and the caps that apply.
Timing of Decisions
Some structuring decisions are time sensitive, particularly around the end of the financial year. Timing matters as much as the decision itself.
Working with Your Accountant
Where tax advice is needed, we coordinate with your accountant or tax agent so your financial strategy and your tax position are aligned.
Debt and Savings Structure
How savings, offset accounts and debt repayment are structured can materially affect your overall position over time.
Ongoing Review
Rates, caps and thresholds change each financial year. We build in regular check-ins so your strategy keeps pace.
Most people only think about this once a year, usually too late
By the time tax time arrives, most of the decisions that could have made a difference have already passed. The conversation usually starts well before then.
Every year my accountant asks if I made extra super contributions, and every year the answer is no, because nobody told me in time.
I feel like I'm earning more than ever but somehow have less to show for it. I don't know where it's actually going.
My income changed this year and I have no idea what that means for my tax, my super, or anything else.
Worth knowing before you book
A strategy session is a calm, structured conversation. There's no pressure and no obligation to proceed.
This is a good fit if
- You want a clearer picture of where your money actually goes
- You'd like to understand how contributions and structure affect your position
- You're open to planning ahead of the end of the financial year, not after it
- You're happy for us to coordinate with your accountant where relevant
This isn't the right fit if
- You're after specific tax advice or lodging a tax return (this is your accountant's role)
- You want a guaranteed reduction in tax payable
- You're not interested in looking at your broader financial picture
- You're looking for an aggressive tax minimisation scheme
Current rates, caps and thresholds
Contribution caps, tax brackets and thresholds are reviewed and indexed each financial year. Rather than quote figures here that can go out of date, these official sources always reflect what currently applies.
Super Contribution Caps
Current concessional and non-concessional contribution caps, and the carry-forward rules.
Individual Income Tax Rates
Current income tax brackets and rates for Australian residents.
Super Guarantee Rate
The current minimum percentage employers must contribute to your super.
Medicare Levy & Surcharge
Current thresholds for the Medicare levy and Medicare levy surcharge.
Transfer Balance Cap
The current limit on how much super can be moved into retirement phase.
Key Tax Dates
Important dates for individuals, including lodgement deadlines.
Have the conversation while there's still time to act on it
Book a strategy session. The review, the strategy and the session are all at no cost. A fee only applies if you choose to implement.
Book a Strategy SessionABN: 46 679 016 525 | AFSL: 561 658
How your income is structured matters
as much as how much you earn.
We look at where your money goes, how your contributions and savings are structured, and whether it's all working as hard as it could, then coordinate with your accountant where tax advice is needed.