FINANCIAL ADVICE · BRISBANE
Tax-aware financial planning in Brisbane
Tax can influence a financial decision, but so can cost, risk and when you need access to your money. We help you consider those factors together, working with your accountant on the tax matters relevant to your plan.
Book a complimentary 30 minute meetingA first conversation about your questions. We’ll agree the scope and fees before preparing personal advice.
PLAN AHEAD FOR YOUR NEXT DECISION
Which financial decision is coming up?
An early conversation can help identify the information and specialist advice needed before you act.
Your income has changed
A pay rise, bonus or change in business income may prompt a review of cash flow, contributions and longer-term priorities.
You are selling an asset
Selling investments, property or a business may affect tax, access to money and what you do with the proceeds.
Retirement is getting closer
Contributions, income sources and ownership arrangements may need to be considered together as your plans change.
TAX IN THE CONTEXT OF YOUR PLAN
Consider the implications alongside the goals.
The areas we discuss depend on your circumstances and the agreed scope of advice.
Superannuation contributions
Consider contribution types, available caps and eligibility alongside your income, existing balance and cash needs. A contribution strategy is not automatically suitable because it may have tax benefits.
Investments and asset sales
Consider the financial implications of holding or selling assets, including potential capital gains tax. Your accountant can assess the specific tax treatment and any available concessions.
Business and personal finances
Connect personal wealth goals with business cash needs and income arrangements. Work with your accountant and solicitor on entity, distribution and ownership questions.
Retirement and wealth transfer
Consider how super, investment income and proposed wealth transfers fit together, with tax and legal input where the decision requires it.
WEIGH THE FULL DECISION
Tax is one part of the picture.
A strategy that changes a tax outcome can also affect investment risk, fees, access to money and administrative responsibilities. Potential tax benefits depend on eligibility, the applicable rules and your circumstances.
We consider tax implications within financial advice and coordinate with your accountant where appropriate. We do not prepare tax returns or provide legal advice. Specific accounting, tax-compliance and legal work belongs with the relevant professional.
HOW ADVICE WORKS
A clear process, with room for your questions.
We start with the decision you are facing and your wider goals. With your permission, we work with your accountant and other professionals where needed. We explain the scope and fees for our advice before you decide whether to proceed.
Understand the decision and your financial position
Identify the tax and specialist input needed
Agree the advice scope, fees and next steps
COMMON QUESTIONS
Questions about tax-aware planning.
The aim is a considered financial decision with the relevant tax work clearly allocated.
How do you work with my accountant?
We consider the financial strategy, including goals, cash flow, super and investments. Your accountant provides the accounting and tax input within their scope. With your permission, we coordinate so each professional can consider the relevant information.
Do you prepare tax returns?
No. Tax returns and tax-compliance work should be handled by your accountant or registered tax agent. Our role is to consider tax implications as part of the financial advice we are authorised to provide.
When should I ask about a planned asset sale?
Before committing to the transaction is a useful time to discuss the wider financial plan and obtain tax and legal advice. The type of asset, ownership and relevant dates can affect the options available.
Will a strategy definitely reduce my tax?
No. The outcome depends on your circumstances and the applicable rules. We weigh any potential tax effect alongside costs, risk, access to money and your objectives rather than assuming a particular saving.
CONNECT THE WIDER PICTURE
Connect tax considerations with the wider decisions.
Explore related advice, or browse our Education library for more articles.
Investment advice and structure
Explore investment choices and ownership arrangements in context.
Explore this topic → 02Superannuation and SMSF
Consider contributions, fund choices and retirement needs together.
Explore this topic →TAKE THE FIRST STEP
Let’s talk through the decision ahead.
If your finances have become more complex, begin with a conversation about your goals and the questions to work through.
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Lobby 1, Level 2, 76 Skyring Terrace
Newstead QLD 4006
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Willow Wealth Partners Pty Ltd (ABN 57 666 182 556) is a Corporate Authorised Representative of Cobalt Advisers Pty Ltd (ABN 64 628 654 099), Australian Financial Services Licence 512550.
Important Information
Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.
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