Pay the tax you owe, not a dollar more

Deryan Financial Group plans your tax position legally and ahead of time, so the decisions that shape your tax are made before the event, not after

Is this right for you?

The moments when planning changes the outcome

You're buying shares, property or other assets

Who owns it changes the tax for years, so decide it first

You're selling a business or asset

Plan the capital gains before you sign, not after

Your structure no longer fits

Company, trust and ownership reviewed as your tax position changes

A high-income year is coming

Time income, super and deductions before 30 June

You're planning an exit or retirement

Succession, sale or wind-down, mapped years ahead

How It Works

A clear, lawful plan built around the year ahead

We map your position

Your income, your assets, and the decisions coming up

We find the legitimate levers

Deductions, timing, structure and super, within the rules

We plan before the event

The tax is shaped before you sign, sell or pass 30 June

We put it in place and review

Implemented properly, then revisited as things change

Frequently Asked Questions

Is tax minimisation actually legal?

Yes, when it is done properly. The ATO draws a clear line. Arranging your affairs lawfully to pay the least tax required by law is legitimate. Artificial arrangements whose main purpose is the tax benefit are not, and the ATO can cancel those under Part IVA. Everything we do sits on the lawful side of that line.

I've just moved into a higher tax bracket. What can I do?

A few things, and the time to act is before 30 June, not after. Depending on your situation, that can mean bringing forward deductible costs, timing when income lands, or making extra concessional super contributions while you are in the higher bracket. The right move depends on your numbers, so we plan it rather than guess.

Should I set up a company or trust to pay less tax?

Sometimes, but not as often as people hope. A structure changes your tax, your admin, your costs and your reporting all at once. The ATO also expects a structure to have a genuine commercial purpose, not just a tax one. We look at whether the change earns its keep before we recommend it.

I'm selling an asset. Can I reduce the capital gains tax?

Often, but only if we plan before you sign. Once the sale is done, the options largely close. Before then, the timing of the sale, the financial year it falls in, and any concessions you qualify for can all change the outcome. That is exactly the kind of decision worth a conversation early.

Is it actually worth spending money to get a tax deduction?

Often not. Spending a dollar to save thirty cents in tax leaves you worse off, not better. Good planning is about keeping what you would otherwise overpay, not chasing deductions for their own sake. We will tell you when a deduction is worth it, and when you are better off keeping the cash.

PLAN YOUR TAX, DON'T JUST REPORT IT

The biggest tax decisions are made before the year closes, not after. Let us help you make them in time.