Tax Minimisation
Keep More of What You Earn
Most high-income earners are paying more tax than they need to. Not because they’re doing anything wrong but because nobody has looked at the full picture and built a strategy around it. Track Wealth identifies every legitimate opportunity to reduce your tax and keep more of your income working for you.
Sound familiar?
I feel like I'm paying way too much tax and my accountant isn't being proactive enough about it.
I know there are strategies out there: debt recycling, salary sacrifice, trusts. I just don't know if they apply to me.
I earn well but after tax there's far less left than there should be and I don't know where to start.
A Tax Strategy That Keeps More of Your Money Working for You
There is a significant difference between paying the right amount of tax and paying more than you need to. For most high-income professionals and business owners, the gap between the two is larger than they realise and it’s almost always a structural problem, not an income problem.
Track Wealth builds tax strategies that look across your full financial position: income, investments, super, debt, and structures, to identify every legitimate opportunity to reduce what you pay on an after-tax basis. We then coordinate with your accountant to make sure the strategy is properly implemented and nothing is missed.
- Income structuring to reduce your effective tax rate
- Salary sacrifice and super contribution strategies
- Debt recycling to convert non-deductible debt into tax-deductible investment
- Investment structure review across personal, trust, SMSF and company
- Capital gains tax planning for property and share portfolios
- Coordination with your accountant on annual tax strategy
Tax Strategies That Cover Every Angle
Income Structuring
Salary Sacrifice and Super Contributions
Debt Recycling
Investment Structure Review
Capital Gains Tax Planning
Want to know what you're overpaying?
Let's find out.
How We Approach Tax Minimisation
Review Your Full Position
We start by understanding every income source, every asset, every structure. Most clients find there are opportunities that haven’t been identified or acted on.
Identify the Opportunities
We identify every legitimate strategy available to your situation: from restructuring income and maximising super contributions, to debt recycling and reviewing how investments are held.
Build a Coordinated Strategy
We develop a clear, documented tax strategy and share it with your accountant so everyone is working from the same plan. No conflicting advice, no missed opportunities, and no surprises at tax time.
Review as Things Change
Tax legislation changes. Your income changes. Your investments change. We review your tax strategy at least annually to make sure it stays current and continues to find every opportunity available.
Find Out What You're Overpaying and What to Do About It
Most clients are surprised by how much is available once someone looks at the full picture. The conversation costs nothing.
You're on a High Income and Your Tax Bill Feels Disproportionate to What You're Keeping
As income grows, so does the tax bill and without a proactive strategy, a larger and larger portion of every raise goes to the ATO rather than toward your goals.
High-income earners have access to a range of strategies that can meaningfully reduce what they pay. The problem is most people either don’t know what’s available or find out years after they should have been using them.
- Concessional contribution maximisation and catch-up strategies
- Salary sacrifice structures tailored to your income level
- Investment structure review to reduce personal tax exposure
- Long-term planning to manage tax as income grows
You're a Business Owner
A huge amount of business owners have all their wealth tied up in their business and potentially little wealth outside. You are wondering on how to grow wealth outside of your business, but want to know how this will impact your tax situation. We work in co-ordination with your tax advisor to work out what are the best structures you can utilise to grow and protect your wealth and minimise your tax where possible.
- Business income structuring and profit distribution strategy
- Trust distribution planning for family groups
- Super contributions from business income
- Asset ownership review across personal, company, and trust structures
You Have Investment Properties and You're Not Sure They're Structured Correctly
Investment property debt that isn’t structured properly costs you in tax deductions, limits your borrowing capacity, and can create complications when you eventually sell. Most property investors set up their loans without proper advice on the tax and structuring implications.
Track Wealth reviews how your property debt is held, identifies what can be improved, and coordinates with your accountant to make sure the structure is working as efficiently as possible.
- Property ownership structure review across personal, trust, and SMSF
- Debt recycling strategy for owner-occupier and investment loans
- Capital gains tax planning ahead of any future sale
- Depreciation maximisation and deduction review
You Have a Good Accountant But Nobody Is Building a Forward-Looking Strategy
A good accountant is invaluable. But their primary role is to report what happened, not to build a forward-looking strategy for what should happen. Track Wealth fills that gap. We look ahead, identify the opportunities before tax time arrives, and make sure your accountant has everything they need to execute the strategy correctly.
- Proactive tax strategy developed well ahead of each financial year
- Direct communication and coordination with your existing accountant
- Year-round review of changes that could affect your tax position
- Clear documentation so your accountant can implement with confidence
We Look at Tax as Part of Your Whole Financial Strategy, Not an Afterthought
Tax planning that sits in isolation rarely delivers the best outcome. The most effective strategies come from understanding how your income, investments, super, and structures all interact and making decisions that optimise the whole picture rather than one piece of it.
Track Wealth takes a coordinated approach. We work with your accountant, review your full financial position, and build tax strategies that support your broader goals, whether that’s building wealth, retiring earlier, or protecting what you’ve built.
Proactive, Not Reactive
We are always looking at ways to help improve your situation and adapt your strategy when your circumstances change, not just at tax time.
Coordinated With Your Accountant
We work directly alongside your accountant so advice is consistent, strategies are properly executed, and nothing is missed at the intersection of financial planning and tax.
Focused on the Full Picture
We don’t just look at income tax. We look at super, investments, structures, and estate planning because the best tax outcome usually requires decisions across all of them.
Honest About What's Available
We only recommend strategies that make sense for your situation. If a structure adds complexity without meaningful benefit, we’ll tell you.