Contact
Contact
Contact

Tax Planning

Get in touch
08 8211 9426

Smart Tax Strategies

Paying tax is unavoidable, overpaying isn’t.

Our tax planning services help you keep more of your hard-earned money by using smart, compliant strategies. Discover how TTO Financial Solutions turns complex rules into clear savings so you feel in control long before lodgement time.

Why Choose TTO for your tax planning?

Tailored Strategies

We customise every plan to your income sources, family situation, and life goals. Everyone’s situation is different, so you won’t find any one-size-fits-all checklists here. TTO Financial Solutions works to bring tailored strategies to each client.

Holistic, Year-Round Focus

Our advice covers salary, investments, super, property, and small business income, giving you a 360° view of opportunities. We’re also able to provide support all throughout the financial year, not just around tax time.

Friendly, Plain-Language Support

You’ll deal with a dedicated advisor who explains each step in simple language and stays reachable when questions pop up. We’re not here to overwhelm you with all of the same jargon and noise you’ve had to sift through in the past.

Tax Planning for Adelaide Individuals

Most people see their accountant once a year after the financial year ends when only damage control is possible. Proper tax planning services work in advance, adjusting contributions, timing asset sales, and claiming deductions the moment they arise. Whether you’re a contractor juggling invoicing, an investor with rental properties, or a family receiving a recent inheritance, our team pinpoints strategies that fit your circumstances.

We offer income splitting and offsets where we explore spouse contributions, family trusts, and zone rebates to shift income into lower brackets. Selling shares? We’ll plan around the 12-month discount and align gains with carried-forward losses. We’re also here to advise on superannuation boosts including salary-sacrifice or after-tax top-ups which can shrink this year’s liability while growing retirement savings.

When it comes to property and negative gearing, we help maximise interest deductions, depreciation, and pre-payment tactics for landlords. And if you’re a small business, we make sure instant-asset write-offs, small-business CGT concessions, and PAYG variations keep cash flow healthy. With TTO, instead of dreading tax time, you’ll see it as another opportunity.

Get in touch
08 8211 9426

Our Simple Tax Planning Process

1

Initial Consultation & Assessment

It all starts with getting a clear picture of your individual situation. We review payslips, property schedules, investment statements, and future plans to spot quick wins like overlooked deductions or unused contribution caps.
2

Strategy Development & Implementation

Next, we build a calendar of actions including salary-sacrifice amounts, asset sale dates, and trust distributions. We’ll then do the heavy lifting and handle paperwork or ATO forms so everything runs smoothly and stress-free.
3

Ongoing Support & Optimisation

Quarterly check-ins compare actual income to forecasts, refine tactics for law changes, and make sure your plan evolves with new jobs, babies, or windfalls. Don’t worry, we won’t leave you vulnerable to reviews and audits, facing tax obligations on your own.

Curious about tax planning?

Frequently Asked Questions

Life events such as job promotions, property purchases, and share-market swings alter tax projections quickly. Our ongoing service means we adjust strategies the moment changes happen: increasing salary-sacrifice after a raise, offsetting gains with new losses, or revising PAYG instalments to improve cash flow. Timely tweaks prevent unexpected tax bills and keep your financial goals on track. We stay in touch via quarterly calls and cloud dashboards, so advice evolves with you, not just during annual catch-ups.

DIY research can highlight general tips, but applying them incorrectly risks ATO penalties or missed savings. Our licensed advisors interpret current legislation, rulings, and case law, tailoring them to your exact situation. We also forecast your liability using real numbers including salary, dividends, and rental income rather than averages, giving you precise action steps. Regular professional reviews catch legislative changes early, ensuring strategies stay compliant and effective. In short, we replace guesswork with reliable, personalised guidance and peace of mind.

Not at all. Many of our clients are investors, freelancers, or small-business owners with complex income streams. We tailor advice to rental properties, share portfolios, crypto transactions, and even hobby-to-business transitions. For ABN holders, we align GST, PAYG, and asset-write-off strategies, while investors benefit from capital-gains timing and interest-deductibility reviews. Whatever your mix of income, we integrate every element into one cohesive plan, ensuring each dollar is positioned for the best legal tax outcome.

Ideally, tax planning starts on 1 July, the first day of the income year, so you can spread strategies (like salary sacrifice or quarterly PAYG instalments) evenly and maximise compounding benefits. However, we can still uncover useful actions right up to late June, such as pre-paying deductible expenses, topping up super, or deferring income into the next year. Earlier engagement simply offers more options and smoother cash-flow management, letting you avoid last-minute scrambles and make decisions calmly instead of rushing paperwork.

5/5

Very appreciative of their hard work and highly recommend working with them for your mortgage needs.

I had the pleasure of working with Guido to purchase my first home. He was very knowledgeable about whether to buy existing or build a new property. Guido was understanding and considerate, making the whole process comfortable. He and Sharon worked together to secure a mortgage for me and made the whole process smooth and seamless. Their communication was excellent and I felt like I could trust them with managing to secure my loan. 

Hayley Combe

If you’re looking for a reliable and professional broker, we highly recommend Jim Elliott and the team at TTO Financial Solutions!

We had an outstanding experience with TTO Financial Solutions and we can’t thank Jim Elliott enough for his help throughout our house build. From start to finish, he was extremely knowledgeable, responsive, and always had our best interests in mind. He made the financing process smooth and stress-free, answering all our questions and ensuring we got the best options available.
Winnie Hoare

We couldn't be happier with our experience with TTO.

As first-time homebuyers, we had many questions and doubts, but Trudi walked us through everything, supporting us all the way through to settlement and easing our nerves. We cannot thank her enough! We also briefly dealt with Jim, who was always helpful and took the time to explain things in detail. In a process like this, it’s crucial to feel that the people assisting you are on your side and willing to clarify things, big or small—and that’s exactly what we got. Thank you once again!

Joanna

Latest articles

Let's talk

Get in touch today

We are always interested in a coffee and a chat, so get in touch or drop by our Sturt Street office.
Schedule Consulation