Tax Effective Strategies and Structures
Delta Financial Group Pty Ltd
Financial, Finance, Financial Planner
Everyone’s situation is different and there are no one-size-fits-all solutions, especially when it comes to tax. At Delta Financial, we use powerful financial models to determine which strategy will create the best after-tax outcome for you and your family, taking into account risks of each strategic option.
Here are some of the ways we can help you manage your finances more tax effectively:
■Tax-effective strategies. We’ll help you explore a range of options, including pre-tax super contributions, geared investments in growth assets, and salary packaging.
■Personal insurance. The ownership of an insurance policy can have a significant impact on the after-tax cost of the premiums. We can help you identity the right ownership structure for each policy in your family and business insurance portfolio.
■Negative gearing into property. We have developed a range of advanced property strategies to help you invest more effectively, either working with your preferred property adviser or with our own property specialist.
■Small business ownership. The ownership structure of a small business can have a significant impact on your tax liability while your business is in operation and — just as importantly —when you ultimately sell your interest. We can work with your preferred taxation adviser or introduce you to a business taxation expert adviser to ensure that your business structure is the right one for you today and in the future.
■Transition to retirement. As you approach retirement, a transition to retirement strategy could help you to legitimately reduce tax and boost your super savings without impacting your current lifestyle.
■Wills and estate planning. The way you structure your Will can have a significant impact on the tax that your estate and beneficiaries need to pay. Using structures like jointly owned investments, discretionary trusts and testamentary trusts, we can help ensure you leave behind a valuable legacy, not a hefty tax bill.
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