Tax Planning

Build Wealth While Effectively Managing Your Tax Obligations with Tax Planning Services from Delta Financial Group | Book A Free Consultation | Open Monday to Friday 8am to 5:30pm | Visit Us At Delta Financial Group Level 11, 22 Market Street Sydney 2000 | Contact us at enquiries@deltafinancial.com.au or 02 9327 4338

Tax planning is a critical aspect of financial management that holds particular significance for individuals and businesses across Australia. In a country known for its diverse economic landscape and intricate tax laws, understanding tax planning and collaborating with a trusted tax planner are essential steps toward optimising your financial future. Delta Financial Group, your local financial advisory partner, is here to guide you through the enormously complex Australian tax system to deliver the optimal outcome. We will help you identify the most tax effective strategies and structures for your situation, minimising your tax burden and helping you build wealth faster.

While legislative changes are occurring at an ever-increasing pace, effective tax planning demands the most up-to-date resources and expert guidance. Your advisor at Delta Financial Group is backed by a select panel of specialists proficient in areas including shares, property, insurance and estate planning. This comprehensive expertise provides holistic guidance covering your broad tax situation. We foster close collaboration with your other professional advisors, particularly your accountant, to ensure that you achieve the most favourable after-tax outcomes.

We believe it’s essential to maintain your focus on wealth creation within your desired investment timeline. While tax optimisation is crucial, it should not overshadow other essential priorities. Our approach is designed to strike a balance that allows you to continue building wealth while effectively managing your tax obligations, providing you with a well-rounded financial strategy that aligns with your broader financial goals.

What is tax planning?

Tax planning is the process of structuring your financial affairs to maximise your tax efficiency while complying with Australian tax laws. It involves making informed decisions throughout the fiscal year to legally minimise your tax liability, ensuring that you fulfil your tax obligations without overpaying. Tax planning focuses on harnessing available tax incentives, deductions, credits, and exemptions to optimise your financial position while remaining compliant with local tax regulations.

Delta Financial Group collaborates closely with individuals and businesses across Australia to assess their financial situations, set clear financial objectives, and develop personalised tax strategies. Our approach to tax planning encompasses a wide range of financial aspects including cash-flow management, investment strategies, retirement planning, wills and estate planning, personal insurance, negative gearing into property, small business ownership, transition to retirement and more. By taking proactive steps to address your tax responsibilities and opportunities, you can make informed financial decisions that lead to tax savings and a more secure financial future.

Why is tax planning useful?

Tax planning is incredibly useful for several reasons. First and foremost, it allows you to keep more of your money in your pocket. By minimising your tax liability, you can retain a greater portion of your income and assets, which can be reinvested, saved, or used to achieve your financial goals. Tax planning also provides financial stability and peace of mind, as you can better predict and manage your tax obligations, avoiding unexpected financial setbacks.

Furthermore, tax planning encourages financial discipline and responsible financial management. When you have a tax plan in place, you are more likely to make informed financial decisions that align with your long-term goals. It also promotes transparency and compliance with tax laws, reducing the risk of audits, penalties, and legal issues.

At Delta Financial Group, our tax planners help you navigate the complex tax landscape, stay compliant with changing tax regulations, and take advantage of opportunities to minimise your tax exposure. By working with us, you can unlock the full potential of your financial resources and secure a brighter financial outlook.

Who can benefit from tax planning?

Tax planning is not limited to a specific demographic; rather, it is a valuable financial tool for a wide range of individuals and entities. Here are some key groups that can benefit from tax planning:

Individuals and families

We assist individuals in optimising their income tax liabilities, ensuring that they make the most of available deductions and credits. Families entrust us with the task of planning for their financial future, ensuring that their loved ones are well provided for. Homeowners benefit from our expertise in leveraging mortgage interest deductions to their advantage. Retirees turn to us for guidance on tax-efficient retirement withdrawals, securing their financial well-being in their golden years. Additionally, investors rely on our strategies to minimise capital gains tax on their investments, enhancing their overall financial portfolios. We’ll help you explore a range of options, including pre-tax super contributions, geared investments in growth assets, and salary packaging.

Business owners

Our tax planning services are tailored to meet the unique needs of business owners and entrepreneurs at various stages of their entrepreneurial journey.

Small business owners benefit from strategies that help reduce their tax burden while allowing them to reinvest in the growth and development of their companies, and just as importantly, when you ultimately sell your interest. We provide guidance to entrepreneurs seeking tax-efficient business structures, ensuring that their businesses are structured in a way that optimises tax advantages. Corporations find value in our expertise, as we assist them in maximising deductions and credits, helping them improve their bottom line. For start-ups in their growth phases, our tax planning guidance is invaluable, ensuring they navigate this critical period with tax efficiency in mind. Professionals in partnerships trust us to manage their tax responsibilities effectively, enabling them to focus on their core business activities. 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.


Our tax planning strategies extend to investors across a broad spectrum of financial endeavours. Stock market investors seek our expertise to optimise their capital gains taxes, allowing them to make the most of their investment gains while minimising their tax liabilities. Real estate investors benefit from our guidance on negative gearing and capital gains tax, as 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. High-net-worth individuals turn to us for estate tax planning, safeguarding their wealth for future generations through strategic wealth transfer. We assist international investors in navigating the complexities of cross-border investments, ensuring compliance with tax regulations in multiple jurisdictions. Additionally, passive investors looking to accumulate long-term wealth appreciate our expertise in utilising tax-advantaged accounts to achieve their financial goals.

Retirement Planners

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.

What are key tax planning strategies?

Tax planning involves a wide range of strategies and approaches tailored to your unique financial situation and objectives. Here are some common tax planning strategies:

  • Income tax planning
  • Investment tax planning
  • Retirement tax Planning
  • Estate tax planning
  • Business tax planning
  • International tax planning

At Delta Financial Group, our team of experienced tax planners collaborates with you and your team of advisors to identify the most suitable tax planning strategies for your unique financial circumstances. We take a proactive approach, staying abreast of tax law changes and adapting your tax plan accordingly to ensure you benefit from the latest tax-saving opportunities.

Tax planning is not merely a financial strategy; it’s a pathway to financial empowerment and security. Delta Financial Group is your trusted partner in navigating the intricate world of tax planning, ensuring that you make informed decisions to optimise your tax efficiency. Whether you’re an individual, a business owner, or an investor, our dedicated tax planners are here to guide you toward a brighter financial future. By working together, we can unlock the full potential of your financial resources and set you on a path to financial success. Start your tax planning journey with Delta Financial Group today and experience the benefits of strategic financial management.


How can I minimise taxes on my investment gains through tax planning?

Utilise tax-efficient investment vehicles, like tax-deferred accounts or long-term capital gains, offset gains with losses, and consider tax harvesting strategies.

What deductions or credits are often overlooked in tax planning?

Often overlooked deductions or credits include charitable donations, educational expenses, home office deductions for self-employed individuals, and medical expenses.

How does tax planning differ for individuals versus businesses?

Individuals focus on optimising personal income tax, while businesses consider deductions, credits, depreciation, and different entity structures to minimise tax liabilities.

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