Guide · 12 July 2026
Tax planning works best while there’s still time to act. Here’s when a conversation genuinely pays off — and what to bring.
Before the year ends — not after. Once 30 June has passed, most of the choices that shape your tax bill have closed. A planning conversation in autumn leaves enough time to actually do something: adjust super contributions, time a sale, tidy the records that matter.
The sweet spot is February to May: income, deductions and super contributions can still be adjusted while the options are open.
New job, pay rise, redundancy, retirement or an unusually good (or lean) year — each changes what’s worth doing before 30 June.
Sole trader, company or trust? Structure is far easier to get right before you begin than to unwind later.
Property, shares or crypto: the timing of a sale can change the capital-gains outcome. Talk before you sign, not after.
Marriage, separation, a new baby, an inheritance, a move overseas — big life events usually have tax consequences worth mapping early.
A mid-year check keeps BAS, super and PAYG instalments on track; a pre-June session catches what the year-end can still fix.
Ten minutes of preparation makes a thirty-minute conversation twice as useful.
Book a planning conversation while the options are still open.