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Obsidian Wealth Management

How we help

Tax Minimisation & Structuring

Consider the tax implications of your financial choices. We work with your accountant where needed to assess how investments, super and ownership arrangements fit your circumstances.

Book a call

Free 15-minute call. Choose a time below.

Decisions we help you make

  • Should new investments be held in my name, my partner’s, a trust or super?
  • Is it worth making extra super contributions this year?
  • What are the tax consequences of selling an investment or property?
  • How should I use a bonus, inheritance or sale proceeds?
  • Does my current ownership structure still suit my circumstances?

How we help

What the advice covers

Most financial decisions have tax consequences. We consider them as part of the advice, so you can see the after-tax effect of each option before deciding.

  • Investment ownership. How holding assets personally, jointly, in a trust or in super could affect your position.
  • Super contributions. How concessional and non-concessional contributions fit your circumstances and the caps.
  • Capital gains. The timing and tax effect of selling investments or property.
  • Lump sums. Options for bonuses, inheritances and sale proceeds.
  • Existing structures. Whether trusts or companies you already have still suit your plan.

How it fits your wider plan

Tax is one factor among several. We weigh it against your cash flow, risk, access needs and estate plans, so a decision is not made for tax reasons alone. Your accountant remains responsible for tax advice, returns and compliance, and we work with them where decisions affect both areas. Where legal structures are involved, we involve your lawyer.

Who it suits

  • Professionals and executives on higher incomes deciding where to invest surplus
  • Business owners coordinating personal and business arrangements with their accountant
  • Families considering how investments are held between partners or in a trust

What working together involves

Tav leads the research, strategy and advice. Our client service, administration and implementation team supports the work.

  1. Step 1: Introductory call

    Tell us what has prompted you to seek advice. We’ll discuss whether Obsidian can help and explain the next step.

  2. Step 2: Discovery

    We explore your goals and financial position in detail. Together, we establish the questions your advice needs to answer and agree the scope and fees before proceeding.

  3. Step 3: Strategy development

    Tav researches your options and develops the strategy. We consider the costs, risks and trade-offs, then document the recommendations for you.

  4. Step 4: Advice presentation

    We explain the recommendations, work through your questions and refine the plan where needed. You decide which actions to authorise.

  5. Step 5: Implementation and review

    Our team coordinates the approved changes and keeps you updated. If you choose ongoing advice, scheduled reviews help keep the plan relevant as your circumstances change.

Read about our approach

Common questions about tax minimisation & structuring

Are you a tax agent or accountant?

No. We do not prepare tax returns or provide tax advice. We consider the tax implications of financial advice and work with your accountant on matters that need their input.

Do you set up trusts or companies?

No. We consider how ownership structures fit your financial plan. Your accountant and lawyer advise on and establish any structure.

Can you work with my existing accountant?

Yes. With your permission, we share information and coordinate with your accountant so the financial strategy and tax arrangements are consistent.

Book a free 15-minute call

Choose a time that suits you. We’ll discuss your situation, whether we can help and what working together would involve.

Scope and fees are agreed before any advice work proceeds. Our Financial Services Guide explains our services and how we’re paid.

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