Long-Term & Short-Term Tax Planning
Tax Planning Services Australia | Strategic Tax Advice for Individuals & Businesses
Strategic Tax Planning to Help You Keep More of What You Earn
Effective tax planning is about making informed financial decisions before the end of the financial year—not simply preparing your tax return. At Rick & Mon Business Consultants, we develop personalised tax planning strategies that help individuals, investors and business owners legally minimise tax, improve cash flow and support long-term financial success. Through proactive advice and regular reviews, we help you stay prepared, maximise available opportunities and avoid unnecessary tax liabilities.
Many people only think about tax when it’s time to lodge their return. By then, opportunities to reduce tax may already have been missed. Proactive tax planning allows you to structure your finances more effectively, prepare for significant financial decisions and legally minimise your tax obligations before the financial year ends.
Our Tax Planning Services
Personal Tax Planning
Strategies tailored to your income, deductions and changing financial circumstances
Business Tax Planning
Tax-effective strategies for business owners, companies, trusts and partnerships.
Investment Tax Planning
Advice for investment properties, shares and capital gains to improve after-tax returns.
Retirement & Superannuation Planning
Tax strategies that support retirement planning and long-term wealth creation.
Asset Purchase & Timing Strategies
Planning major purchases, investments and transactions to achieve better tax outcomes.
Ongoing Tax Reviews
Regular reviews throughout the year to ensure your strategy remains effective as circumstances change.
Book a Capital Gains Tax Consultation
Why Professional Capital Gains Tax Advice Matters
Capital Gains Tax legislation can be complex, particularly where multiple owners, inherited assets, property improvements, investment portfolios or business assets are involved. Small calculation errors or missed concessions can result in paying significantly more tax than necessary.
Seeking professional advice before selling an asset allows you to understand your potential tax position, explore available planning opportunities and make informed decisions with confidence. Our experienced accountants provide practical, personalised advice to help minimise unnecessary tax while ensuring complete compliance with Australian tax legislation.
Our experienced accountants will help you understand your obligations, identify available concessions and develop a tax-effective strategy that supports your long-term financial goals.
Plan Ahead. Pay Less Tax
The best tax outcomes are achieved through proactive planning, not last-minute decisions. Speak with our experienced accountants to develop a personalised tax strategy that supports your financial goals and helps you legally minimise your tax obligations.
What Assets Can Trigger Capital Gains Tax?
Capital Gains Tax may apply when selling or disposing of many different types of assets, including:
Investment properties
Shares and listed securities
Exchange Traded Funds (ETFs)
Business assets
Commercial property
Overseas investments
Cryptocurrency & Managed Funds
YOUR FINANCIAL JOURNEY
Our Tax Planning Process
01 Understand Your Financial Position
We review your income, investments, business structure and financial goals.
02 Identify Opportunities
We assess available tax-saving strategies that align with your circumstances.
03 Develop Your Strategy
We recommend tax-effective solutions designed to reduce tax and support your long-term objectives.
04 Review & Refine
Regular reviews ensure your strategy continues to meet your changing financial needs and evolving tax legislation.
Avoid Common Tax Return Mistakes
Even small errors or missed deductions can affect your tax refund and increase the risk of unnecessary ATO enquiries. Our experienced accountants help ensure your tax return is accurate, compliant and prepared with attention to detail, so you can lodge with confidence and maximise every legitimate tax benefit available.
CPA & Registered Tax Agents
Local team, local insight
Fixed Fee Pricing
Transparent, no surprises
Wealth and tax strategy
We think ahead for you
Year-Round Support
Always easy to talk to
Why Choose Rick & Mon Business Consultants
Expert Individual Tax Return Services for Every Stage of Life
Tax planning should be an ongoing strategy, not a once-a-year exercise. Our team takes the time to understand your complete financial picture and develops practical tax strategies tailored to your personal and business goals. By combining taxation expertise with broader financial insight, we help you make confident decisions that support long-term financial success.
Personalised Tax Strategies
Proactive Year-Round Advice
Tax-Efficient Wealth Planning
Investment & Business Expertise
Long-Term Financial Focus
Our Services
Melbourne Business Accountants & Advisors
We partner with Builders, Developers, Medical Practices, NDIS Providers, Franchise Businesses and SMEs across Melbourne.
Frequently Asked Questions
Tax planning is most effective when undertaken throughout the financial year rather than just before lodging your tax return. Regular reviews allow opportunities to be identified early, helping you minimise tax legally and make informed financial decisions before important deadlines.
Tax planning benefits individuals, business owners, property investors, sole traders, companies and anyone looking to improve cash flow, reduce tax liabilities and make more informed financial decisions.
No. While year-end planning is important, effective tax planning is an ongoing process. Regular reviews help ensure your tax strategy adapts to changes in income, investments, legislation and personal circumstances.
No. Tax planning involves using legitimate strategies permitted under Australian tax law to reduce tax obligations. It focuses on compliance, informed financial decision-making and making the most of available deductions, concessions and tax-effective opportunities.
Tax planning isn’t a once-a-year exercise. Your strategy should be reviewed whenever your income, investments, business structure or financial goals change, and ideally before the end of each financial year to identify opportunities and avoid unnecessary tax liabilities.
Professional tax advice is recommended before purchasing or selling property, starting a business, restructuring investments, making large asset purchases, selling shares, establishing a trust or company, contributing to superannuation or planning for retirement, as these decisions can have significant tax implications.
Avoid Common Tax Planning Mistakes
Waiting until tax time often means valuable planning opportunities have already passed. Common mistakes include delaying financial decisions until year-end, overlooking available concessions, failing to review changing circumstances and making major investments without considering the tax implications. Early planning helps you make informed decisions while legally minimising your overall tax position.