Tax Advisor Melbourne

Proactive tax planning that puts more back in your pocket

For professionals, investors and small business owners across Melbourne.

If your tax obligations seem uncertain or you suspect missed opportunities, Angel Advisory develops a clear, compliant, and proactive plan to help you retain more of your earnings.

Trusted & Award-Winning Melbourne Tax Advisors

  • 2024 Practice of the Year – Wealth Adviser Congress
  • 2024 Finalist – ESG Adviser of the Year – IFA Excellence Awards
  • Top 5 Wealth Advisory Practice – Robb Report PFI Awards
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Why tax planning with Angel Advisory?

Strategic, not last-minute. Your tax plan evolves year-round, not rushed at the end of June.

Personalised to you. Your career, family, investments and business structure drive your strategy.

Comprehensive planning that links tax, super, investments, and your personal goals

We collaborate with your accountant for efficient strategy and execution—no duplication.

Who we help

  • Professionals & executives: (salary, bonuses, employee share schemes – ESS/RSUs)
  • Property & share investors: (CGT planning, franking credits, negative gearing)
  • Families & trusts: (income distribution strategies, education planning)
  • Contractors & small business owners: (companies, trusts, sole traders including support for PSI rules)
  • SMSF members: (contribution timing, pension phase optimisation)

Common problems we fix

“My tax bill keeps surprising me.”

Solution → Year-round forecasting and pre-30 June check-ins.

“I’m not sure I’m using the right structure.”

Solution → Company/trust/SMSF structure recommendations.

“I have investments but no plan for CGT.”

Solution → Capital gains timing & carry-forward losses planning.

“I run a business and juggle BAS, PAYG and drawings.”

Solution → Small-business tax planning and cash-flow aware strategies.

“I think I’m missing deductions or super opportunities.”

Solution → Targeted deductions and super contribution roadmaps (where eligible).

“I feel like I’m paying more tax than I should.”

Solution → Smarter structuring and timing to minimise unnecessary tax.

Based in Melbourne and serving clients across South Melbourne, Brighton, Prahran, South Yarra, Windsor, Williamstown, Yarraville, St Kilda, Caulfield, Albert Park, Port Melbourne and surrounding suburbs.

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How our tax planning works

  1. Assess
    We review your recent personal, company and trust returns, payslips, BAS, investment portfolio, super and insurance. We listen first: goals, family situation, risk tolerance and timelines.
  2. Plan
    You receive a clear Tax Strategy Pack with:
    • Year-ahead tax forecast and “what-if” scenarios
    • Structure recommendations (company/trust/SMSF) where suitable
    • CGT and income-timing guidance
    • Super contribution plan (concessional/non-concessional, carry-forward where applicable)
    • Deduction checklist tailored to your situation
    • A pre-30 June action list and an annual tax calendar
  3. Implement & Maintain
    We coordinate with your accountant to implement, then monitor salary, investment and business income across the year. You’ll get proactive nudges before deadlines, not after.

Small business tax advisor Melbourne

Running a business in Melbourne means balancing growth with compliance. We help owners of companies, trusts, sole traders and contractors with:

Structure reviews for growth & protection

Director pay planning (salary, dividends & super)

Trust distributions aligned to your goals

Making plans for surplus cash

Insurance to ensure business continuity

Business succession & exit planning

Strategies we commonly consider (designed to eligibility)

  • Capital gains timing (including use of losses and use of Small Business Tax Concessions (when selling a business)
  • Salary packaging & deductions aligned to your employment/industry
  • Investment tax efficiency (e.g., franking credits, investment bonds considerations)
  • Trust distribution frameworks, documentation and bucket company
  • Superannuation contributions (carry-forward concessional, spouse contributions, bring-forward non-concessional, TTR/pension considerations)
  • Insurance premiums & ownership (inside/outside super)
  • Negative gearing and interest-deductibility settings

Every recommendation is personal to your circumstances and made to be practical, compliant and easy to action.

What you’ll receive:

  • A 12-month tax plan with clear, actionable steps
  • Mid-year and pre-June progress reviews
  • Seamless coordination with your accountant
  • Transparent, agreed-upfront fees
Plan My Tax Strategy

Toan Nguyen

Financial Advisor

Mini case examples

Professional with employee share schemes (ESS/RSUs)

We map vesting events, time disposals and optimise contributions, reducing surprises and smoothing cash flow.

​Families and Trusts

Trusts require clear distribution strategies to incorporate effective tax planning. We get strategic about this and often establish a bucket company to cap the families tax rate on earnings.

Just sold my business

Using the Small Business Tax Concessions is a great way to reduce taxes in a sale. Sometimes, if the money isn’t needed, you get a full tax deduction for allocating money to your own charity.

​​​Results vary by situation; these examples show the style of planning we deliver.

Meet Your Melbourne Tax Advisors

  • Decades of experience with business owners, investors, SMSFs & Salary Earners
  • Real Melbourne locals. Approachable, personal and values-driven

Your wealth. Your priorities. Our expertise.

Learn More About Us

Frequently asked questions

A tax agent focuses on preparing and lodging returns.
A tax (financial) advisor proactively plans ahead, forecasting your tax position, structuring investments/business income, and ensuring decisions are tax-efficient before year-end.
We work alongside your accountant so you get both compliance and strategy.

Yes! Most accountants become involved after events happen. We help before decisions are made (investments, salary packaging, selling assets, business structure choices), reducing tax surprises and improving outcomes.

Absolutely. Bonuses, employee share schemes (ESS), super contributions and deductions all benefit from strategic planning especially for Melbourne professionals in higher income brackets.

We review your income sources and business structure to identify tax-saving opportunities. Our team ensures your records, deductions, and super contributions are optimised so you can plan confidently and meet your obligations without surprises.

Yes. We can help ensure super is used as a tax-effective tool, including contribution catch-ups (where eligible), spouse contributions and planning as you approach retirement, all tailored to your strategy.

Yes! Capital gains tax (CGT) timing can make a big difference. We review your broader position and identify strategies that may help reduce tax in the year of sale.

We specialise in supporting local professionals and business owners across Melbourne (from South Melbourne to Bayside and the Inner South) but we can work with eligible clients anywhere in Australia.

Once we understand your situation, we provide a transparent, fixed-fee proposal upfront. No surprises! You’ll always know the cost before you proceed.

Yes! No generic tax tips. Every recommendation is based on your goals, family structure, income, investments and business interests, and all aligned with current ATO rules.

We don’t lodge returns ourselves, your accountant does. Our role is to design the strategy and ensure it’s implemented correctly and efficiently.

Connected services

Investments

Make your portfolio tax-aware, not tax-driven.

Superannuation & SMSF

Contributions and pension strategies.

Estate Planning

Structure today to simplify tomorrow.

Ready to reduce tax legally and strategically?

Speak with a Melbourne tax advisor who plans ahead, aligns every moving part and keeps you in control all year.

* General information only. We provide tax (financial) advice tailored to your circumstances and coordinate with your accountant on implementation.