--- title: Business Tax Planning Melbourne | CPA Tax Planning description: Fixed-fee tax planning for Melbourne businesses. Forecast your position before 30 June, manage Div 7A, CGT and PAYG, and act on quantified strategies. image: https://42advisory.com.au/hubfs/Images/WebP/business-accounting-services-team-melbourne-42-advisory.webp --- [Skip to Content](https://42advisory.com.au/services/tax-planning-melbourne#body) [![42\_Advisory\_Logo\_Header](https://42advisory.com.au/hubfs/42_Logo_Header.svg "42_Advisory_Logo_Header")](https://42advisory.com.au/) Toggle Menu - Accounting & Tax Toggle children for Accounting & Tax - [Small Business Accountants](https://42advisory.com.au/services/small-business-accountant-melbourne) - [Personal Tax Returns & Advice](https://42advisory.com.au/services/personal-tax-accountant-melbourne) - [BAS & IAS Lodgement](https://42advisory.com.au/services/bas-ias-accountant-services-melbourne) - [Tax Compliance](https://42advisory.com.au/services/small-business-tax-compliance-melbourne) - [SMSF Accountants](https://42advisory.com.au/services/smsf-accountant-melbourne) - [Property Tax](https://42advisory.com.au/services/property-tax-accounting-melbourne) - [Bookkeeping](https://42advisory.com.au/services/small-business-bookkeeping-melbourne) - [CPA Accountants & Business Advisors](https://42advisory.com.au/services/cpa-accountant-melbourne) - [Local Accountants](https://42advisory.com.au/accountants) - Business Advisory Toggle children for Business Advisory - [Business Advisory & 3-Way Forecasting](https://42advisory.com.au/services/business-advisory-forecasting) - [Tax Planning](https://42advisory.com.au/services/tax-planning-melbourne) - [R&D Tax Incentive Services](https://42advisory.com.au/services/r-and-d-tax-incentive) - [Business Valuation](https://42advisory.com.au/services/business-valuations) - [Buying a Business](https://42advisory.com.au/services/buying-a-business-due-diligence-melbourne) - [Finance Broking Overview](https://42advisory.com.au/finance/) - [Residential Finance](https://42advisory.com.au/finance/residential-finance-services-melbourne) - [Commercial Finance](https://42advisory.com.au/finance/commercial-finance-services) - [Asset Finance](https://42advisory.com.au/finance/asset-finance-solutions) - Industries Toggle children for Industries - [Accounting for Doctors](https://42advisory.com.au/industries/accounting-advisory-for-doctors-dentists-health-practices) - [E-Commerce & Online Retail](https://42advisory.com.au/industries/ecommerce-accountants-melbourne) - [Tech, SaaS & IT](https://42advisory.com.au/industries/tech-saas-accounting) - [MMA, BJJ & Muay Thai Gyms](https://42advisory.com.au/industries/martial-arts-combat-sports-gym-accountants-melbourne-42-advisory) - [Cafés, Restaurants & Retail Stores](https://42advisory.com.au/industries/cafés-restaurants-retail-stores) - [Crypto Tax for Investors & Traders](https://42advisory.com.au/industries/crypto-tax-accounting-for-investors-traders) - [Builders, Contractors & Trades](https://42advisory.com.au/industries/builders-tradies-accountants-melbourne) - [Startup Accounting & Advisory](https://42advisory.com.au/industries/startup-accounting-advisory-services-melbourne) - [Professional Services Firms](https://42advisory.com.au/industries/professional-services) - [Automotive & Mechanical Services](https://42advisory.com.au/industries/automotive-accountants-melbourne) - [About Us](https://42advisory.com.au/about) - [Contact Us](https://42advisory.com.au/contact-us) - [Resources](https://42advisory.com.au/42-advisory-blog) - [(03) 9997 7081](tel:0399977081) ![42 Advisory accountants collaborating with Melbourne business clients on financial strategy and reporting](https://42advisory.com.au/hs-fs/hubfs/Images/WebP/business-accounting-services-team-melbourne-42-advisory.webp?width=920&height=613&name=business-accounting-services-team-melbourne-42-advisory.webp) Strategic Tax Advice for Melbourne Businesses & Professionals # Business Tax Planning in Melbourne from a CPA Tax Planning Accountant Proactive, fixed-fee tax planning from a CPA practice and registered tax agent in Chadstone. We forecast your position before 30 June, quantify the strategies worth acting on, and keep your structure aligned with where your business is heading — not just where it has been. [Book a Tax Planning Consultation](https://42advisory.com.au/contact-us) Accredited. Connected. Trusted. ## Tax Planning from a CPA Practice and Registered Tax Agent 42 Advisory is a CPA Australia member firm and TPB-registered tax agent (RAN 26303651). We plan tax for Melbourne's medical professionals, e-commerce brands, property investors and local service businesses. - ![Logo\_of\_CPA\_Australia](https://42advisory.com.au/hubfs/Logos/Logo_of_CPA_Australia.svg) - ![TPB](https://42advisory.com.au/hubfs/Logos/TPB.svg) - ![Xero\_Logo - Blue](https://42advisory.com.au/hubfs/Logos/Logo%20-%20Blue.svg) - ![ATO\_logo](https://42advisory.com.au/hubfs/Logos/logo.svg) - ![myob-logo](https://42advisory.com.au/hubfs/Logos/myob-logo.svg) ![Illustration of an accountant preparing reports and analysing tax data, representing 42 Advisory’s compliance and financial reporting expertise](https://42advisory.com.au/hubfs/Graphic%20images/tax-compliance-financial-reporting-42advisory.svg) Tax Planning Explained ## What is tax planning? Tax planning is the proactive structuring of your financial affairs to legally minimise tax **before 30 June** — as distinct from tax compliance, which reports what has already happened. A structured plan forecasts your current-year position across every entity, reviews your structure, selects from the legally available strategies, and quantifies the saving before anything is implemented. Done properly, tax planning reduces tax, protects cash flow and strengthens long-term wealth outcomes. Done late — after the year ends — most meaningful opportunities are gone. See how planning differs from [tax compliance](https://42advisory.com.au/services/small-business-tax-compliance-melbourne), which we also handle under the same roof.   Our Tax Planning Approach ## How does the tax planning process work at 42 Advisory? Our tax planning engagements follow a structured, documented process: we gather your year-to-date results, forecast full-year income across all entities, review your structures (companies, trusts, SMSFs), select the strategies appropriate to your circumstances, and quantify the projected saving for each. You receive a written tax planning report, an advisory meeting to work through the options, and implementation support before 30 June. Whether you operate as a sole trader, company, trust or partnership, you get clear explanations and step-by-step guidance — no jargon, no guesswork, and no strategy recommended unless the numbers justify it. Key Areas We Cover ## Which tax planning strategies do we cover? Our tax planning work for Melbourne businesses and professionals typically covers: Tax Projection for the Financial Year Expected profit, tax position and cash requirements mapped before 30 June, so there are no surprises at lodgement.  Strategy Review & Recommendations Your current position, structure and deductions reviewed against the strategies available to you, with each saving quantified. Business Structure Review & Selection Whether your company, trust, partnership or sole-trader structure is still the right fit, and practical restructuring options where it is not. Dividend & Distribution Planning Timing and amounts planned to manage personal income levels and franking outcomes. See our guide to [how trusts work in Australia](https://42advisory.com.au/42-advisory-blog/trusts-in-australia-how-they-work).  Division 7A Planning Private company loans, payments and unpaid present entitlements reviewed for Div 7A (ITAA 1936) exposure, with complying loan agreements and minimum repayments planned where needed. Division 293 and superannuation contribution planning Contribution timing for high-income earners, including the additional 15% Div 293 tax on concessional contributions above the threshold.  CGT event management Timing of capital events, small business CGT concessions and rollover options, particularly ahead of a business or property sale. See the [2026 CGT reform changes](https://42advisory.com.au/42-advisory-blog/2026-cgt-reform-small-business-and-start-up-carve-outs).  PAYG instalment variations Instalments varied to match forecast income, so cash is not locked up with the ATO unnecessarily. ![42 Advisory tax planning meeting in Melbourne](https://42advisory.com.au/hs-fs/hubfs/42%20Asvisory%20Tax%20planning%20office.webp?width=960&height=536&name=42%20Asvisory%20Tax%20planning%20office.webp) Timing Matters ## When should tax planning be done? Effective tax planning happens **before 30 June** — ideally beginning in the March–April quarter, when enough of the year is known to forecast reliably and enough time remains to act. Waiting until July removes most meaningful opportunities. Beyond the annual cycle, we recommend a strategy review before any major decision: business expansion, asset purchases, trust distribution resolutions, superannuation contributions, property transactions or restructuring. Key lodgement and payment dates are in our [2026 ATO due-dates guide](https://42advisory.com.au/42-advisory-blog/key-ato-due-dates-bas-payg-fbt-super-tpar). ![Illustration of advisor analysing diversified business investments and financial reports, symbolising 42 Advisory’s focus on sustainable growth and smart diversification.](https://42advisory.com.au/hs-fs/hubfs/Graphic%20images/business-diversification-financial-strategy-42advisory@300x.png?width=960&height=824&name=business-diversification-financial-strategy-42advisory@300x.png) Fees & Engagement ## How much does tax planning cost in Melbourne? 42 Advisory quotes tax planning as a **fixed fee, agreed in writing before work begins** — typically scoped to the number of entities and the complexity of your group. Our working rule: a strategy must be projected to return **at least three times the advisory fee** in client benefit before we recommend it — ideally five to ten times. If the numbers do not justify the engagement, we tell you. Fees paid to a registered tax agent for managing your tax affairs, including tax planning advice, are tax-deductible under **ITAA 1997 s 25-5**. See [fixed-fee versus hourly billing](https://42advisory.com.au/42-advisory-blog/fixed-fee-accounting-vs-hourly-billing-whats-best-for-your-business) for how our pricing model works. Compliant by Design ## Is tax planning legal in Australia? Yes — tax planning arranges your affairs within both the letter and the intent of Australian tax law. It is fundamentally different from tax avoidance schemes, which are targeted by the general anti-avoidance rules in **Part IVA of the ITAA 1936**. Every 42 Advisory tax plan is documented: savings quantified, implementation steps detailed, and compliance risk assessed — including whether a scheme could attract Part IVA or promoter penalty provisions. If a strategy carries that risk, we will not recommend it. We operate strictly within Australian taxation law and ATO guidance, as a CPA practice bound by APES 110. ![Upward arrow and stacked bar chart representing business growth and financial visibility](https://42advisory.com.au/hubfs/Icons/Asset%208.svg) ### One Advisor, Full Visibility Work directly with a senior advisor who understands your business, not a rotating team. Get consistent advice and full transparency into your financial position—anytime, anywhere ![Archway structure with a yellow spotlight symbolising strategic financial planning beyond compliance.](https://42advisory.com.au/hubfs/Icons/Asset%2012.svg) ### Strategic, Not Just Compliant We go beyond lodging BAS and tax returns. Our advisors support your business with financial modelling, growth planning, and investor-ready insights designed for long-term success. ![Clipboard with checklist and pencil representing customised accounting solutions for Melbourne small businesses.](https://42advisory.com.au/hubfs/Icons/Asset%206.svg) ### Tailored for Melbourne SMEs We specialise in helping local businesses—from medical clinics and ecommerce brands to IT startups and cafes—navigate tax, cash flow, and growth with confidence. ![Illustration of business advisor analysing growth charts and performance metrics, symbolising 42 Advisory’s data-driven financial strategy services.](https://42advisory.com.au/hubfs/Graphic%20images/business-growth-financial-strategy-42advisory.svg) Why Choose 42 Advisory ## Why do Melbourne businesses plan their tax with us? Because the planning, the compliance and the advisory sit with one team. Your tax plan is prepared by the same [CPA advisors](https://42advisory.com.au/services/cpa-accountant-melbourne) who lodge your returns and build your forecasts — so strategies are implemented, not filed away. - **Forward-looking, quantified strategies.** We model your projected profit, compare tax outcomes across options, and put a dollar figure on every recommendation — timing decisions, deductions, contributions and structure changes. - **Structures that fit the next stage.** Sole trader, company or trust — we assess whether your structure still serves you, and manage the restructure when it does not. - **Advice before it is too late.** We meet during the year, not after it: CGT events, PAYG variations, Div 293 exposure, Div 7A loans and profit extraction handled before 30 June closes the window. - **Connected advisory.** Tax planning links directly to our [3-way forecasting and virtual CFO work](https://42advisory.com.au/services/business-advisory-forecasting), so tax strategy and cash flow strategy are the same conversation. ![Business professional reviewing growth data, representing 42 Advisory’s bookkeeping and tax advisory services.](https://42advisory.com.au/hubfs/Graphic%20images/Asset%2044.svg) Designed For Growth ## One Partner for Tax Planning, Advice & Smarter Business Decisions Small business owners need more than end-of-year compliance — they need a partner who understands their direction and plans ahead with them. At 42 Advisory, we combine proactive tax planning with ongoing advisory so you always know what’s coming, what to prepare for and how to make confident, well-timed decisions. From forecasting profits and minimising tax to optimising structures, dividends, contributions and cash flow, we help you stay one step ahead all year round. Whether you’re laying the foundations or scaling fast, our Melbourne team ensures your strategy is clear, compliant and built for long-term success — with the calm, predictable guidance you’d expect from a firm called *42*.  Where your structure includes an audited company or an entity reporting under accounting standards, our **[CPA accountants in Melbourne](https://42advisory.com.au/services/cpa-accountant-melbourne)** prepare the AASB-compliant statements your plan relies on    ![Asset 39](https://42advisory.com.au/hubfs/Icons%20Line/Asset%2039.svg)Fixed Monthly fees   ![Asset 36](https://42advisory.com.au/hubfs/Icons%20Line/Asset%2036.svg)Fully digital, Streamlined Setup   ![Asset 20](https://42advisory.com.au/hubfs/Icons%20Line/Asset%2020.svg)Personalised, Proactive Support   Common Questions ## Tax Planning FAQs for Melbourne Businesses & Professionals Do I need tax planning? If you run a business, hold investment property, earn a high income or operate through a trust or company, almost certainly yes. Tax planning is most valuable where there are choices to make — structure, timing, distributions, contributions. A PAYG employee with no investments has few levers; a business owner with multiple entities has many.  What is the difference between tax planning and tax compliance? Compliance reports the past — lodging returns and BAS accurately and on time. Planning shapes the future — forecasting liabilities, reviewing structures, selecting strategies and ensuring cash is available for tax payments. We deliver both: see our [tax compliance services](https://42advisory.com.au/services/small-business-tax-compliance-melbourne).  Who benefits most from tax planning? Business owners, medical professionals, property investors, high-income earners, growing SMEs, trust and company structures, and SMSF holders. Business owners benefit most because multiple income streams and structural options materially change outcomes.  How much can tax planning save? It depends on income level, structure, available strategies, cash flow capacity and timing. Our rule: a strategy must be projected to return at least 3× the advisory fee — ideally 5–10× — before we recommend proceeding. That keeps planning commercially worthwhile, not theoretical.  Is tax planning only about saving tax this year? No. A proper plan also considers your future tax profile, retirement and superannuation strategy, CGT on an eventual business sale, asset protection, wealth transfer, and state taxes — payroll tax, land tax and stamp duty. See our [2026 Victorian land tax guide](https://42advisory.com.au/42-advisory-blog/2026-land-tax-victoria-what-melbourne-investors-need-to-know).  Who is the best person to give tax advice? For tax agent services — advice on tax law, deductions, structuring and ATO matters — Australian law requires a **TPB-registered tax agent**; a CPA-qualified registered tax agent adds professional-standards accountability on top. Financial advisers can advise on investments and super strategy but cannot provide tax agent services unless registered. 42 Advisory is both a CPA practice and a registered tax agent (RAN 26303651).  What We Offer ## Explore Our Core Services ![](https://42advisory.com.au/hs-fs/hubfs/Images/WebP/melbourne-accounting-meeting-business-advisory-42advisory.webp?width=700&name=melbourne-accounting-meeting-business-advisory-42advisory.webp) Expert Guidance for Tax, Structure & Growth ### [CPA Accountant Advisory](https://42advisory.com.au/services/cpa-accountant-melbourne) Tap into the experience of our qualified CPA accountants to optimise tax, structure your business co... Keep Reading ![](https://42advisory.com.au/hs-fs/hubfs/Images/WebP/small-business-owners-discussing-digital-tools-melbourne-42advisory.webp?width=700&name=small-business-owners-discussing-digital-tools-melbourne-42advisory.webp) Plan Confidently with 3-Way Forecasting. ### [Cash Flow and Forecasting](https://42advisory.com.au/42-advisory-blog/3-way-forecasting-for-sme-growth) We create custom 3-way forecasts to help you model scenarios, manage cash flow, and present finance-... Keep Reading ![](https://42advisory.com.au/hs-fs/hubfs/Images/WebP/business-accounting-team-collaboration-melbourne-42advisory.webp?width=700&name=business-accounting-team-collaboration-melbourne-42advisory.webp) Practical Accounting for Melbourne SMEs ### [Small Business Accountant](https://42advisory.com.au/services/small-business-accountant-melbourne) Discover how we help retail, hospitality, and trades clients simplify BAS, payroll, and bookkeeping ... Keep Reading Plan Before 30 June ## Book a Tax Planning Review with a Melbourne CPA A fixed-fee review of your structure, forecast position and available strategies — with every recommendation quantified before you commit to it.  [Schedule a Strategy Meeting](https://42advisory.com.au/meetings/42advisory/initial-meeting-online) **Areas We Serve** - [Melbourne](https://42advisory.com.au) - [Chadstone](https://42advisory.com.au/accountants/chadstone/) - [Moorabbin](https://42advisory.com.au/accountants/moorabbin) - [Bentleigh](https://42advisory.com.au/accountants/bentleigh) - [Oakleigh](https://42advisory.com.au/accountants/oakleigh) - [Burwood](https://42advisory.com.au/accountants/burwood) - [Carnegie](https://42advisory.com.au/accountants/carnegie) - [Caulfield](https://42advisory.com.au/accountants/caulfield) **Business Advisory** - [Business Advisory & 3-Way Forecasting](https://42advisory.com.au/services/business-advisory-forecasting) - [Tax Planning](https://42advisory.com.au/services/tax-planning-melbourne) - [R&D Tax Incentive](https://42advisory.com.au/services/r-and-d-tax-incentive) - [Business Valuation](https://42advisory.com.au/services/business-valuations) - [Residential Finance](https://42advisory.com.au/finance/residential-finance-services-melbourne) - [Buying a Business](https://42advisory.com.au/services/buying-a-business-due-diligence-melbourne) - [Commercial Finance](https://42advisory.com.au/finance/commercial-finance-services) - [Asset Finance](https://42advisory.com.au/finance/asset-finance-solutions) **Accounting & Tax** - [Small Business Accountants](https://42advisory.com.au/services/small-business-accountant-melbourne) - [Personal Tax Returns & Advisory](https://42advisory.com.au/services/personal-tax-accountant-melbourne) - [SMSF Accountants](https://42advisory.com.au/services/smsf-accountant-melbourne) - [BAS & IAS Lodgement Services](https://42advisory.com.au/services/bas-ias-accountant-services-melbourne) - [Property Tax](https://42advisory.com.au/services/property-tax-accounting-melbourne) - [CPA Accountant & Advisory Services Melbourne](https://42advisory.com.au/services/cpa-accountant-melbourne) - [Bookkeeping](https://42advisory.com.au/services/small-business-bookkeeping-melbourne) - [Crypto Tax for Investors & Traders](https://42advisory.com.au/industries/crypto-tax-accounting-for-investors-traders) **Industries** - [Accounting for Doctors](https://42advisory.com.au/industries/accounting-advisory-for-doctors-dentists-health-practices) - [E-Commerce & Online Retail](https://42advisory.com.au/industries/ecommerce-accountants-melbourne) - [Tech, SaaS & IT](https://42advisory.com.au/industries/tech-saas-accounting) - [Crypto Tax & Accounting](https://42advisory.com.au/industries/crypto-tax-accounting-for-investors-traders) - [MMA, BJJ & Muay Thai Gyms](https://42advisory.com.au/industries/martial-arts-combat-sports-gym-accountants-melbourne-42-advisory) - [Accounting for Builders & Trades](https://42advisory.com.au/industries/builders-tradies-accountants-melbourne) - [Accounting for Professional Services](https://42advisory.com.au/industries/professional-services) - [Startup Accounting & Advisory](https://42advisory.com.au/industries/startup-accounting-advisory-services-melbourne) - [Hospitality Accounting (Cafés & Restaurants)](https://42advisory.com.au/industries/cafés-restaurants-retail-stores) - [Automotive & Mechanical Services](https://42advisory.com.au/industries/automotive-accountants-melbourne) --- [![42 Advisory logo – Melbourne accountants and business advisors](https://42advisory.com.au/hubfs/Logo%201%20Black_Vector.svg "42 Advisory logo – Melbourne accountants and business advisors")](https://42advisory.com.au/) Waterman Moorabbin, Level 1, 13–15 Cochranes Road, Moorabbin VIC 3189  [info@42advisory.com.au](mailto:enquiry@42advisory.com.au) 03 9997 7081 Suite 752, Level 2 UL40, 1341 Dandenong Road, Chadstone, VIC 3148​ [enquiry@42advisory.com.au](mailto:enquiry@42advisory.com.au) 03 9997 7081 © 2026 Forty Two Advisory | Terms and conditions| [Privacy Policy](https://42advisory.com.au/privacy-policy) | [Site Map](https://42advisory.com.au/sitemap.xml) Liability limited by a scheme approved under Professional Standards Legislation ```json { "@context" : "https://schema.org", "@id" : "https://42advisory.com.au/#website", "@type" : "WebSite", "alternateName" : "Forty Two Advisory", "inLanguage" : "en-AU", "name" : "42 Advisory", "publisher" : { "@id" : "https://42advisory.com.au/#accountingservice" }, "url" : "https://42advisory.com.au/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://42advisory.com.au/services/tax-planning-melbourne#webpage", "@type" : "WebPage", "about" : { "@id" : "https://42advisory.com.au/services/tax-planning-melbourne#service" }, "breadcrumb" : { "@id" : "https://42advisory.com.au/services/tax-planning-melbourne#breadcrumb" }, "description" : "Fixed-fee tax planning for Melbourne businesses. 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If you run a business, hold investment property, earn a high income or operate through a trust or company, almost certainly yes. Tax planning is most valuable where there are choices to make — structure, timing, distributions, contributions. A PAYG employee with no investments has few levers; a business owner with multiple entities has many. 

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Compliance reports the past — lodging returns and BAS accurately and on time. Planning shapes the future — forecasting liabilities, reviewing structures, selecting strategies and ensuring cash is available for tax payments. We deliver both: see our tax compliance services. 

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Business owners, medical professionals, property investors, high-income earners, growing SMEs, trust and company structures, and SMSF holders. Business owners benefit most because multiple income streams and structural options materially change outcomes. 

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It depends on income level, structure, available strategies, cash flow capacity and timing. Our rule: a strategy must be projected to return at least 3× the advisory fee — ideally 5–10× — before we recommend proceeding. That keeps planning commercially worthwhile, not theoretical. 

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No. A proper plan also considers your future tax profile, retirement and superannuation strategy, CGT on an eventual business sale, asset protection, wealth transfer, and state taxes — payroll tax, land tax and stamp duty. See our 2026 Victorian land tax guide. 

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For tax agent services — advice on tax law, deductions, structuring and ATO matters — Australian law requires a TPB-registered tax agent; a CPA-qualified registered tax agent adds professional-standards accountability on top. Financial advisers can advise on investments and super strategy but cannot provide tax agent services unless registered. 42 Advisory is both a CPA practice and a registered tax agent (RAN 26303651). 

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