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Your Financial Future’s in Safe Hands

Planning for retirement, securing sound investments, finding reliable super, making sure you have the right insurance cover… CountPlus One is there for you through all life’s journeys. While money matters, we know it’s your personal milestones that are most important. That’s why we believe in making financial processes simple for you, so you can enjoy the best life has to offer.

Case Study

Financial Restructure

Client: Professional middle-aged Couple

Objective: Help the client make the most of their income and acquisitions by minimising tax before  and after retirement

Our clients were successful professionals earning substantial income. Their income also included rent received from a premises occupied by a related business.

As the loan to buy the premises had been fully repaid, the net rental income which was flowing to the husband and wife on top of their professional income, was not insubstantial and was taxed at their high marginal tax rates. Any future taxable capital gains was also likely to be taxed to them also at their high marginal tax rates.

When they engaged CountPlus One, we saw an opportunity to maximise their earnings. We were able to assist them to transfer their property to a self manages superannuation fund at its current market value, without incurring any capital gains tax. When they retire after age 60, they will potentially be able to sell the property without paying capital gains tax on the sale.

As the net rental income is now flowing into their superannuation fund, the income is being taxed at a marginal tax rate of 15% compared to a marginal tax rate of 39%-47%.

Services offered:

  • Financial planning involved in creating and implementing the plan now and in future years.
  • Accounting and Taxation services for business and clients personally.

Speak to one of our team members about planning to make the most of your substantial income on 1300 360 186.

This case study is not intended to imply advice to your own situation. Please speak to us to understand your financial needs, objectives and circumstances.

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*Services provided as an Authorised Representative of Count. ‘Count’ and Count Wealth Accountants® are the trading names of Count Financial Limited, ABN 19 001 974 625 Australian Financial Services Licence Holder Number 227232 (‘Count’) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Count is a Professional Partner of the Financial Planning Association of Australia Limited.