Tax Planning Accountant in Doreen & Montmorency
Good tax outcomes rarely happen by accident. They come from planning ahead, understanding how the rules apply to your situation, and making decisions before the financial year closes rather than after. Whether you are an individual with growing investments or a business owner facing a rising tax bill, the difference between reacting at tax time and planning throughout the year can be significant.
At C&H Accounting Group, our tax planning services help you look forward, not just backward. Our experienced team takes the time to understand your income, your goals, and your circumstances, then builds a clear strategy to legally reduce tax, improve cash flow, and keep you compliant. With the right plan in place, you can make confident financial decisions all year round, knowing exactly where you stand.
Our Tax Planning Services
C&H Accounting provide proactive tax planning services for individuals, families, sole traders, and businesses across Melbourne. Rather than waiting until your return is due, we work with you throughout the year to identify opportunities, forecast your position, and put strategies in place before deadlines pass. Our goal is simple: help you keep more of what you earn while staying fully compliant with the ATO. From straightforward personal planning to complex business structuring, our tax specialists tailor every strategy to your situation.
Personal Tax Planning
Planning ahead makes a real difference to your personal tax position. We help individuals and families understand how income, investments, and life changes affect their tax, then plan accordingly. This includes timing income and deductions, managing capital gains, structuring investments tax-effectively, and making the most of the concessions and offsets available to you. The earlier we start, the more options you have.
Business Tax Planning
For business owners, tax planning is one of the most valuable exercises you can do each year. Our business tax planning service reviews your expected profit before year end, forecasts your likely tax liability, and identifies strategies to manage it. This can include the timing of income and expenses, superannuation contributions, asset purchases and instant asset write-offs, trust distributions, and choosing the right structure for your business. We help you avoid surprises and plan for the cash you will need to meet your obligations.
Capital Gains Tax Planning
Selling property, shares, or a business can trigger a significant capital gains tax bill if it is not planned for. We provide clear advice on how CGT applies to your situation and, where possible, how to reduce it. This includes timing the sale, applying the CGT discount, using available exemptions, and, for eligible business owners, accessing the small business CGT concessions. Planning before you sell almost always gives you more room to move than planning after.
Investment and Property Tax Planning
Investment income adds complexity to your tax, but it also creates planning opportunities. We advise on the tax treatment of rental properties, shares, and other investments, including negative gearing, depreciation, and how to structure ownership for the best long-term outcome. Whether you are building a portfolio or managing an existing one, we help you understand the tax impact of each decision before you make it.
Superannuation and Retirement Tax Planning
Superannuation remains one of the most tax-effective ways to build wealth for retirement. We help you plan contributions within the annual caps, understand the tax benefits of concessional and non-concessional contributions, and coordinate your super strategy with your broader tax position. For those approaching retirement, we also advise on transition-to-retirement strategies and how to draw an income in a tax-effective way.
Why Choose C&H as your Tax Planner?
Our tax planners have more than 30 years of experience helping individuals and businesses across Melbourne stay ahead of their tax. We keep across changing tax rules and ATO requirements so you do not have to, identifying opportunities to legally reduce tax while keeping you fully compliant.
Good tax planning is about more than numbers. We take the time to understand your situation, explain your options in plain language, and give advice that is genuinely in your best interests, year after year. Whether your circumstances are simple or complex, you will benefit from a team with decades of local and industry expertise ready to help.
Our Expert Tax Advisors
The C&H tax team is made up of experienced accountants, including both Chartered Accountants (CA) and Certified Practising Accountants (CPA). With deep experience across personal and business tax, our advisors bring the technical knowledge and practical judgement needed to build tax strategies that work for your situation.
Charles Hesse
Partner
Masters of Taxation, CPA, Bachelor of Business, Registered Tax Agent, SMSF Auditor (ASIC), Public Practice Certificate, Xero Certified Advisor
Paddy Cummins
Partner
CPA, Bachelor of Commerce, Registered Tax Agent, SMSF Auditor (ASIC), Public Practice Certificate, Xero Certified Advisor
Luisa Chisholm
Senior Manager
CPA, Bachelor of Business (Accounting), Registered Tax Agent, Xero Certified Advisor
Zoe Mahlstedt
Senior Accountant
CPA, Bachelor of Business, Xero Certified Advisor
Rose Derrick
Senior Accountant
CPA, Bachelor of Business (Accounting), Xero Certified Advisor
Ashley Wang
Senior Accountant & SMSF Specialist
CA, Bachelor of Commerce, Xero Certified Advisor
Mehdi Najmi
Senior Accountant
CPA, Bachelor of Business (Accounting), Xero Certified Advisor
Anthony Amalfi
Senior Accountant
CPA, Bachelor of Business (Accounting), MYOB Partner, Xero Certified Advisor
Kelly Atkinson
Senior Accountant
CPA, Bachelor of Business (Professional Accountancy)
Nathan Elliot
Accountant
CPA (ASA), Bachelor of Business (Prof. Accounting), Xero Certified Advisor
Joshua Hesse
Accountant
CA, Bachelor of Business (Prof. Accounting), Xero Certified Advisor
Ronnel Perez
Accountant
Bachelor of Business (Accounting), Xero Certified Advisor
Tax Planning Accountants in Doreen & Montmorency
C&H Group proudly provide tax planning services across Melbourne, operating out of our two offices in Montmorency and Doreen.
Montmorency Office
For those seeking services in Montmorency, you’ll find our office located at 14/39 Grand Blvd, Montmorency VIC 3094. You’ll find us just a 15-minute walk from Were St.
Doreen Office
For those in the Northeastern suburbs, you’ll find us located at Level 1/100 Hazel Glen Dr, Doreen VIC 3754. You’ll find our office directly across from Laurimar Primary School and close to Laurimar Town Centre.
FAQs
Tax planning is the process of organising your financial affairs in advance to legally reduce the amount of tax you pay. Rather than simply lodging a return after the year has ended, it looks forward at your expected income, deductions, and decisions so you can act on opportunities while they are still available. Effective tax planning keeps you compliant with the ATO while making sure you do not pay more than you need to.
A tax planning accountant reviews your current and expected financial position, forecasts your likely tax, and recommends strategies to manage it before the financial year closes. This can include timing income and expenses, structuring investments and businesses, planning super contributions, and applying available concessions. The aim is to give you a clear plan and no surprises at tax time.
The best time to start is well before 30 June, ideally in the months leading up to year end while there is still time to act. Many of the most valuable strategies, such as bringing forward deductions or making additional super contributions, are only available before the financial year closes. That said, tax planning works best as an ongoing habit rather than a single annual task, so starting early in the year gives you the most flexibility.
A tax return reports what has already happened and calculates the tax owed on the year just finished. Tax planning looks ahead, shaping decisions before they are made so the outcome is more favourable. In short, a tax return records the result, while tax planning helps influence it.
For most individuals and businesses, a qualified accountant who provides tax services can meet your needs, including planning and advice. A tax advisor may specialise more heavily in complex structuring or strategic planning, often for businesses or higher-net-worth individuals. At C&H, our team combines both, so you get practical accounting support and strategic tax planning from the one place.
Business tax planning reduces tax by identifying and acting on opportunities before year end. This might include timing income and expenses, making deductible super contributions, purchasing eligible assets, reviewing trust distributions, and making sure your business structure is right for your circumstances. By forecasting your position early, we can put these strategies in place while they still count and help you plan for the cash you will need to meet your obligations.
Book Your Initial Consultation Today!
Our team of tax advisors and accountants are here to help you plan ahead, reduce your tax, and make confident financial decisions all year round.
