Griffiths Advisory helps West Australians build wealth by planning their tax and holding what they own in the right structure. We are tax accountants, so we plan the tax on your income, your investments and your business, and set up the structures that hold them.
What Our Wealth Creation Service Covers
We are not financial planners. We do not recommend investments, and we do not give an opinion on establishing, contributing to or withdrawing from a self-managed super fund. Clients who want investment advice work with a licensed financial planner alongside us.
| Service | What Griffiths Advisory Does | Who It Suits |
|---|---|---|
| Annual Tax Review | Reviews your income, companies, trusts and loans each year and sets out the tax position for the year ahead | Anyone whose income, assets or debts have changed |
| Business & Investment Structures | Compares holding an asset or a business in your own name, in a company or in a family trust, then sets up the structure you choose | Business owners and investors buying their next asset |
| Property Investor Tax | Negative gearing, rental property schedules, depreciation, WA land tax and capital gains tax on sale | Investors and developers with property in Western Australia |
| Share Investor Tax | Dividends, franking credits, dividend reinvestment records and capital gains tax on each parcel sold | Investors who hold shares for the long term |
| Debt Structuring | Keeps investment borrowing separate from private borrowing, so the interest on each loan is claimed against the right purpose | Anyone borrowing against their home to invest |
| SMSF Accounting | Fund accounts, member statements and the annual return, with the fund's annual audit completed by an independent auditor | Trustees who run their own fund |
Our Property Tax Accountant Perth, Business Structure, Positive & Negative Gearing and SMSF Accountants Perth pages cover those services in more detail.
How Our Wealth Creation Service Works
Step 1: Review Your Current Position
We start with your recent tax returns, the companies and trusts you already own, your loans and your sources of income. From these, we can identify any income taxed at a higher rate than necessary and any interest you have not claimed.
Step 2: Compare the Tax Outcome Before You Act
Before you buy an investment property, sell a parcel of shares or start a business, we compare how each option would be taxed in your own name, in a company and in a family trust. If you move an asset into a different structure after buying it, you may have to pay capital gains tax and WA transfer duty on the transfer. We settle the structure with you before you sign.
Step 3: Set Up the Structure & the Loans
We register the company, or arrange the deed for a trust, and apply for its ABN and tax file number. Where that company or trust is buying the asset, the loan should be in its name as well.
Generally, the ATO allows an interest deduction according to what you spent the borrowed money on, and the property you borrowed against makes no difference. If you redraw on an investment loan to pay for a car or a holiday, you would generally lose the deduction on that share of the interest. The interest on that loan would then need to be split between private and investment use for as long as the loan runs.
These deduction rules change on 1 July 2027. Where you bought an established residential property on or after 12 May 2026, you will no longer be able to claim a rental loss against your other income from that date. We check the purchase date of each property before we arrange the loans.
Step 4: Plan Each Financial Year Before 30 June
Before each financial year ends on 30 June, we review:
- your income for the year
- the timing of any sale
- any expenses that can be brought forward
- your trust distribution resolution, which must be made by 30 June
After 30 June, none of these can be changed for that year, and your tax return can only record what already happened.
Speak with Phil before you sign a contract to buy, while you can still choose the structure.
Why Perth Clients Choose Griffiths Advisory
Phil Griffiths, Managing Director, is a Certified Practising Accountant. He holds a Bachelor of Commerce, a Diploma in Financial Planning and the Professional Certificate in SMSF. Griffiths Advisory was a finalist for Property Specialist Accountant of the Year at the 2024 Australian Accounting Awards. Our clients rate us 5.0 on Google.
"Griffiths Advisory provides a very comprehensive service with lots of ideas I had never thought of."
Mark Casey, Casey's Linen Service
"They're the best accountants I've ever had. Switched on and assertive."
Peter Lehne, PDL Music
Our office is at Unit 8A-9A, 151 Herdsman Parade, Wembley. We have clients across greater Perth, including Churchlands, Floreat, Subiaco, West Leederville, Osborne Park and Herdsman, and many have been with us for over a decade. We see new clients by appointment.
What Our Wealth Creation Service Costs
We quote structuring work once we have reviewed your returns and loans, because the fee depends on how many companies and trusts are involved. Individual tax returns start from $264 including GST. Our Price Guide lists typical fees for company, trust, partnership and SMSF returns.
Key Tax Rules for Perth Investors & Business Owners
We apply these rules when we plan your tax each year and when we compare structures before you buy.
| Tax Rule | What It Means for You | Who It Applies To |
|---|---|---|
| Capital Gains Tax Discount | If you sell an asset you have held for at least 12 months, generally only half of the gain is taxed. The discount is available to individuals and trusts, and not to companies. From 1 July 2027, you work out any gain accruing after that date using indexation of the cost base, and you pay tax on it at a minimum rate of 30%. You keep the 50% discount on a new residential dwelling. | Property and share investors |
| Franking Credits | When an Australian company pays you a dividend, the tax it has already paid on its profits is credited against your own tax. | Share investors |
| Family Trust Distributions | Each beneficiary pays tax on the share of trust income distributed to them, generally at their own rate. A minimum tax of 30% on discretionary trust income has been announced, to start on 1 July 2028. The measure is not yet law. | Families who hold assets or a business in a trust |
| Company Tax Rate | A company with turnover under $50 million generally pays tax at 25% in the 2026-27 financial year, as long as 80% or less of its income is passive income such as rent or interest. Other companies pay 30%. | Business owners |
| Negative Gearing | If the interest and other costs of an investment are higher than the income it earns, you can generally deduct the loss from your other income, such as your salary. If you bought the property on or after 12 May 2026, then from 1 July 2027 you will be able to claim that loss only on a newly built property. You can still claim it on a property you bought before 12 May 2026. | Property and share investors with loans |
| WA Land Tax | RevenueWA charges land tax on the combined taxable value of the land you own at midnight on 30 June. Your own home is generally exempt. | Investors who own land in Western Australia |
Each rule has conditions, and we check those conditions against your own figures before we rely on the rule.
Frequently Asked Questions
Do share investors need a tax accountant?
Many do, because every dividend reinvestment adds a new parcel of shares with its own purchase price. Without a record of each parcel, you could pay the wrong amount of capital gains tax when you sell. Griffiths Advisory keeps a record of every parcel, claims your franking credits and calculates the capital gain each time you sell. A share trader's gains are taxed differently, as business income.
How is a wealth creation appointment with Phil different from a tax return appointment?
At a tax return appointment, we record the financial year that has finished. A wealth creation appointment with Phil looks at the years ahead: which structure should own your next asset, how your loans should be arranged and what to do before the financial year ends. Book it before you buy, sell or borrow, from our Booking Appointment page.
The information on this page is general in nature and does not take account of your own circumstances. Rates and thresholds are those for the 2026-27 financial year and change each year. Speak with Griffiths Advisory before acting on any of it.
Last updated 29 September 2026