Frequently asked questions
Answers before you book.
A strategy session starts with the decision in front of you, not a generic checklist.
Who is Andrew Romano CA for?+
I work with high-income Australians earning $120,000 or more, including professionals, investors and business owners in Sydney and across Australia, who need clear tax, property or SMSF strategy before a major decision.
Can Andrew help as a property tax accountant?+
Yes. I am a Sydney-based Chartered Accountant helping property investors and business owners across Australia review ownership, rental tax, capital gains tax and cash flow before buying, holding or selling. Explore my property tax and structuring service. Read the guide.
Does Andrew Romano provide more than annual tax compliance?+
Yes. As a Sydney-based Chartered Accountant, I connect tax with property strategy and SMSF setup and compliance, including planning before a purchase. The scope of each engagement is agreed before work begins.
Can I speak with Andrew before buying property?+
Yes. A strategy session can help you review the purchase assumptions, cash flow, borrowing position, ownership structure and likely tax considerations before you commit.
Can you review a property proposal before I sign?+
Yes. I can review the assumptions, cash flow, ownership structure and tax position presented in a proposal. The review is focused on tax, structure and numbers, not recommending a particular property, suburb or lender product.
Can I still negatively gear after the 2026 Budget or from 2027?+
Negative gearing and any proposed or enacted reform need to be checked against the law that applies to the relevant year, the asset and your ownership structure. The timing of a purchase, any grandfathering rules and the evidence supporting the deductions can all matter. Read the guide on negative gearing changes before you rely on a headline outcome. Read the guide.
Can my SMSF still borrow for residential property after 10 August 2026?+
SMSF borrowing depends on the legislation and regulatory requirements applying at the time, as well as the LRBA documents, contract timing, fund trust deed and investment strategy. I can help identify the tax, structure and compliance questions to take to your SMSF adviser before you sign. Start with the SMSF borrowing and LRBA guide. Read the guide.
Should I buy my next property in my own name or through a trust?+
There is no universal best structure. The decision can depend on tax rates, land tax, asset protection, finance, control, future use and the way income or gains may be distributed. Compare the options before signing a contract in the investment property structure guide. Read the guide.
What changed with the capital gains tax discount from 2027?+
CGT treatment depends on the asset, ownership period, taxpayer, capital losses and the law that is actually in force when the CGT event happens. If a reform changes the way the discount interacts with indexation or timing, the outcome needs to be modelled rather than assumed. Read the CGT guide and obtain advice for your circumstances. Read the guide.
Do you provide financial product advice?+
No. My work focuses on tax, property structure and decision review as a Chartered Accountant and registered tax practitioner.
