Payday Super for Business Owners Running Their Own SMSF
You're both the employer and the SMSF trustee. From 1 July 2026, payday super hits you on both sides - cashflow timing, payroll software changes, and the double-up problem in July.
Chartered Accountant | SMSF Specialist | Tax Advisory | Sydney
Strategic Tax Advisory for High‑Income Australians
I help professionals, investors and business owners earning $120k+ legally minimise tax, structure investments, and build lasting wealth through the StrategyOS framework.
15+
Years Experience
100+
Five-Star Reviews
1,500+
Clients Advised
“Most people have an accountant. Very few have a strategy. That’s the gap I fill.”
I’m Andrew Romano - a Chartered Accountant, SMSF Specialist, and the founder of FTC in Sydney. For over 15 years, I’ve worked exclusively with professionals, investors and business owners who earn $120k or more, helping them make smarter decisions about tax, property, and money.
My approach is different to most accountants. I build a comprehensive strategy - your StrategyOS - covering tax minimisation, investment structuring, superannuation, and long-term wealth creation.
I share everything I know through my content, because I believe financial literacy shouldn’t be locked behind a paywall. If you’re ready for personalised advice, that’s where the strategy session comes in.
How I Help
Strategic advisory for professionals and business owners earning $120k+ who want to make smarter decisions about tax, property, and money.
Tax Strategy
Stop paying more tax than you need to. I’ll show you how to legally reduce your tax bill using super, trusts, timing, and structure.
Learn more →Property Structuring
Before you buy your next property, get the structure right. Personal name, trust, company, or SMSF - I’ll help you decide.
Learn more →SMSF Advisory
Set up, optimise, or restructure your SMSF. Buy property in super. Get the strategy right before you commit.
Learn more →Property Advice Review
Pitched a property by a buyer’s agent or planner? Get an independent CA’s second opinion on the projections, structure, and tax before you sign.
Learn more →The StrategyOS Framework
A structured approach to making better financial decisions.
01
Strategy Session
A deep-dive assessment of your financial position, goals, income, and current structures.
02
Personalised Plan
A tailored strategy with specific numbers and projections covering tax, super, property, and structure.
03
Ongoing Advisory
Implementation support with FTC handling all compliance. You focus on building wealth.
Trusted by High‑Income Australians
“Andrew has a wealth of knowledge and a true passion for helping people build financial security.”
- Google Review
“Reliable, honest, and simplifies complex investment strategy into clear action steps.”
- Google Review
“The strategy session alone saved me more than it cost. Completely changed how I think about tax.”
- Google Review
100+ five-star reviews on Google
Insights & Strategies
Actionable guides written by a Chartered Accountant -
Build vs Buy: Property Strategy When Negative Gearing Favours New Builds
Negative gearing is now restricted to new builds from 1 July 2027. Here's how to compare house and land packages vs established property - construction loans, holding costs, depreciation, and the real cashflow model.
Trust Capital Gains Distribution Planning After the CGT Discount Is Removed
The 50% CGT discount disappears for trusts from 1 July 2027. Streaming capital gains, the 30% minimum tax, beneficiary selection, trust deed amendments, and the timing decision on realising gains pre-2027.
Negative Gearing Changes 2027: What Property Investors Must Do Now
The negative gearing crackdown is in Parliament. Who's grandfathered, what changes from 1 July 2027, and what high-income property investors should do before it's too late.
CGT Discount Replaced: How the New Inflation Indexation Changes Everything from 2027
The 50% CGT discount is out from 1 July 2027. Inflation indexation and a 30% minimum tax replace it. Here's what that means for shares, property, and whether to sell before the deadline.
Payday Super SMSF Readiness Checklist: What Trustees Must Fix Before 1 July 2026
Payday Super starts 1 July 2026. SMSF trustees need their ESA active, NPP-ready bank account, and fund details correct or contributions will bounce. Here's the complete checklist.
Commercial Property in an SMSF: Why Business Owners Use This Strategy
How business owners buy their commercial premises through their SMSF and lease it back. Tax advantages, rules, and what to watch for.
SMSF Borrowing Rules: How Limited Recourse Borrowing Arrangements Work
How SMSF borrowing works through LRBAs. The bare trust structure, who can lend, and what most people get wrong before they sign.
NSW Land Tax and Investment Properties: How Your Structure Affects the Bill
How NSW land tax works and why your holding structure matters. The family trust trap, thresholds, and planning strategies.
Free Tools & Resources
Calculators, checklists, and guides built for high-income Australians.