Tax Minimisation Strategies for High-Income Earners in Australia: A Chartered Accountant’s 2026 Guide
8 proven tax minimisation strategies for high-income Australians in 2025-26. Legal, ATO-compliant, and built for $200k+ earners.
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 →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 —
Family Trust Income Splitting in Australia: How It Works, Who It Suits, and What the ATO Is Watching
How family trust income splitting works, the real tax savings using 2025-26 rates, Section 100A risks, and the NSW land tax trap.
How to Structure Your Investment Property in Australia: Personal Name vs Trust vs Company vs SMSF
Compare every investment property structure with tax rates, CGT impact, and case studies for high-income Australians.
SMSF Property Investment in Australia: Everything You Need to Know Before You Buy
SMSF property investment: tax rates, LRBA rules, real costs, and who should and shouldn’t buy. A complete guide.
End-of-Financial-Year Tax Checklist for Australians Earning $200k+
The EOFY tax checklist I give my high-income clients — super, CGT, trust distributions, deductions and more.
Free Tools & Resources
Calculators, checklists, and guides built for high-income Australians.