A professional couple in their early 50s—let’s call them David and Sarah—had recently reached a significant financial milestone: their mortgage was fully paid off, and their children had completed secondary school.
When planning for retirement, many high-income earners focus solely on their own superannuation balance. But this individual approach often leaves a powerful opportunity untapped—strategic contributions and structuring between spouses.
As the financial year draws to a close, many professionals find themselves in a familiar place: juggling tax planning, superannuation deadlines, and last-minute paperwork, while also trying to keep an eye on their broader financial goals.
As the end of the financial year approaches, many high-income earners are looking for strategic ways to reduce tax and grow long-term wealth. Superannuation remains one of the most powerful tools to do both—when used effectively.
Executive share schemes (ESS) can be a valuable part of the compensation package for professionals and executives in technology, healthcare, biotechnology, and pharmaceuticals. These schemes offer significant financial incentives but also have substantial tax implications that must be carefully managed.
