It all starts with a conversation
It’s time to stop treading water and build confidence with a better performing business.
23 Hamilton St,
Subiaco WA 6008
It’s time to stop treading water and build confidence with a better performing business.
23 Hamilton St,
Subiaco WA 6008
If you’re a high-income professional or investor who knows the structure isn’t right, suspects you’re leaving too much on the table, and doesn’t have a clear plan for where this is all heading — this page is for you.
Watch the video, then read on.
You’ve spent years building income. Your career is strong, or your investments are growing, or both. On paper, things look good.
But there’s a gap between what you earn and what you actually accumulate. Tax takes a large chunk. The structure you’re in was set up years ago and probably hasn’t been reviewed since. You have investments, but they’re scattered — some in your name, some in a company or trust, maybe some in super — without a clear strategy connecting them.
Nobody is coordinating the whole picture. Your accountant does the return. Your financial adviser manages the super. Nobody talks to each other. And nobody has sat you down and said: here’s where you are, here’s where you’re going, and here’s exactly how we’re going to get there.
That’s what we do.
If you read that and thought “that’s me” — keep reading.
Most professionals have three or four advisers who have never spoken to each other. The accountant, the financial planner, the mortgage broker, the super fund. Everyone does their own piece. Nobody owns the whole.
We built KHT to be different. Ben Elliott leads the accounting and tax strategy side. Paul Cramer leads KHT Wealth, the financial planning and portfolio management arm. They work together — in the same firm, with the same clients — so your tax strategy and your investment strategy are always aligned.
Here’s what the relationship looks like in practice:
Before anything else, we look at how you’re set up. Is income going to the right place? Is there a structure — trust, company, SMSF — that reduces your tax over the long run? Is the risk sitting where it should be? If the answer isn’t right, we fix it.
Your tax position shouldn’t be a surprise. We model your income, your deductions, your distributions. We look at what’s coming and make decisions before the window closes. Not retrospective. Proactive.
Not a generic model portfolio. A plan built around when you want financial independence, how much you need to live the life you want, and how to get there without taking more risk than you need to. We manage the portfolio and report to you regularly.
One firm. One conversation. No silos.
A senior partner at one of the big four accounting firms. Over many years we’ve handled annual tax planning and compliance, optimising distributions from their structure each year to keep tax managed in a high-income environment. As their income grew, so did the complexity — and the opportunity.
This year they’re retiring. The transition has been planned carefully — superannuation contributions timed right, the investment portfolio structured to replace employment income, drawdown modelled to last. They’re walking out the door with certainty rather than anxiety.
A business owner who sold their company. We were involved well before the sale — working with the buyer on deal structure, positioning the transaction to maximise the outcome under the small business CGT concessions. The tax saving on exit was substantial.
With the proceeds we built an investment portfolio designed to generate passive income. They now live off the earnings from that portfolio.
A long-serving BHP employee who had accumulated a large, concentrated holding of BHP shares over decades — plus a redundancy payout on the way out. Classic single-stock risk: everything tied up in one company, one industry.
We helped them set up an investment structure, transition out of BHP progressively in a tax-effective way, and build a diversified global portfolio. They now live off the income the portfolio generates. BHP is still in there — just as one position among many, not the whole bet.
A client who had made a very large gain in DeGrey Mining stock. The position had grown to the point where the concentration risk was uncomfortable — but selling it all at once would have triggered an enormous capital gains tax bill.
We built a staged divestment strategy to spread the gain across multiple financial years, minimising the tax hit at each step. The proceeds were reinvested into a diversified portfolio. They now live off the earnings that portfolio generates.
Two salaried professionals with a combined income over $400K, about to buy a principal residence in Sydney for $1.8M. They had significant existing investments including employee share scheme stock from a US multinational — concentrated, and sitting on large gains.
We modelled a debt recycling strategy: sell down the concentrated stock, pay off the non-deductible mortgage, redraw to reinvest and diversify — turning $1.4M of non-deductible debt into tax-deductible investment debt. Annual tax saving at their marginal rate: approximately $39,000. The structure was set up before settlement so it was right from day one.
A couple with over $4M in liquid assets, paying significant tax on interest earnings and with no structure in place. Their existing adviser handled only the SMSF. Nobody was looking at the broader picture.
We established an investment company owned by a family trust — providing asset protection, estate planning flexibility, and a more tax-effective home for investment earnings. The structure is now set up for the long term. Investment management followed.
The first meeting is a conversation — not a pitch. But it’s worth being clear about what this is: we’re not a tax-return service, and we’re not your current accountant at a higher price. This is coordinated tax strategy and wealth management under one roof — the kind of advice that changes what you keep and how fast you reach financial independence.
Book a Strategy MeetingOur calendar is limited and these meetings are in high demand, so we ask for a $250 deposit to hold your spot. It’s fully credited against your first invoice when you come on as a client — so if we’re the right fit, it costs you nothing.