Guide
Tax planning strategies for FY2026: an adviser's checklist
FY2026 tax planning is best approached as a checklist you work through with each client before year end: review their position against current rates and thresholds, revisit deductions, super, entity structuring and timing, and document the decisions. This is a general adviser-side prompt list — confirm every figure and rule against current ATO guidance and apply it to the client's specific circumstances.
How to use this checklist
This is an adviser's prompt list, not consumer "reduce my tax" tips and not personal advice. It's the set of areas worth a deliberate look with each client before year end. Rates, thresholds and rules change — verify each item against current ATO guidance for FY2026, and apply it to the client's real situation.
Areas worth reviewing
Work through these client by client:
- Current position — where the client stands against this year's rates and thresholds, and any they're close to crossing.
- Deductions — that everything available and substantiated has been captured.
- Superannuation — contributions and caps, reviewed against the current year's limits.
- Entity and structuring — whether the client's structure still fits, especially for family groups with multiple entities.
- Timing — income and expense timing decisions that are still open before year end.
- Documentation — that the basis for each decision is recorded (an evidence trail matters).
Where AI speeds the review
Running a tax health check across your client base turns this checklist from a manual, client-by-client slog into a fast first pass: the platform reads each client's numbers against current rates and surfaces the items worth attention, grounded in ATO sources. You review, apply judgement, and advise. The AI prioritises where to look; you make the calls.
A note on timing
Year-end planning rewards starting early — the more of the year that remains, the more of these levers are still open. Build the review into your client cadence rather than leaving it to the EOFY rush.
Authoritative sources
This article is general information for registered practitioners, not personal tax advice. Advisory Stack is a technology platform used by registered tax agents; the registered practitioner remains the adviser of record and is responsible for verifying any output before relying on it.
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