Tax Accountant in Castle Hill: Tax Planning for Professionals, High Earners and Pre-Retirees
SAQCH Partners helps Castle Hill professionals, high-income earners and people approaching retirement reduce tax legally: deductible and catch-up super contributions, Division 293, salary packaging, downsizer contributions and tax-effective retirement planning, alongside accurate personal, company and trust returns. We are a CPA-led registered tax agent serving The Hills from Parramatta Square.
- Who it's for
- Professionals, executives, business owners, high earners and pre-retirees
- What we do
- Tax planning, super contribution strategy, Division 293, retirement tax, and tax returns
- Where
- Castle Hill, Cherrybrook, West Pennant Hills, Kellyville, Rouse Hill, Bella Vista, Norwest and Baulkham Hills
- Credentials
- CPA, CA ANZ and ACCA registered advisors, Platinum Xero certified, 5.0 Google rating, 30+ years' combined experience
Reviewed by Saqib Chuhdhary, CPA and Xero Certified Advisor · Updated October 2026
"I Earn Well but Lose a Big Share to Tax."
Most high earners have options they haven't used. We review super contributions, salary packaging and deductions before 30 June, while they can still make a difference.
"Retirement Is Ten Years Away and I Have No Tax Plan."
The decade before retirement is when tax planning matters most. We map contributions, timing and structures so more of your savings reach retirement.
Castle Hill Tax Planning Questions
How much does a tax accountant cost in Castle Hill?
A personal return is priced separately from a tax planning review or a household package that includes company and trust returns. SAQCH Partners agrees a fixed fee before any work starts. Fees for tax advice from a registered tax agent are generally deductible in the following year.
How can high-income earners reduce tax legally?
The main legal levers are deductible or salary-sacrificed super contributions within the caps, claiming every allowable deduction with good records, timing income and expenses around 30 June, salary packaging where your employer offers it, and holding investments in the right names or structures.
What is Division 293 tax?
Division 293 is an extra 15% tax on concessional super contributions for people whose income plus those contributions exceed $250,000. It brings the total tax on those contributions to 30%, which is still usually lower than the top marginal rate. The ATO issues a separate notice for it.
Can I make catch-up super contributions?
Yes, if your total super balance was under $500,000 at the previous 30 June. You can use unused concessional cap from up to five earlier years, which can allow a much larger deductible contribution in a high-income year or the year you sell an asset.
Can I meet a tax accountant near Castle Hill?
Yes. We work with Hills District clients online and by phone, and in person at our Parramatta Square office, about 25 minutes from Castle Hill.
A tax planning review makes sense if you…
- Earn over $135,000 and haven't reviewed your super contributions.
- Received a Division 293 notice from the ATO.
- Are planning to retire, sell the family home or downsize.
- Have unused super cap from previous years.
The best time to plan is before 30 June. Book a tax planning review.
Why Castle Hill Clients Choose Tax Planning, Not Just Tax Returns
Because at higher incomes, planning saves far more than lodging. Many Castle Hill and Hills District households include professionals, executives and business owners on the top tax rates, often with significant super balances and retirement on the horizon. The biggest legal savings come from super contribution strategy, the timing of income and deductions, and getting the retirement transition right.
We provide tax advice. Where you need advice on choosing a super fund or investment product, we work alongside your licensed financial adviser. Our tax agent registration can be checked on the Tax Practitioners Board register.
How much tax does a deductible super contribution save?
Tax saving = contribution × (your marginal rate + Medicare levy − 15% contributions tax)
Example: someone on the 37% rate plus 2% Medicare levy who makes a $20,000 deductible contribution saves 39% − 15% = 24%, or $4,800 in tax, and the full amount stays invested for retirement. The contribution must fit within their concessional cap.
Castle Hill Tax Services
- ✓ Pre-30 June tax planning reviews
- ✓ Deductible and catch-up super contributions
- ✓ Division 293 and high-income tax
- ✓ Salary packaging and executive remuneration tax
- ✓ Retirement and downsizer tax planning
- ✓ Personal, company and trust returns
Our Castle Hill Tax Planning Process
A plan for this year, and the years before retirement
Income Snapshot
Salary, bonuses, investments, business income and super balances
Contribution Room
Concessional caps, carry-forward amounts and Division 293 exposure
Plan Before 30 June
A written plan with actions, amounts and deadlines
Lodge and Repeat
Return lodged, then the plan updated each year to retirement
Tax Planning Services in Castle Hill
High Earners
- Super: Salary sacrifice or personal deductible contributions.
- Division 293: Extra contributions tax explained and planned for.
- Packaging: Salary packaging and bonus timing reviewed.
Pre-Retirees
- Catch-up: Unused concessional cap from earlier years.
- Downsizing: Downsizer contributions after selling the home.
- Transition: Tax on moving into retirement income.
Business Owners
- Returns: Company, trust and personal returns together.
- Pay mix: Salary, dividends and super from your company.
- Exit: Tax planning ahead of selling or retiring from the business.
Tax Planning Gaps We Close
| The gap | Our action | The outcome |
|---|---|---|
| "Unused super cap is expiring." | Calculate carry-forward room and contribute in time | A larger deduction this year |
| "I forgot the notice of intent." | Lodge it before the return so the contribution is deductible | The deduction claimed correctly |
| "Tax planning happens after 30 June." | Move the review to May each year | Decisions made while they still count |
Super Contribution Rules at a Glance
| Rule | How it works | Why it matters |
|---|---|---|
| Concessional cap | $30,000 a year in 2025–26, including employer super | Sets how much you can contribute at 15% tax |
| Carry-forward | Unused cap from up to five previous years if your total super balance was under $500,000 | Allows a large catch-up deduction |
| Division 293 | Extra 15% tax on contributions if income plus contributions exceed $250,000 | Changes the value of extra contributions |
| Downsizer | Up to $300,000 each from selling your home, from age 55 | Moves home sale proceeds into super |
Related services: Tax Accountant in Sydney | Virtual CFO Castle Hill | Capital Gains Tax Planning
Choose Your Castle Hill Tax Service
Annual Tax Planning Review
- When: May or early June each year.
- Includes: Contribution room, deductions and a written action plan.
- Fee: Fixed fee.
Retirement Tax Plan
- When: Five to ten years before retiring.
- Includes: Contribution strategy, downsizer timing and the tax on retirement income.
- Fee: One-off fixed fee.
Household Package
- When: Every year.
- Includes: Both partners' returns, planning review and company or trust returns.
- Fee: One annual fee.
What Clients Say About SAQCH Partners
Feedback from clients on our Google Business Profile, covering tax returns, family tax and CFO support.
“SaqCh Partners are doing my family tax return now for 5 yrs and every year I’ve been provided with exceptional, timely, effective and professional service. Saqib takes time out to hold a detailed conversation with you in order to better …”
“Had a great experience with Saqch Partners, it was my first time to file returns in Australia and Saqib guided me really well on all aspects of tax in Australia and the entire process was very smooth. He handled the returns filing and all I …”
“I found the best accountant in Sydney after years of searching for one 🙂 very professional team, paying attention to details. Highly recommend them to all my family and friends :)”
“I’ve had a great experience with SaqCh+Partners. The team is professional, knowledgeable, and always quick to respond to my questions. They explained everything clearly, made the whole process stress-free, and ensured I got the best …”
“SaqCh+Partners were recommended to me for my financial situation by a friend. They have been excellent in all aspects of finance and professionalism. I would highly recommend them for all your financial needs.”
“We got CFO services from SAQCH Partners, and the experience was truly results-oriented. Their team quickly understood our business model, identified financial gaps, and implemented clear strategies that delivered measurable improvements.”
Read every review on our Google Business Profile.
Official Super and Tax Sources
The ATO pages behind the contribution rules on this page.
ATO Concessional Contributions
ato.gov.au — concessional contributions cap
Annual cap and carry-forward rules.
ATO Division 293
ato.gov.au — Division 293 tax
Extra contributions tax for high-income earners.
ATO Downsizer Contributions
ato.gov.au — downsizer contributions
Eligibility and limits for home sale proceeds.
ATO Individual Tax Rates
ato.gov.au — tax rates for residents
Current marginal tax rates.
Tax Practitioners Board Register
tpb.gov.au — public register
Confirm a tax or BAS agent is registered.
Moneysmart Retirement
moneysmart.gov.au — retirement income
Government guidance on planning retirement income.
Tax Accountant in Castle Hill FAQs
Answers on salary sacrifice, notices of intent, spouse contributions, Division 293, downsizer contributions, retirement income tax and choosing an adviser.
12 questions
Tax Accountants Near Castle Hill
Visit the Tax Accountant Sydney hub or a nearby suburb page.
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