From superto leaving Australia:one sourced review,under your name.

Each super or SMSF account is set to accumulation or retirement phase. In accumulation, income is taxed at 15% and gains on assets held 12 months or more at 10%; in retirement phase both are exempt. US dividends bear the 15% treaty rate in either phase, because the Australia–US treaty has no pension exemption: in accumulation the fund can offset it against its own tax, in retirement phase it is a final cost. A super fund option in a retail or industry fund is valued from units and unit price, which are already net of fund tax and investment fees, and its PDS fees are shown in costs and charges, never deducted a second time. Division 296 and funds with both phases are not modelled; a firm can set its own blended rate.

From the franked share and the company tax rate (30%, or 25% for a base rate entity) you enter for each holding from the dividend statement or the fund’s tax statement: no free source publishes them, so they are never inferred. The credit is the dividend × franked share × rate ÷ (1 − rate), grossed up into taxable income and offset at the client’s rate or the super fund’s; an excess is refunded, so in retirement phase the whole credit shows as a refund. The 45-day holding rule is assumed to be met. For a client who is not resident in Australia the franking is recorded but given no value.

For each US-domiciled fund the review shows the US withholding at the 15% treaty rate, or 30% without a W-8BEN on file, and what an Irish-domiciled fund would change in dividends kept after all tax. Australia credits US withholding against the client’s own tax, while an Irish fund loses 15% inside the fund with no credit at home, so the switch can leave the client with less, and the review says so. That comparison needs the client’s marginal rate on the profile: there is no Australian default rate. A missing W-8BEN is shown before any switch, and one about to lapse before it does.

Interactive Brokers Flex exports are read directly, and an IBKR account can also be synced daily. CommSec, SelfWealth, Stake, Vanguard Australia, HUB24 and Netwealth statements go through the extraction model. Either way every position and transaction is shown for review, and nothing reaches the client’s holdings until you confirm it. A client can send statements through a secure upload link without opening an account.

Arriving: assets other than taxable Australian property are taken to be acquired at market value on the day the client became resident, unless they came as a temporary resident. You enter each holding’s value on arrival, converted at that day’s exchange rate; without an entry the cost reads “value on arrival”, never a guess. Leaving: the deemed disposal of the taxable accounts at today’s values, parcels taken first in, first out, the 50% discount applied to each parcel held at least 12 months and super left out, with the choice to disregard the gains instead. The tax itself is not computed: it depends on the client’s marginal rate.

The Founding Adviser plan comes with a 30-day trial and no card: open a workspace yourself, and pay 99 USD a month when the trial ends. That price is open to the first 25 firms and held for their first 12 monthly payments, or for the first year on annual billing at 999 USD. Advisor, Practice and White Label have no trial and start with the first payment. Or tell us about your firm using the form below and we reply personally within two working days to help set it up.

Add active clients in packs of 25 for $29 a month each, on the Founding Adviser, Advisor and Practice plans. Add them from Settings, Plan and usage, once your plan is active: each pack is its own small subscription at exactly $29 a month ($290 a year on annual billing), so a second pack costs the same as the first. Cancel a pack at any time, and cancelling your plan stops its packs too; clients above the new limit stay readable, but no further client can be added or restored until you are within it. Packs stop counting if the subscription lapses. Households do not use extra places: each person is one client, and trusts, SMSFs and joint accounts are accounts of a member.