Professional Compliance & Engine Specs

Trust distributions require meticulous handling of different income characterisations. Our engine performs a precise waterfall calculation to manage net income under Section 95 of the ITAA 1936.

• Revenue Loss Soaking: The engine automatically offsets revenue losses against the correct income categories before applying capital losses.
• Discountable CGT Routing: Ensures capital gains are streamed to the most tax-effective beneficiaries, avoiding corporate gross-up penalties.
• Multi-Tier Entity Reconciliation: Seamlessly process distributions from a Trust to a Corporate Beneficiary, updating the receiving entity's ledger in real-time.

Capital Gains Tax requires an unbroken historical record. WealthVantage maintains immutable ledgers for every asset, automatically recalculating cost bases as new distribution data is added.

• Automated AMIT Cost-Base Walks: Input fund distribution statements and let the engine adjust the underlying cost base, eliminating double-taxation errors upon disposal.
• ATO Barter-Compliant Asset Swaps (Crypto-to-Crypto): Natively orchestrates direct asset-for-asset swaps (e.g., USDT to BTC or ETH to SOL) as simultaneous dual-leg transactions—automatically calculating AUD disposal proceeds on Leg 1 while establishing the new AUD cost base and capitalising incidental network fees on Leg 2.
• 2027 Indexation & 30% Floor: Fully programmed with the new asset indexation reforms. The engine explicitly outputs side-by-side comparisons of legacy discount vs. hybrid calculation methods.
• Temporal Precision: All dates in the system are governed by immutable, centralised Unix timestamping. This guarantees absolute temporal accuracy, eliminating timezone drift around critical June 30 / July 1 EOFY boundaries.

A family group is a single financial ecosystem. The WealthVantage engine unifies Individuals, Joint Accounts, Trusts, Companies, and SMSFs into a cohesive modelling environment.

An accurate tax forecast requires calculating the entire statutory waterfall, including offsets, surcharges, and superannuation complexities that standard calculators ignore.

• Division 296 (SMSFs): Forecast the impact of the impending tax on superannuation balances exceeding $3M, including the complex calculations for taxing unrealised gains within the fund.
• SAPTO & MLS Tiering: The engine dynamically calculates the Seniors and Pensioners Tax Offset (SAPTO) and accurately applies Medicare Levy Surcharge (MLS) tiers based on aggregated family income.
• Imputation System & Loss Carry-Forwards: Native handling of franking credits across different entity types, alongside automated tracking and application of carry-forward capital and revenue losses.

Tax optimisation does not happen in a vacuum—it begins when an asset becomes statistically mispriced. WealthVantage pairs its deterministic tax engine with a 200-day quantitative telemetry and watchlist layer across global equities, ETFs, and digital assets.

• 60-Day Z-Score & Sigma Channels: Computes rolling 60-day population standard deviation ($\sigma$) bands to plot objective -1.5σ Value Buy Zones, -2.5σ Max Value Zones, and +2.0σ Trim Targets directly over historical closing prices.
• 200-Day Mayer Multiple & Wilder's RSI-14: Evaluates long-term macro extension by dividing spot price by the 200-day simple moving average alongside 14-day momentum smoothing.
• Deduplicated Entity Portfolio Overlays & Scheduled AEST Briefings: Dynamically merges up to 5 custom watchlists with active portfolio holdings across all or selected tax entities (SMSF, Trust, Company, Individual), dispatching automated HTML morning briefings in Australia/Brisbane (AEST) time when actionable sigma thresholds are breached.
• Portfolio Concentration Rings: Interactive allocation rings automatically group minor holdings below a 2% materiality threshold to expose true single-asset concentration risk at the portfolio, entity, or consolidated group level.