Inside the WealthVantage Engine
Forecasting is more than 'Income - Expenses'. Our deterministic engine processes thousands of data points and Australian tax rules to model your reality.
The AMIT "Accountant's Secret"
Most trackers ignore AMIT (Attributed Managed Investment Trust) cost base adjustments. WealthVantage performs an automated "Cost Base Walk." When delayed annual tax statements arrive, simply input the adjustments, select the correct "Applies to Tax Year," and rerun your forecast. The engine instantly recalculates your true acquisition costs to ensure you never pay more CGT than legally required.
Section 95 Loss Soaking
For Trusts and Companies, we implement a professional Section 95 waterfall. The engine automatically "soaks" carried-forward revenue losses against current-year ordinary income and rental profits before any distribution occurs.
Advanced Factors We Consider
Medicare Levy & Surcharge (MLS)
We don't use a flat 2%. Our calculator derives specific thresholds for single and family contexts, including child-dependent increases and health cover exemptions.
SAPTO & LITO Eligibility
The Seniors and Pensioners Tax Offset (SAPTO) and Low Income Tax Offset (LITO) are dynamically calculated based on your modeled age and income tiers.
SMSF Temporal Pension Disregard
For SMSFs, we implement Section 118-320 logic, automatically disregarding capital losses that occur while a member is in the pension phase.
Multi-Entity Distribution Logic
Model the flow of income from a Discretionary Trust into a Corporate Beneficiary or Individual participants, with the engine handling the flat-tax vs marginal-rate calculations.
Important: WealthVantage is a mathematical modeling tool. While our engine is deterministic and based on latest tax rules, it should not be taken as professional financial or tax advice. Always confirm your strategy with a qualified accountant.