Product Roadmap
From basic visibility to automated tax optimisation.
Core Foundation (Complete)
Tier 1 — VisibilityLive
- Accurate Holdings: Real-time valuations for Individual entities.
- Entity Isolation: Strict data partitioning by subscriber.
- AI Assistant: Guided onboarding and UI navigation support.
- Unix-Standard: All dates stored as bigint for precise audit trails.
Tier 2 — Individual ForecastingLive
Hybrid Forecast Engine
- Actuals Integration: Realized sales are automatically synced to your forecast.
- Planned Sales: Model "What-if" outcomes for Property or Instruments.
- Tax Precision: Calculate CGT and Net Tax results per participant.
- Joint Entities: Support for Joint and Tenants in Common structures.
- AI Assistant: General platform and functionality help.
Tier 3 — Complex EntitiesLive
Extending full hybrid forecasting to sophisticated wealth vehicles.
- New Vehicles: Discretionary Trusts, Companies, and SMSFs.
- Advanced AI: Query asset totals across all tax entities (e.g. "Total Tesla holdings").
- Entity-Specific Logic: Forecasting remains restricted to 1 entity per scenario.
- Property Modeling: Advanced investment modeling for corporate/trust owners.
Tier 4 — The Smart AllocatorLive
Consolidated Wealth Optimisation
Automated Distribution Optimisation
The "Killer Feature": One-click optimal Trust distributions to minimise tax brackets across your household group.
- Consolidated Forecasting: Model multiple entities in a single unified scenario.
- Relationship Modeling: Map complex inter-entity wealth flows.
- Asset AI+: Deep-dive analytics across your entire portfolio and entity group.
Federal Budget Compliance Framework (Coming Soon)
FY 2027-28 — Capital Gains & Negative Gearing Reform1 July 2027
A profound restructuring of individual and joint investment asset taxation:
- Indexation Method Reinstated: The universal 50% CGT discount is abolished for individuals, trusts, and partnerships. Cost bases will adjust via CPI inflation tracking to isolate real gains.
- 30% CGT Floor Surcharge: Realised net capital gains calculated under indexation will face an absolute statutory minimum tax floor of 30%.
- Established Property Gearing Ringfence: Net rental losses on established residential dwellings acquired post-budget night can no longer offset salary/wage income—deductions are restricted strictly against asset group returns.
- New Residential Choice: Investors in newly constructed residential builds retain a permanent statutory election between the 50% discount or the new indexation engine.
FY 2028-29 — Discretionary Trust Minimum Tax Era1 July 2028
Elimination of multi-tenant family income-splitting loops:
- 30% Trustee Flat Tax: Trustees must calculate and settle a non-refundable 30% minimum tax directly on all distributable net family trust pools before flow allocation occurs.
- Corporate Credit Void: Distributing trust revenue to a private company ("Bucket Company") results in severe double-tax penalties. Corporate beneficiaries are strictly barred from claiming trustee-paid credits.
- Restructuring Windows: Incorporates a 3-year legislative safe-haven window starting July 2027, granting complete rollover relief to transition asset portfolios out of trusts into companies or fixed vehicles.
Architectural Standard
Every tier is built on an enterprise-grade foundation. From Immutable Audit Logs to Impersonation Protocols, we ensure that while you optimize for the future, your current data is secure and defensible.