Right structure. Less tax. A business that protects your family.
Affinity Services is the Buderim practice of Peter Smith FCA — chartered accountant, registered tax agent, company auditor and business mentor, with forty-five years advising Sunshine Coast business owners and families on tax, structuring and superannuation.
FCA ANZ · Registered Tax Agent
Trained at the top. Practising on your doorstep.
Peter Smith trained at a corporate level — audit with Price Waterhouse, taxation with Ernst & Young, then audit, tax and business services with Thomas Davis Elliott. He went on to spend fourteen years as Tax Practice Director at Centenary Financial Group before founding Affinity Services on the Sunshine Coast.
That experience spans retail, finance, insurance, auto sales, pipe and construction — from family businesses through to enterprises turning over up to $50 million, and high net worth individuals here and overseas. Big-firm rigour, delivered in plain English across a table in Buderim.
- Fellow, Chartered Accountants ANZ (no. 22692)
- Registered Tax Agent
- ASIC Registered Company Auditor (6141)
- Justice of the Peace, Qld (no. 4462)
- Former Authorised Financial Planner (RG146)
- Cloud accounting: Xero, MYOB, Reckon, QuickBooks
Peter restructured the business, moved our premises into the super fund and cut our tax bill in the same year. Twenty years on he still picks up the phone himself. You couldn't ask for a better accountant on the Coast.
People, strategies and systems — under one roof.
From compliance and audit through to structuring, super and succession — the same trusted hands, every step of the way.
Tax Planning & Compliance
Registered tax agent work for individuals, partnerships, trusts, companies and SMSFs — plus planning that legally reduces your rate and defers what you pay.
Business Mentoring & Advisory
BAS, cash flow, forecasting, budgeting and problem-solving for established businesses — including restructuring, disaster management and grant applications.
Structuring & Asset Protection
Choosing between sole trader, unit trust, family trust and company — so trading risk sits away from the family's assets, not on top of them.
Self-Managed Super (SMSF)
Establishment, investment strategy and administration of family super funds — including business premises, bare trusts and limited recourse borrowing.
Audit & Corporate Reporting
ASIC registered company auditor — external audits for companies, associations and trust accounts, and reporting under Australian Accounting and Auditing Standards.
Wealth & Succession
Wealth creation, investment and retirement strategy for business owners and high net worth families — in Australia and internationally.
Three pillars to wealth and tax savings.
Most business owners run everything through one entity — and pay for it in tax and exposure. Peter's approach separates the trading business, the family's investments and preserved super, so each does the job it's best at.
Company
- Revenue from multiple streams at the 25% company tax rate
- Fixed owner salaries for living costs, kept under personal rates
- Deductible super contributions up to $30,000 each
- Rents its premises from the SMSF
- Recognised entity for government grants
Family Trust
- Discretionary distributions to family, adult students and companies
- Income from rents, dividends, vehicles and third-party funds
- Best owner of business shares, vehicles and personal property
- Never trades — so family assets stay clear of business risk
Self-Managed Super
- May own the business premises and third-party shares or property
- Residential property held via a bare trust
- Assets grow inside at 15%, exempt once a member retires
- $30,000 deductible and $120,000 non-deductible contributions pa
Rates and thresholds shown are current general information only and change with legislation. Which structure suits you depends on your circumstances — let's talk it through before anything is set up.
A simple, unhurried process.
- 01
Understand the people
Who's involved, what you're building, and where the risk and the tax are actually sitting today. No forms, no upsell.
- 02
Set the strategy
A plain-English plan: the right structures, the tax position, the super, and what it will cost. Nothing gets set up before you understand it.
- 03
Put the systems in
Cloud accounting, reporting, BAS and lodgement rhythms that run quietly — with one phone call to someone who already knows your story.
Let's have a coffee and a chat.
The first conversation is always free — whether it's a tax question, a restructure, or your super fund. Give Peter a call, send a note, or write to the Buderim office.