Financial Planners in Adelaide Who Work With Your Tax Accountant
Retirement, super, SMSF and investment advice from experienced financial advisers who work alongside your tax accountant. Every recommendation is checked against your tax position before you act on it.
Why Your Financial Planner and Tax Accountant Should Work Together
Your accountant sees your income, deductions and capital gains, but not your super strategy. Your financial planner sees your super and investments, but not your tax return. When the two never speak, you get salary sacrifice that pushes you past the cap, property sold in the wrong year and super withdrawals that reduce your Age Pension.
At The Kalculators, our financial adviser and tax accountants work from the same file. Contribution advice is based on your real taxable income for the year. Investment advice accounts for capital gains tax before you sell. Your retirement income plan is built alongside your tax return, not after it.
Our Financial Planning Services in Adelaide
We provide personal financial advice in 6 areas, each coordinated with your accounting and tax services.
Retirement Planning
Retirement income projections, super drawdown strategy, Centrelink Age Pension eligibility and aged care fee planning, so you know what you will live on and for how long.
Superannuation Advice
Concessional contributions up to the $32,500 cap, non-concessional contributions up to $130,000, carry-forward contributions, spouse contributions and splitting, all timed against your taxable income.
SMSF Advice
Whether an SMSF suits you, the fund's investment strategy, pension phase timing and death benefit nominations. Our SMSF team handles registration, annual returns and coordination with your independent auditor.
Investment Strategy
Portfolio advice that looks at after-tax returns: which entity holds the investment, how long you hold it and what capital gains tax applies when you sell.
Personal Insurance Advice
Life, total and permanent disability (TPD), income protection and trauma cover, including whether each policy is better held inside or outside super.
Estate Planning Coordination
Binding death benefit nominations, testamentary trusts and asset ownership, coordinated with your solicitor, so more of your estate reaches your family.
What Our Clients Say (Real Adelaide Stories)
Sophia
Adelaide, Australia
We had separate accountants and financial planners for years, and they never coordinated. When we moved everything to The Kalculators, the first thing they did was find a salary-sacrifice opportunity our previous accountant had never mentioned. The annual tax saving more than covers the advice fee.
Where Separate Advice Goes Wrong
Most expensive financial planning mistakes are coordination failures, not bad investments. We see 4 of them often:
- Salary sacrifice set up without checking the year's income, so contributions exceed the $32,500 concessional cap
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- Super withdrawals timed without checking the Age Pension income and assets tests
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- Property or shares sold in a high-income year when a later sale would cost less capital gains tax
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- Life cover held in super without checking the tax a non-dependent adult child pays on the death benefit
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Each decision has an advice side and a tax side. Our advisers and accountants review both before you act.
How Much Does a Financial Advisor Cost in Adelaide?
Financial advice fees in Adelaide depend on the scope of the advice. Published fees from Adelaide advice firms fall in these ranges:
- Single-issue advice (for example, a super contribution strategy): $1,500 to $2,500
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- Comprehensive Statement of Advice: $3,300 to $6,600
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- Ongoing advice and annual reviews: $1,650 to $9,900 a year
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The Kalculators charges [from $X] for single-issue advice and [from $X] for a comprehensive plan. Your fee is agreed in writing before any advice work starts. Ongoing fee arrangements must be renewed with your written consent every 12 months, and you can end them at any time.
When Do You Need a Financial Advisor?
Not every money decision needs an adviser. These 5 situations usually do, because a mistake costs more than the advice.
You are 5 to 10 years from retirement
Contribution levels, asset allocation and the date you start a pension shape your income for the next 25 years.
You have received an inheritance
Inherited super, property and shares each carry different tax. Decisions made in the first few months are hard to reverse.
You are selling a business
or property
A large capital gain changes what you can contribute to super and how the proceeds should be invested. Advice before the sale is worth more than advice after it.
Your finances run across several structures
An investment property, an SMSF, a family trust and business income all affect each other. A change in one moves the others.
You are going through a major life change
Separation, redundancy, or the death of a partner forces major financial decisions at a difficult time. We help you slow down and make them with the full picture.
South Australia's Fastest-Growing Tax Accounting Firm
Founded by Kaleem Ulah, The Kalculators offers something that most standalone financial planning firms cannot: genuine integration between financial advice and tax accounting. When your financial advisor and your tax accountant share a complete picture of your position, the advice is better. Not marginally better. Structurally better.
IPA Practice of the Year
(SA & NT – 2025)
Xero Gold Partner
AusMumpreneur Awards
– Business Excellence
Member of the Year 2019 –
Institute of Public Accountants
Member of the Year 2025 –
Institute of Public Accountants
Tax Practitioners Board
Registered Agent
2023 Governor’s Multicultural
Awards finalists
Australian Accounting
Awards (2019, 2020)
Australian Accounting
Awards (2021, 2022)
20k+
Returns Annually20+
Tax Consultants$20M+
In Claimed Deductions3+
Office Locations
How We Work With Financial Planning Clients
From a free initial review to your annual plan update, every step is designed to give you a clear, integrated picture of your financial position. Here is how we work with Adelaide financial planning clients.
First meeting
We look at your super, investments, insurance, debt, and upcoming decisions, and tell you where advice would help and what it would cost.
Statement of Advice
If you go ahead, our adviser will prepare a Statement of Advice (SOA). It sets out the recommendations, the reasons for them, the fees and any conflicts of interest. Nothing happens until you approve it.
Implementation
We put the plan in place: contribution changes, rollovers, new investment structures or insurance applications, and coordinate with your super fund and other advisers.
Annual review
Your plan is reviewed each year alongside your tax return, so changes in income, super rules or family circumstances are picked up early.
Why Adelaide Clients Choose The Kalculators for Financial Planning
- Financial advice and tax accounting in one firm, working from one file
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- Experienced financial advisers covering super, retirement, SMSF and investment strategy
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- Registered tax agent practice, local since 2016
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- IPA Practice of the Year SA & NT 2025
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- 3 Adelaide offices (Blair Athol, Salisbury, Morphett Vale) and online meetings across South Australia
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Financial Planning Clients We Advise Across Adelaide
Pre-retirees (50 to 65) | Retirees and pension phase clients | Business owners | SMSF trustees | Young professionals building wealth | Families after a life event (keep existing card copy; replace the em dash in the Business Owners card with a colon).
Pre-Retirees (50 to 65)
The decade before retirement is the most consequential financially. We advise on super contribution maximisation, investment rebalancing, pension phase timing, and aged pension optimisation for the transition ahead.
Retirees and Pension Phase Clients
In retirement the focus shifts from building wealth to drawing it efficiently. We advise on income-efficient drawdown strategies that minimise tax on pension income and maximise the longevity of your assets.
Business Owners
Business owners access super strategies unavailable to employees personal deductible contributions, catch-up caps, and small business CGT concessions. We integrate business advisory, tax planning, and financial advice.
SMSF Trustees
SMSF trustees need financial planning, investment strategy, compliance management, and annual audit coordinated as one engagement. We handle both the compliance side and the investment and retirement planning side.
Young Professionals Building Wealth
Good financial decisions made at 30 compound significantly more than the same decisions made at 50. We advise young professionals on super strategy, investment structure, insurance, and debt management early.
Families Navigating a Life Event
Inheritance, divorce, redundancy, or the death of a partner all create financial complexity that benefits from coordinated advice. We help Adelaide families make sound decisions at the moments that matter most.
Trusted by Thousands Across South Australia
Our Branch Locations
Salisbury Branch
salisbury@thekalculators.com.au
182 Salisbury Highway, Salisbury, SA 5108
Blair Athol Branch
info@thekalculators.com.au
315 Prospect Road, Blair Athol, SA 5084
Morphett Vale Branch
info@thekalculators.com.au
280 Main South Road, Morphett Vale, SA 5162
Murray Bridge
info@thekalculators.com.au
(08) 7480 2593
Woodville
info@thekalculators.com.au
(08) 7480 2593
Melrose Park
info@thekalculators.com.au
(08) 7480 2593
Port Augusta
info@thekalculators.com.au
(08) 7480 2593
Prospect
info@thekalculators.com.au
(08) 7480 2593
Brighton
info@thekalculators.com.au
(08) 7480 2593
Frequently Asked Questions
Talk to a Financial Planner in Adelaide
Approaching retirement, selling a business or tired of your accountant and planner working in isolation? Book a meeting at Blair Athol, Salisbury or Morphett Vale, or online. Open Monday to Friday, 9:00 am to 6:00 pm.
Contact our team today for a no-obligation consultation.
