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Built for the Australian Tax system

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Helping you make smarter money moves. We provide the tools you need to level up your finances.

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Financial Strategy Plan showing optimised wealth for Australians

Personalised strategies in less than 2 minutes

First Home Super Saver Scheme FHSSS strategy for building a house deposit within superannuation
Superannuation carry-forward rules for catch-up contributions ATO
Intermediate tax strategy for negatively geared property income splitting to save up to $6,000
Main residence 6-year rule tax exemption for renting out a former home tax-free
Bucket company tax structure for high-income wealth management ATO
How to avoid Medicare Levy Surcharge with private health insurance ATO
Small business 15-year CGT exemption for tax-free business exits ATO
Tax deduction strategy for prepaying 12 months of expenses ATO
Tax loss harvesting investment strategy to strategically sell underperforming assets for tax offsets
Discretionary trust distribution strategy for family tax planning ATO

Use these and more to create your customised strategy.

Our Guarantee

We’ll prove that you’re overpaying the ATO by at least $5,000 this year
—or we’ll refund your subscription in full and give you 12 months of Luma access for free!

Product

How it works

Simple. Personalised. Effective.

Financial profile input: $105,000 annual income, long-term wealth goal, and couple status
Personalised financial strategy plan phase 1: Medicare Levy avoidance and super salary sacrifice
Wealth optimisation tracker showing $8,540 in annual tax savings and 60% implementation progress

Key questions to ask

Case Study

Sarah & James built $327,000 in additional wealth

Sarah (35) and James (37), both Melbourne-based professionals earning $105,000 annually, were comfortable financially but wanted to maximise their wealth growth. They had $60,000 in savings sitting in a high-interest account and were contributing the minimum to their super through employer contributions only.

Wealth foundation timeline: super salary sacrifice and maternity income splitting
Growth phase roadmap: tax-free home purchase and income splitting

Smart Strategy: 1

Immediate Tax Savings: By contributing additional funds into their superannuation, Sarah and James saved $5,250 in immediate tax savings which would otherwise have been paid to the ATO.

Smart Strategy: 2

Maternity Leave Planning: When Sarah’s income dropped during maternity leave, they utilised her lower tax bracket to sell investment shares they accumulated over the previous few years. By "income splitting"—moving investment earnings or selling shares with capital gains under her name(instead of James’)—they paid significantly less tax than if James had earned that same income. This optimised their situation to save $3,200 per year.

Example: Sarah invested $40,000 in shares and decides to sell them during her maternity leave. The shares have grown to a value of $55,000. For tax purposes, she sold the shares, creating a $15,000 capital gain. After considering a 50% Capital Gains Tax discount for holding the asset for over a year, her tax payable on the shares was minimal.
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If Sarah decides to purchase new shares, her “New” cost base is $55,000.
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In the long-term, if Sarah goes back to her $105,000 job and sell her shares five years later for $80,000, she only needs to pay tax on the growth from $55k to $80k.​​

Learn more about the strategies James and Sarah used in the learning centre.

Annual Income:
Financial profile selector: annual income between $70,000 to $90,000 for individual tax planning
Financial ROI dashboard showing $375 monthly savings, $4,500 annual savings, and a 23x return on investment

We show you how to prioritise growth through ETFs, strategically use life changes like maternity leave to lower your tax, and eventually move your wealth into family trusts for ultimate protection.​

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Whether you’re starting with your first $40k or you’re ready to scale via debt recycling and investment properties, our platform ensures you’re always playing the financial game at the highest level.​

Financial Empowerment for All

Frequently asked questions

Disclaimer and Important information:
The information provided by this platform is for illustrative and educational purposes only and does not constitute personal financial, investment, legal, or tax advice. This platform serves as a diagnostic tool and calculator intended to help users visualise hypothetical strategies; it does not take into account your specific objectives, financial situation, or needs. All calculations are based on user inputs and hypothetical assumptions; actual results may vary significantly based on market conditions, legislative changes, and individual circumstances. Past performance is not a reliable indicator of future performance. Luma Financial Australia makes no representations or warranties, express or implied, regarding the accuracy, completeness, or reliability of the data or projections provided. You should seek independent advice from a qualified professional before making any financial decisions. By using this tool, you acknowledge that any reliance on this information is at your own risk, and Luma Financial Australia shall not be held liable for any loss or damage (including indirect or consequential loss) arising from the use of, or reliance on, this platform.

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