Signs It’s Time to Get a Second Opinion on Your Taxes

At Certum Advisory, we often meet new clients who thought their tax affairs were in order until we showed them how much they’d been overpaying.

Tax law is complex and constantly changing. Even the most diligent accountants can overlook strategies that could save you thousands. That’s why getting a second opinion isn’t about mistrust. it’s about making sure your financial strategy is working as hard as you are.

Here are 7 signs it might be time to take a fresh look at your tax position

1. You’re Paying More Tax Than You Should

If your tax bill feels higher than expected, or your refund has dropped without clear explanation, something may be missing.
A Certum Advisory second opinion can identify whether:

• You’ve missed eligible deductions
• Your business structure is inefficient
• Or your income and expenses haven’t been optimally timed

You deserve a clear, accurate picture and a plan to minimise your tax legally.

2. You Only Hear from Your Accountant Once a Year

If your accountant only contacts you at tax time, they’re focused on compliance, not strategy.
At Certum Advisory, we work proactively — helping clients:

• Plan expenses and super contributions before 30 June
• Maximise year-end tax positions
• Forecast future tax liabilities

A proactive approach means fewer surprises and more savings.

3. You Don’t Fully Understand Your Numbers

If your accountant’s explanations feel rushed or confusing, you’re not alone.
We believe financial advice should be clear, transparent, and empowering.
Our second opinion service breaks down your position so you know exactly what’s happening , and why.

4. Your Business Has Outgrown Its Tax Strategy

As your revenue increases, your old tax strategy may no longer serve you.
Our specialists assess whether it’s time to:

• Restructure your business
• Introduce a trust or company setup
• Rebalance how income and assets are distributed

The right structure can help protect your assets and legally reduce your overall tax bill.

5. You Haven’t Reviewed Your Structure in Years

Many small businesses keep the same setup for too long. What worked when you started may now be holding you back.
We’ll review your:

• Entity structure
• Distribution strategy
• Super and investment contributions

to make sure every part of your business is working efficiently for tax, growth, and asset protection.

6. You’re Constantly Playing Catch-Up with the ATO

If BAS payments, tax debts, or ATO plans feel like an endless cycle, you may need a smarter approach.
Certum Advisory can help you:

• Renegotiate ATO payment plans
• Reassess how income and cash flow are managed
• Identify opportunities to reduce or offset your liabilities

A few strategic changes can dramatically improve your cash flow and your peace of mind.

7. You Want Confidence, Not Guesswork

Sometimes, you just want reassurance that everything is on track.
A Certum Advisory Second Opinion Review provides a thorough, independent check of your financial position, identifying missed opportunities and confirming what’s working well.

With tax, confidence is everything — and a second opinion is your safety net.

Final Thought

Getting a second opinion isn’t about replacing your accountant . It’s about protecting your wealth and making smarter financial decisions.

At Certum Advisory, we help individuals and business owners uncover hidden savings, strengthen their financial structures, and stay ahead of every tax opportunity.

Don’t leave your money on the table.
Contact Certum Advisory today and find out what your accountant might be missing.