Earning well in tech doesn’t automatically mean you’re building wealth. In fact, if no one has ever mapped out a proper tax strategy around your salary, RSUs, bonuses, and investments, there’s a real chance nearly half your income is slipping away to tax- without you even realising it.

In this episode of Wealth Bytes, Mo Shouman breaks down the strategic side of tax planning - the kind that happens before June 30, not after. From superannuation and RSUs to debt recycling and ownership structures, this episode walks through how high-income tech professionals can legally and effectively reduce tax while accelerating long-term wealth.

What You’ll Learn in This Episode:

• Why most tech professionals overpay tax despite having accountants
• How superannuation can act as your most powerful tax tool
• The carry forward rule and how it can unlock tens of thousands in savings
• How RSUs are taxed -+and the costly mistakes to avoid
• The importance of timing when managing large vesting events
• Capital gains strategies when selling shares or equity
• How debt recycling can transform your mortgage into a tax-efficient strategy
• A real client example showing over $40,000 in tax savings

Key Takeaways & Strategies:

• Tax planning is proactive: The biggest savings happen before the financial year ends

• Super is underused: Strategic contributions can significantly reduce taxable income

• RSUs require planning: Large vesting years can either hurt—or create opportunity

• Timing matters: Aligning strategies in the right financial year is critical

• Structure drives outcomes: Where you hold assets impacts how much tax you pay

• Debt can work for you: Converting non-deductible debt into deductible debt builds efficiency

• Small gaps = big money: Unused opportunities like carry forward contributions can add up fast

Connect with Mo Shouman:

Connect with me on LinkedIn: Mo Shouman

Email: mo@mywealthchoice.com.au

Visit: www.mywealthchoice.com.au

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