The owners of A4Companies Pty. Limited have been involved in company and trust formations since mid 1978, when we commenced providing additional services to new and existing clients. Prior to this we had been involved in the business of providing consultancy in insurance, finance and business planning. We were the forerunners of the modern financial planner but with an important difference because;

• we have generally provided advice on an hourly fee basis,

• we have always informed clients of all structure options for direct investments selected by the client, not managed investment products,

• and unlike financial planners we have alwyas paid close attention to the structuring benefits of a clients investments or business activities.

This is why the A4Companies slogan:

"A4Companies deliver a Financial Tool, not just a bunch of paper"

differentiates us from other shelf company providers. Our documents are not written simply to fit the law, but to include features which allow clients to follow additional strategies that give them extra business and tax advantages.

Below are some examples in relation to our SMSF, company and trust documents, including Self Managed Superannuation Funds are:

• We have a long history (1978) in self managed superanuation fund (SMSF) establishment and our superannuation deeds include specific measures to deal with a variety of pensions and lump sum benefits. Our deeds also have unique clauses to provide members with specialised life insurance benefits in relation to Section 48A of the Insurance Contracts Act and Income Tax Ruling 2434.

• Our Discretionary and Unit Trusts are settled in Queensland where they currently attract no stamp duty, this saves clients the $200.00 payable in New South Wales

• We were the first to develop the inclusion of a default company loan agreement in our standard company Constitution. This refers to the operation of Div. 7A of the Income Tax Assessments Act 1936 in relation to loans made by a company to a shareholder. In this document feature we led the other company suppliers for over 12 months.

• Our company Constitutions have provisions to allow our Directors discretion as to whether they sign particular documents under Common Seal or simply under Director/s signatures in accordance with S127 of the Corporations Act.

• All our trust deeds allow for investments to be held in the name of a Nominee for the Trustee.

• Our Unit Trusts are "split trusts", that is they include 4 classes of units when delivered, to enable ordinary trust income, capital growth and franked dividends to be streamed to suit the taxation requirements of particular clients.

"A4Companies deliver a Financial Tool, not just a bunch of paper"

(See our A4Companies Super Fund Gearing Checklist)

32 years of experience honing our skills and problem solving approach will provide you with a superlative tailored outcome.