A qualified accountant and tax planner is what you need. Pay him/her by the hour. Its expensive, don't quible get the best. Its worth every cent especially if you get a decent one who will explain everything to you. You need to do this every 2 years or so because the bastards in Canberra keep changing the rules. Having read the previous posts, its a great idea to see a different one every time so that you get some QA.
Financial planners are charlatans, you may as well hang out at the pub on a Saturday afternoon and seek random advice. In fact that will probably be a better outcome, the advice you get will be useless, but at it will at least be unbiased, useless advice and with no hidden agendas. Something you can never say with FPs apart from their advice being equally useless.
