I'm not an Accoutant so only IMO! I would look at a...

I'm not an Accoutant so only IMO!

I would look at a discretionary trust siting above a company for the ever so large family as a small business You claim the full benefits and then distribute any money before a profit is declared is the upto the trust before it is taxed on any residue profit ... Of course you get taxed at you marginal rates but I've never earnt more than $x so pay little tax.

IMO talking to a Fin Planner pays for itself pretty quickly and using an accountant saves me more money than I would otherwise pay in tax, all legal but not giving them a cent they're not due.