How Does Salary Sacrifice Work and What Are the Benefits?

NewsBy Ryan June 17, 2026

As a financial advisor, one of the most powerful yet often misunderstood tools I discuss with clients is salary sacrifice, also known as salary packaging or total remuneration packaging. It is a strategy that, when implemented correctly, allows you to legally and ethically reduce your taxable income, effectively putting more money back into your pocket…

WHAT OUR CLIENTS ARE SAYING

Peter K 3 days ago

Dan, Tracey & the team have looked after me for over a decade. I have always been so impressed with their level of support, understanding and advice. The extra mile they go to ensure we get the best result is always appreciated

...

Mario Librizzi 1 week ago

Fantastic and friendly service. Daniel is extremely professional, excellent communicator and an absolute expert in his field.
His staff are extremely capable and also willing to answer any questions when required.
Daniel listens to and fully understands our goals and expectations.
We have been loyal customers of AFP over a long period of time and look forward to many more years - well into our retirement.

Mario and Carmela Librizzi

...

Janine Mitchell 3 weeks ago

Thanks for the catch‑up, Daniel. We really appreciated the time you took and the support you gave — your clear and helpful perspective made everything much easier to work through.

...

Paul Wedd 3 weeks ago

My meeting with Daniel on Tuesday was as usual a positive experience as we discussed my current financial situation and how it would possibly reflect in the future and provide for me financial security. Also the coffee and biscuits were great, as was the discussion on our joint love of wine.

...

Ant Nolan 4 weeks ago

I would highly recommend Jack Webb. He is great to deal with; friendly, prompt and very knowledgeable. He understands your needs and sets a clear pathway to achieve your goals. Thanks Jack!

...

Trish Baker 4 weeks ago

We have been working with Approved Financial Planners since 2022, and I couldn't be happier with the service and support my husband and I have received
Our current planner Daniel Stevens always takes his time to explain and go through our circumstances, long-term goals, and risk tolerance with us. Nearing retirement is always a scary time in life but Daniel has shown us both that our future is bright and we feel very safe in his hands.
What really makes them stand out for us is their approach to helping us navigate and understand the portal which has everything we need to know and follow in one location and whenever I have questions, nothing is too much trouble to explain.
Because of their dedication and expertise, I now have complete peace of mind knowing my financial future is in safe and highly capable hands. I highly recommend Daniel Stevens and his team to anyone looking for a genuine, highly professional, and strategic financial planner.
Trish and Phil Baker

...

Ann Taylor 1 month ago

Just had our annual review with Daniel Stevens at Approved Financial Planners.
The guidance and support we have received from him for the past three years has been a very positive experience. Daniel listens and understands what goals we are pursuing. His professional and trustworthy financial advice is very much appreciated along with his warm personality - we feel like we are visiting a trusted long term friend when we meet up. We would highly recommend Daniel and the Team at Approved Financial Planners to anyone looking for trustworthy and long term planning support. Ann and Bernie Taylor

...

Nigel Clarke 2 months ago

Approved Financial Planners continue to provide outstanding service.
Professional, friendly service and easy to communicate with.
Any of our questions answered in easy to understand terms.
We have been using Dan and his team for many years now and will continue to do so going forward into our retirement years which are getting closer. I would highly recommend this firm.

...

Sophie Veccia 3 months ago

We have been with Tracey for over and year and she takes great care and attention to detail looking after our current and future financial planning as well as always being friendly and easy to deal with.

...

Penny Fitzmaurice 3 months ago

We have been working with Daniel for several years, managing our finances and helping us prepare for retirement. He has provided us with excellent financial guidance, which has instilled in us the confidence and security we needed to embark on the next chapter of our lives. We look forward to our upcoming conversations, during which Sean will share all of his golf anecdotes! Penny & Sean.

...

vinod rupalia 4 months ago

Our annual review with Dan and the team was very useful and considered in terms of the objective of financial planning. Allowing us to understand and make important decisions. Great to catch up. Tim and Steph

...

John Twigg 4 months ago

I started seeking financial advice about 10 years ago. Been through a couple of companies in that time, and AFP is the latest iteration. The previous companies were not bad, but they morphed or changed & like anyone I want a little stability. AFP have given me that stability, even if individual advisors have moved on! Tracey is my latest advisor & I could not be more comfortable. She's thorough, professional, quick with a personal anecdote to emphasise a point & not condescending about my lack of financial knowledge. Now that my retirement is looming she is taking care of all the paperwork & intricacies that go with switching to a new income stream.
What more could you ask for???

...

Eddie Parisi 4 months ago

I'm very happy with the way things are going and Tracey is very supportive and informative

...

Robert Dale 4 months ago

It was great to meet Tracey, she came across as genuine and wanting the best for my financial future with advice that made sense.

...

Julie Jackson 7 months ago

Thanks Tracey for your knowledgable advice and keeping us on the right track through our retirement. You answered our questions beautifully and put us at ease. We can confidently recommend Approved Financial Planners to our friends in the knowledge they will give honest and professional advice.

...

Alfredo Quispe 7 months ago

Tracey and Kim have been incredibly helpful from start to finish. They guided me and my wife through setting up our life insurance with the right benefits, helped tidy up a few loose ends in our overall finances, and gave us the clear information we needed to confidently move forward with a property investment. Professional, supportive, and genuinely focused on our best interests — highly recommended.

...

Ashton George 7 months ago

To Dan, PB, Christa & Cherry, you are all an amazing team, all, professional, respectful, warming , efficient and above all just people who care and go over and above for your clients. at least this is how i feel every time i meet with you all. Congratulations on your 20 year anniversary , what a beautiful milestone to celebrate this month, i'm just annoyed i cant be there to share it with you.
Best Regards
Ashton

...

Bruce Blee 11 months ago

Thanks once again Tracy for providing me with options and information relevant to my portfolio .

...

Paul Wedd 12 months ago

My meeting with Daniel was very positive as we discussed a range of issues in relation to my superannuation and my financial and personal health which were pertinent to me. Also looked at what if cash flow scenarios in regard to bookkeeping opportunities and creating a new super fund if matters come to pass. Also the coffee and biscuits were great.

...

Nicky T 1 year ago

Dan genuinely cares about my personal circumstances and supports my finacial goals as an individual with specific needs.

...

Financial Planning & Advice Perth

Our Financial Advisers have over 40 years of combined experience
making us one of the most experienced teams in Perth.

Call Us Today (08) 6462 0888

OUR SERVICES

June 17, 2026

How Does Salary Sacrifice Work and What Are the Benefits?

WHAT OUR CLIENTS ARE SAYING

Financial Planning & Advice Perth

Our Financial Advisers have over 40 years of combined experience making us one of the most experienced teams in Perth.

Call Us Today (08) 6462 0888

Our Financial Advisers have over 40 years of combined experience
making us one of the most experienced teams in Perth.