In their defense, they are paid to encourage you on exactly how to reduce your tax obligations, not ACC levies - basically, they are not ACC experts. Reducing ACC levies for freelance has actually been one of the most fascinating subject for us, we've done considerable research on exactly how we can structure the most effective ACC item while minimising the cost. Working together we have saved and obtained a refund for numerous clients that never recognized that they weren't standing for the app...