Written plainly,
by people who do the work
No filler and no scare campaigns. Practical notes on the things clients actually ask us about.
Recent articles
CGT and negative gearing reform: what 1 July 2027 means
CA ANZ has asked the government to delay the 2027 start date and simplify the apportionment formula. Here is what the draft rules would mean for your assets.
Read article →Do you have lost or unclaimed Superannuation?
Changing jobs, moving house, or changing your name can all cause super to go missing. Checking is free and takes just minutes.
Read article →Can Your SMSF Buy Your Business Premises?
Can your SMSF buy your business premises? Yes, but only if the property qualifies as business real property, the lease is on commercial arm's-length…
Read article →Offset Account vs Redraw vs Paying Down a Loan: What's better for an Investment Property?
If you own an investment property, should you pay down the loan, put the money into redraw, or keep it in an offset account? From a banking…
Read article →What to bring to your tax appointment
The documents that turn a 90-minute appointment into a 30-minute one, and the ones people most often forget.
Read article →How much cash should a business actually keep in reserve?
There is no universal number, but there is a way to work out yours — and most owners are anchoring on the wrong figure.
Read article →Sole trader, company or trust: how the choice actually gets made
Structure decisions get framed as a tax question. Tax is only one of four things that matter, and rarely the one that decides it.
Read article →Salary packaging and super: where the real take-home gains are
Packaging is often sold as a way to pay less tax. It sometimes is. The gains are narrower and more conditional than the pitch suggests.
Read article →SMSF and property: the questions to answer before you start
Buying property inside super is legitimate and common. It is also the area where funds most often get into trouble.
Read article →Selling land: the tax questions to settle before you sign
Whether a land sale is a capital gain or ordinary income is decided by what you were doing, not by what you call it.
Read article →Retirement Roadblocks for Older Business Owners
Find out how older business owners can prepare for good exit outcomes and why the next generation can find opportunity in the transition.
Read article →How to Structure a Business Post Budget 2026
Learn how to structure your business after the 2026 Federal Budget. Explore trusts, holding companies, asset protection and succession planning…
Read article →Farmland vs Industrial vs Residential Property: What 20 Years of Data Reveals
Farmland and industrial property have outperformed residential over the past 20 years, but why? Explore the data, trends, and tax insights shaping…
Read article →Legacy Pension Changes 2025-2027
What They Could Mean for Your Retirement Rules around legacy pensions are finally shifting and for many older Australians, these changes could…
Read article →Downsizer Super Contributions
Downsizer superannuation contributions allow Australians aged 55+ to boost their superannuation from part of the sale of their home. For some this…
Read article →Is Scaling Your Business the Right Move?
Explore when scaling makes sense and when staying lean is smarter.
Read article →Should You Salary Sacrifice Your Super?
Unpack the pros, cons, and updated 2025 contribution limits, so you can decide if this tax-effective strategy fits your financial goals.
Read article →Capital Gains Tax Changes: What Property Investors Need to Know Before the May 2026 Federal Budget
Capital Gains Tax changes are back in focus ahead of the May 2026 Federal Budget. Here’s what’s being proposed, how it could impact property…
Read article →NSW Land Tax Changes 2025
From 1 February 2024, you must own at least 25% of your home to qualify for the Principal Place of Residence exemption. If you fall below this, you…
Read article →Intergenerational Wealth Transfer in Australia
Australia is experiencing the largest intergenerational wealth transfer in history. This guide explains the tax risks, capital gains consequences…
Read article →Gifting Money or Assets: How to Do It Right for Tax and Wealth Planning
Thinking of gifting money or assets? Learn the tax, CGT and Centrelink rules and how to gift correctly for smart wealth planning.
Read article →Tax Tips for Content Creators
Content creators: freebies and sponsorships are taxable income. Learn the ATO rules, foreign income obligations, and key tax tips to stay compliant.
Read article →Claiming Work From Home Expenses
Working from home in 2025? You may be eligible to claim valuable tax deductions, but the ATO has changed the rules again. Here’s what you need to…
Read article →ATO Data Matching 2025: What It Means for Your Tax Return
Find out what the ATO’s 2025 Data Matching Crackdown Means for Your Tax Return. Avoid surprises at tax time with expert advice and tips.
Read article →$20,000 Instant Asset Write-Off Explained
The $20,000 Instant Asset Write-Off remains available for eligible Australian small businesses until 30 June 2026. Learn how the rules work, what…
Read article →5% First Home Buyer Deposit Scheme 2025
From October 2025, first home buyers can enter the market with just a 5% deposit. Learn the pros, cons, and long-term costs of this new scheme.
Read article →2026 Budget Tax Changes
Learn how the latest 2026 Budget changes could affect small businesses, investors and families through CGT concessions, trust exemptions and tax…
Read article →Superannuation at Age 60: What Becomes Tax-Free and What Remains Taxable
Turning 60 changes how your super is taxed but not everything becomes tax-free. Learn what withdrawals are exempt, what remains taxable, and how to…
Read article →Tax Tips for Property Investors 2025
Heading into EOFY 2025, property investors face new ATO rules, stricter deductions, and smarter data tracking. Whether you're renting out a holiday…
Read article →Australians Taxed at Record Levels
Australians are paying more tax than ever. Find out why and how to make sure you’re not overpaying and missing valuable deductions.
Read article →HECS Debt Relief 2025
1 June 2025 HECS debt relief is an opportunity to reassess your financial future. Insights for graduates, young professionals, and anyone with…
Read article →New Super Tax Changes 2026: What it means for your Superannuation & Retirement
New superannuation tax laws 2026 have been passed in Australia, introducing additional tax on super balances above $3 million while boosting support…
Read article →How to Structure an SMSF to Purchase Property Post 2026 Budget
The 2026 Federal Budget banned new residential SMSF borrowing. Discover the structures investors are now using to keep building wealth through…
Read article →Tax Returns and Deceased Estates
Understand the tax obligations that apply when someone dies, including the date of death tax return, deceased estate trust returns, and how to…
Read article →Improve Cashflow in Your Small Business
Cashflow is the lifeblood of every small business. Here are eight tried and true systems and habits to improve and keep on top of your cashflow.
Read article →5 Financial Levers for Small Business Success
We break down the 5 financial levers that actually drive profit and show you how a small shift (like pricing or efficiency) can dramatically improve…
Read article →Superannuation Strategies 2026
Superannuation remains one of Australia’s most powerful tax-effective wealth strategies in 2026. Learn how salary sacrifice, contribution…
Read article →The First Home Guarantee Scheme (HGS)
The HGS allows buyers to purchase a home with a deposit as low as 5% without the need to pay Lenders Mortgage Insurance (LMI).
Read article →Why Not Having Will is a Bad Idea
Why Not Having a Will is a Bad Idea Updated for 2026 According to the NSW Trustee & Guardian, up to 52% of Australians pass away without having a…
Read article →Federal Budget 2026 Trust Tax Changes
The proposed Federal Budget 2026 discretionary trust tax changes could affect Australian family trusts, property investors and small businesses…
Read article →Navigating the New Superannuation $3 Million Tax Cap
If you have super over the $3 Million Cap what could that mean for you?
Read article →Common superannuation mistakes and how to avoid them
Avoid common superannuation mistakes in 2026. Learn how to grow your super and plan smarter for retirement.
Read article →SMSF Borrowing Rules Have Changed
The rules around borrowing through an SMSF have changed. Learn how the 2026 ban on new residential LRBAs affects property investors, what it means…
Read article →Airbnb & Holiday Home Tax Traps
Renting out a holiday home or Airbnb? Discover the biggest tax traps Australians face, including capital gains tax, GST, deductions, land tax, and…
Read article →Reviewing Super Statements
Understanding what’s in your super statement, and acting on it if you need to, could make a difference of tens of thousands of dollars by retirement.
Read article →6 Things You May Not Know About Superannuation
Think you know super? Discover 6 surprising superannuation facts that could impact your retirement savings, tax benefits, and financial future.
Read article →Capital Gains Tax Changes 2026
The 50% CGT discount is ending. Discover how the proposed Capital Gains Tax changes may affect investors, business owners, trusts and SMSFs.
Read article →SMSF's Don't leave super contributions too late
As the end of the financial year approaches, timing is everything when it comes to SMSF contributions. Many investors assume it’s when they make the…
Read article →Testamentary Trust Tax Backdown
The Government has exempted testamentary trusts from proposed trust tax changes, but families and business owners with complex structures should…
Read article →AI & Investing Webinar Recap
Explore how artificial intelligence is transforming investing, superannuation, and retirement planning in Australia. Learn key AI investment…
Read article →Changes to Aged Care Fees on 1 November 2025
Discover how aged care fees in Australia will change from 1 November 2025, with new RAD rules, DAP indexing & ongoing contributions, and what it…
Read article →Division 296 Superannuation Changes 2026
Proposed Division 296 superannuation changes may significantly impact Australians with super balances above $3 million from 1 July 2026. Find out…
Read article →When to Sell: How to Time Your Investment Property Sale for the Best After-Tax Outcome
Learn how timing your investment property sale can reduce Capital Gains Tax and maximise your after-tax profit with smart planning strategies.
Read article →Land Tax NSW 2026
This guide explains NSW land tax rules for 2026, including thresholds and rates, how land tax affects individuals, trusts, companies and foreign…
Read article →How Artificial Intelligence Is Reshaping Investment Markets in 2026
Artificial Intelligence is rapidly reshaping global investment markets in 2026, from where capital is flowing to how portfolios are managed. In this…
Read article →Superannuation Changes In 2025
Major superannuation updates are coming in 2025. Find out how the changes affect your retirement planning and what you can do now to stay ahead.
Read article →12 Life Moments to Review Your Super in Australia
Your super should not be on set and forget. It should be revisited at every major life stage. In this guide, we break down the 12 key life moments…
Read article →Tax Tips for Tradies
Practical tax tips for Australian tradies, from instant write-offs and vehicle claims to depreciation, timing purchases, and record-keeping…
Read article →The Rule of 72 When Investing
The Rule of 72 is a quick and simple formula to find out how long it takes to double your money. This centuries-old mental shortcut can help you…
Read article →ATO's Tips for Small Businesses to Meet the Payday Super Timeframe
The ATO has released top tips to help small businesses meet the new Payday Super 7 business day timeframe. Learn how to verify super fund details…
Read article →Sustainable Retirement Income Planning
Sustainable retirement income planning is a financial strategy focused on creating reliable income that lasts for life, rather than simply…
Read article →The 6 Year Rule Capital Gains Tax Exemption
The ATO’s 6-Year Rule allows homeowners to rent their home and qualify for a full CGT exemption while earning rental income so long as they meet…
Read article →Salary Packaging Tips. Tax Savings & Super Strategies
Grow your super and reduce your taxable. Use smart salary-packaging incentives, structure your package early, know the caps, and avoid costly…
Read article →Tax on Superannuation Death Benefits
Understand how superannuation death benefits are taxed in Australia, who pays tax, which parts are tax-free, and how planning can reduce the tax to…
Read article →Time to do a Financial Health Check
Can You Answer These Questions? Do You Know Your Financial Health Check Numbers? A Financial Health Check isn’t about complex spreadsheets or…
Read article →ATO Apps NEW Verify Call Feature for Scam Protection
Discover how the ATO app’s new Verify Call feature helps Australians verify legitimate ATO calls, avoid tax scams, protect personal information, and…
Read article →7 Things To Do When Cashflow Is Tight
Discover 7 practical steps to stabilise cashflow, manage debtors, improve pricing, renegotiate terms, and boost revenue when your business cashflow…
Read article →2025 Tax Time Tips
How to Get Your Tax Right and Maximise Your Refund
Read article →Federal Budget 2026 Summary
Australia’s Federal Budget 2026 introduces major proposed tax reforms affecting discretionary trusts, property investors, capital gains tax and…
Read article →Key Strategies to Help Boost Your Superannuation in 2025
Discover key strategies to grow your superannuation in 2025. Learn smart tips to boost your retirement savings and maximize tax benefits in…
Read article →ATO 2025 Changes to Interest on Business Debts
ATO Changes to Business Tax Debts: Interest on Business Tax Debts No Longer Deductible from 1 July 2025 The Australian Taxation Office (ATO) has…
Read article →The Benefits of Bank of Mum & Dad (BOMAD) Trusts for Family Wealth
Discover how setting up a BOMAD Trust can help Australian parents assist children with a home deposit while protecting their wealth.
Read article →Luxury Car Tax Changes 2025
Luxury Car Tax is changing in 2025. See which SUVs and hybrids are now caught, how much extra you’ll pay, and what buyers need to know.
Read article →Google Business Profile Optimisation in 2026
Not ranking on Google? Learn how optimising your Google Business Profile can increase calls, leads and customers in 2026 and how Cashflow Financial…
Read article →Cashflow Consultants Small Business Advisory Service
Struggling with cashflow? Find out how Cashflow Consultants can help your business stabilise finances, improve cashflow, and regain confidence…
Read article →Emergency Funds. How Much Should You Really Have Saved?
The State of Savings in Australia Today In a time of rising living costs and economic uncertainty, not having enough in reserve can lead to real…
Read article →Updates when they matter
Deadlines, threshold changes and what they mean in practice. Roughly monthly, and we keep it short.