If you’ve heard whispers about “Payday Super” but haven’t quite wrapped your head around it — you’re not alone. This is one of the biggest changes to Australia’s Super Guarantee (SG) system in decades, and it’s coming soon. For employers and employees alike, it’s an important shift.
With your children grown and retirement on the horizon, this is the perfect time to fine-tune your financial position. Strategic tax planning now can reduce your tax, boost retirement savings, and ensure a smoother transition into retirement.
Your tax plan shouldn’t be “set and forget.” Just as your life shifts — from studying and working your first job, through buying property, raising a family, running a business, and eventually retiring — your tax opportunities and obligations evolve too.
Retirement changes how you interact with the tax system, but opportunities still exist to reduce tax, optimise income, and preserve your wealth. Strategic planning can ensure your retirement savings go further while keeping you compliant with ATO rules.
Starting out in your career or balancing study with work can feel overwhelming — but it’s also the perfect time to build strong financial habits and make the most of every tax opportunity. The good news? There are plenty of deductions, contributions, and strategies designed to boost your savings, reduce your tax bill, and set you up for long-term success.
Combining finances with a partner or buying your first home is exciting — but it also brings new tax opportunities and considerations. With careful planning, you can reduce your tax, make the most of government schemes, and protect your financial future as a couple.
Your early career is an exciting stage — new responsibilities, growing income, and the chance to build financial habits that can pay off for decades. While you may not yet have a mortgage or dependents, there are smart tax strategies you can use now to reduce your tax, grow your super, and set yourself up for long-term financial success.
Having children brings joy — and new financial responsibilities. The good news? There are tax strategies and government benefits designed to ease the financial load, helping you reduce tax, manage household expenses, and plan for the future.
Running your own business is exciting, but it comes with its own set of financial responsibilities — including navigating complex tax rules. Smart planning can help reduce your tax, maximise deductions, and keep your business financially healthy.
Owning an investment property isn’t just about collecting rent and waiting for the value to climb. It’s also about navigating the tax rules — because, let’s face it, the ATO is just as interested in your rental property as you are. Get it right, and you could significantly improve your after-tax returns. Get it wrong, and you might find yourself the subject of an audit (and a nasty bill).
