Todd is committed to providing personalised financial guidance to his clients. With nine years of experience in the financial planning profession, Todd brings a wealth of knowledge and expertise to help individuals and families navigate their financial journey. Todd’s approach to financial planning is rooted in empathy, understanding, and collaboration. He believes in taking the […]
Key points Develop a clear business strategy and regularly review performance to stay aligned with your goals. Choose the right business structure based on your objectives and personal circumstances. Manage cashflow carefully and protect your business with appropriate legal, insurance, and estate planning measures. Thinking of starting a business? Congratulations. It is an exciting time […]
Key points Stage 3 tax cuts from 1 July 2024 reduce income tax rates and raise thresholds, delivering savings for all taxpayers. Redirecting your tax cut into super is a tax-effective way to grow retirement savings. Super contribution caps have increased, offering more room for concessional and carry-forward contributions. What will you do with your […]
Key points Start succession planning early to allow time for the next generation to gain experience and ensure a smooth transition. Clearly define roles, ownership structure, and your ongoing involvement to avoid emotional and financial complications. Estate planning is essential to protect assets, provide for all beneficiaries, and ensure fair distribution of wealth When passing […]
Key points Risk tolerance, capacity, and required risk must align to create a strategy that suits both emotional comfort and financial goals. Volatility isn’t risk—it’s price movement; managing liquidity and access is key to long-term investment success. A sound strategy balances asset types, accessibility, and longevity to support retirement and evolving financial needs over time. […]
Key points SMSFs offer flexibility to invest in property, collectables, and private assets not typically available in industry funds. Strategies like deferred contributions and downsizer payments help optimise tax and boost super balances. Equalising member balances and managing death benefits improves long-term tax efficiency and estate planning outcomes. There are many ways to maximise your […]
Many of us don’t like to think about ourselves or loved ones getting older and more frail and as a result we quite often don’t plan for it. What if you (or a loved one) start to quickly lose your health or mental capacity? Without a plan, you may find yourself rushing into decisions such […]
Key points SMSFs offer greater control over investments, allowing business owners to align their super with personal interests and business needs. Owning commercial property through an SMSF and leasing it back to the business can improve asset control and reduce rental costs. SMSFs provide flexibility in estate planning, enabling trustees to direct benefits and minimise disputes […]
Key points SMSFs can be cost-effective starting from $100,000, not just for large balances. Pooling funds from up to six members boosts cost efficiency. SMSFs offer flexibility but require time, expertise, and trustee responsibility. There is still a misconception among owners of small to medium businesses (SME) that self managed superannuation funds (SMSF) are only […]
Key points The ATO now uses external data sources to identify unreported fringe benefits, especially company vehicle usage. Since July 2022, eligible low-emission vehicles are exempt from FBT, but plug-in hybrids lose this status from April 2025. Accurate documentation is essential to claim FBT exemptions and avoid penalties during increased ATO audits. The Fringe Benefits […]
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