Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # Advice Centre ## Sitemaps - [XML Sitemap](https://www.advicecentre.com.au/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [News](https://www.advicecentre.com.au/news/) - [Medicare Levy vs Medicare Levy Surcharge: What’s the Difference?](https://www.advicecentre.com.au/medicare-levy-vs-medicare-levy-surcharge-whats-the-difference/) - Many Australians are surprised to see both a Medicare Levy and a Medicare Levy Surcharge (MLS) on their tax return. They sound similar, but they are actually two different things. A simple way to think about it is this: Medicare Levy = the basic contribution Medicare Levy Surcharge = an extra charge for some higher-income - [New Financial Year, New Financial Goals](https://www.advicecentre.com.au/new-financial-year-new-financial-goals/) - Now that the dust is settling on the new financial year it is the perfect opportunity to pause, reflect, and set meaningful financial goals. While New Year's resolutions often lose momentum after a few weeks, the start of the financial year provides a practical checkpoint to review your finances and create a plan for the - [What Should Small Business Owners Be Watching Right Now?](https://www.advicecentre.com.au/what-should-small-business-owners-be-watching-right-now/) - The common theme across these developments is clear: successful businesses will be those that remain informed, manage compliance proactively, maintain strong cash flow, invest wisely and continue to strengthen their systems and processes. As the regulatory and technological environment evolves, now is a good time to review your business practices and ensure you're well prepared - [Why More Australians Are Exploring SMSFs](https://www.advicecentre.com.au/why-more-australians-are-exploring-smsfs/) - Self-Managed Super Funds (SMSFs) continue to attract growing interest from Australians who want greater control over their retirement savings. According to Australian Taxation Office statistics, there were more than 672,000 SMSFs with almost 1.24 million members by March 2026, managing over $1 trillion in assets. This growth highlights a shift in how many Australians are - [How Inflation Affects Your Retirement Savings](https://www.advicecentre.com.au/how-inflation-affects-your-retirement-savings/) - When planning for retirement, many people focus on how much money they have saved. However, just as important is what that money will be able to buy in the future. This is where inflation comes into play. Inflation is the gradual increase in the cost of goods and services over time. While a few percent - [Investment Bonds: A Flexible and Tax-Effective Wealth Building Strategy](https://www.advicecentre.com.au/investment-bonds-a-flexible-and-tax-effective-wealth-building-strategy/) - For Australians looking to build wealth outside of superannuation, investment bonds have become an increasingly popular solution. Combining investment flexibility with unique tax advantages, making them attractive for long-term investors, families, and those planning to transfer wealth to future generations. An investment bond is a professionally managed investment structure where earnings are taxed within the - [Why Financial and Business Literacy Matters for Small Business Owners](https://www.advicecentre.com.au/why-financial-and-business-literacy-matters-for-small-business-owners/) - Running a small business requires far more than simply being good at your trade or profession. Whether you're a plumber, retailer, café owner, consultant or tradesperson, understanding the financial side of your business is often the difference between long-term success and ongoing stress. Financial and business literacy refers to the ability to understand key business - [Tax Deduction vs Tax Refund: Understanding the Difference](https://www.advicecentre.com.au/tax-deduction-vs-tax-refund-understanding-the-difference/) - One of the most common misconceptions at tax time is that a tax deduction and a tax refund are the same thing. They are not. A tax deduction reduces your taxable income. In simple terms, it lowers the amount of income that the Australian Taxation Office (ATO) uses to calculate your tax bill. A deduction - [New Financial Year = New Opportunities](https://www.advicecentre.com.au/new-financial-year-new-opportunities/) - The start of a new financial year is a great time to pause, take a breath and look beyond the day-to-day challenges of running a business. Most business owners are busy with tax returns, compliance and year-end reporting, but it's also the perfect opportunity to ask yourself a simple question: Where do I want my - [What's Keeping Small Business Owners Awake at Night in 2026?](https://www.advicecentre.com.au/whats-keeping-small-business-owners-awake-at-night-in-2026/) - Over the past few months, we've been speaking with clients from a wide range of industries — tradies, retailers, medical practices, professional services, manufacturers and family businesses. While every business is different, the same concerns keep coming up in conversations. If you're feeling a little uncertain about the year ahead, you're certainly not alone. Here - [Claiming Tax Deductions for Work Bags and Cases](https://www.advicecentre.com.au/claiming-tax-deductions-for-work-bags-and-cases/) - What you can (and can’t) claim – explained simply When it comes to claiming work-related expenses, bags and cases can often be overlooked — or misunderstood. If you’re carrying items for work (like laptops, files or equipment), you may be entitled to a deduction. However, as with most tax deductions, the rules come down to - [What the Federal Budget Means for Your Tax Return (and What It Doesn’t)](https://www.advicecentre.com.au/what-the-federal-budget-means-for-your-tax-return-and-what-it-doesnt/) - [et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text] The Federal Government has been promoting several new measures aimed at supporting Australian workers following the recent Budget. These include a proposed $250 Working Australians Tax Offset (WATO) and a new “instant” tax deduction of up to $1,000. However, it’s important to understand that these measures won’t result in an immediate $1,250 benefit - [Article 8: Lost Trust Deeds — Why This Is Now a Problem and What You Can Do About It ](https://www.advicecentre.com.au/article-8-lost-trust-deeds-why-this-is-now-a-problem-and-what-you-can-do-about-it/) - If your trust deed has been lost, it’s no longer just an administrative inconvenience. Under the new AML rules, we may not be able to help you until it’s resolved. Here’s a scenario that’s more common than most people realise. A family trust was set up twenty or thirty years ago. The original trust deed was signed, filed away somewhere, and hasn’t been seen since. - [Article 7: Registered Office Clients — What It Means If We Provide Your Company’s Registered Address ](https://www.advicecentre.com.au/article-7-registered-office-clients-what-it-means-if-we-provide-your-companys-registered-address/) - If our office is your company’s registered address, here’s how the new AML rules apply to you. One of the most common arrangements in Australian business is for an accounting practice to provide their office address as the registered office for their clients’ companies. If you’re one of the many clients using our address in this way, - [Article 6: A Guide by Business Structure — How the AML Changes Apply to You ](https://www.advicecentre.com.au/article-6-a-guide-by-business-structure-how-the-aml-changes-apply-to-you/) - The new AML requirements don’t affect every client the same way. Here’s what applies to your specific situation. The practical impact on you depends entirely on how your business or affairs are structured. This guide breaks down what the new AML checks mean for each type of client, what we’ll need, and what to watch out for. Individuals and Sole Traders - [Article 5: Your Privacy, Reporting, and What Happens to Your Information ](https://www.advicecentre.com.au/article-5-your-privacy-reporting-and-what-happens-to-your-information/) - Everything we collect is protected by law. Here’s how — and the two reporting rules every client should know about. When someone asks you for your passport, your residential address, your ownership details, and an explanation of where your money comes from, it’s natural to wonder: what happens to all of this information? It’s a fair question, and - [Article 1: What’s Changing and Why It Matters to You ](https://www.advicecentre.com.au/whats-changing-and-why-it-matters-to-you/) - We aren’t asking for more paperwork because they want to. They’re asking because, from 1 July 2026, the law says they have to. Something significant is about to change in the way accounting practices across Australia operate — and whether you realise it or not, it’s going to affect you as a client. From 1 July 2026, the Australian Government is bringing accountants, lawyers, - [Article 4: What Documents and Information Are Needed ](https://www.advicecentre.com.au/article-4-what-documents-and-information-are-needed/) - Most of what’s required is information you already have — and in many cases, we may already have it on file. If there’s one thing that will determine whether the new AML process is quick and painless or slow and frustrating, it’s whether the necessary documents are available when the time comes. The good news is that most of what’s required is information that already exists. And - [Article 2: Which Services Are Affected — And Which Aren’t ](https://www.advicecentre.com.au/article-2-which-services-are-affected-and-which-arent/) - Not everything we do is covered by the new AML laws. Here’s how to tell the difference. One of the most common questions clients are asking right now is: does this affect everything my accountant does for me? The answer is no. And understanding the distinction is the single most useful thing you can do to prepare for what’s coming. From - [Article 3: What You’ll Experience as a Client ](https://www.advicecentre.com.au/article-3-what-youll-experience-as-a-client/) - The process is straightforward, but there’s one thing you need to know — we can’t start the work until the checks are done. Change is always easier to deal with when you know exactly what to expect. So here’s a straightforward walkthrough of what the new AML process will look and feel like from your side of the desk. When the process - [Important Changes Are Coming to How We Work With You ](https://www.advicecentre.com.au/important-changes-are-coming-to-how-we-work-with-you/) - From 1 July 2026, new laws will change how every accounting practice in Australia works with their clients. It’s not complicated, but it is important — and understanding what’s ahead will help things run smoothly when the time comes. Let’s be honest. When you hear “anti-money laundering laws,” your first thought probably isn’t that’s about me. And you’d be right — it’s not about you. But it - [2026-27 Federal Budget Report](https://www.advicecentre.com.au/2026-27-federal-budget-report/) - The 2026–27 Federal Budget has now been announced, with a strong focus on housing affordability, cost of living relief, healthcare funding, and changes that could significantly impact investors, businesses, and working Australians. Proposed measures include updates to negative gearing, capital gains tax concessions, new tax offsets for workers, and expanded support for small businesses through - [Director & Governance Obligations](https://www.advicecentre.com.au/director-governance-obligations/) - Why Payday Super Raises the Stakes for Company Directors If you’re a director of a small business, Payday Super isn’t just an HR or payroll issue. It’s a governance issue that could directly affect your personal legal exposure. The new rules don’t just change how super is paid — they change the legal landscape around director responsibilities, insolvency protections, and personal liability. The Safe Harbour - [Superannuation Calculation Changes](https://www.advicecentre.com.au/superannuation-calculation-changes/) - SG Calculations Are Changing — What “Qualifying Earnings” Means for Your Business Payday Super doesn’t just change when you pay super. It also changes how super is calculated. If you’re a small business owner, it’s important to understand these shifts — because they could affect how much you owe and for which employees. From OTE to Qualifying Earnings Under the current - [Compliance & Penalties](https://www.advicecentre.com.au/compliance-penalties/) - The New Penalty Framework Is Stricter Than You Think — Here’s What’s at Stake One of the most important things to understand about Payday Super isn’t just that you need to pay super more often. It’s that the consequences of getting it wrong are more severe than under the current system. Under today’s rules, if you miss a quarterly super deadline, - [Clearing House Closure](https://www.advicecentre.com.au/clearing-house-closure/) - The ATO’s Free Super Clearing House Is Closing — What You Need to Do Now If your business uses the ATO’s Small Business Superannuation Clearing House (SBSCH) to process super payments, this is important: the service is shutting down on 1 July 2026, and it’s not coming back. Since 1 October 2025, the SBSCH has already stopped - [Payroll & Systems](https://www.advicecentre.com.au/payroll-systems/) - Your Payroll Is About to Get a Lot Busier — Here’s How to Get Ready When Payday Super kicks in on 1 July 2026, it won’t just change when you pay super. It will change how much your payroll system has to do, how often it has to do it, and how little room there is for error. For many small - [Payday Super: 6 Things Every Small Business Needs to Know Before 1 July 2026](https://www.advicecentre.com.au/payday-super-6-things-every-small-business-needs-to-know-before-1-july-2026/) - If you employ staff, one of the biggest changes to hit your business in years is coming on 1 July 2026. It’s called Payday Super, and it fundamentally changes how and when you pay superannuation. Under the current system, you have until 28 days after the end of each quarter to pay your employees’ super. That’s about to end. From 1 - [Cash Flow & Financial Impact](https://www.advicecentre.com.au/cash-flow-financial-impact/) - How Payday Super Will Change the Way Your Business Manages Money If you run a small business with employees, you’re probably used to paying superannuation once a quarter. You set aside the money, lodge it by the due date, and move on. It’s a rhythm most businesses have followed for years. That rhythm is about to change significantly. From 1 - [Fringe Benefits Tax 2025-26](https://www.advicecentre.com.au/fringe-benefits-tax-2025-26/) - The Fringe Benefits Tax (FBT) year ends on 31 March. We’ve outlined the hot spots for employers and employees. FBT updates and problem areas The FBT exemption for electric cars Does FBT apply to your contractors? Overlooking or misreporting FBT on private use of work vehicles Reducing the FBT record keeping burden The top FBT - [Scams & Misinformation – the latest](https://www.advicecentre.com.au/scams-misinformation-the-latest/) - Scams and misleading information are becoming harder to spot, especially when messages claim to be from the ATO or myGov. Here’s a quick update on the latest scam activity and what to do if something doesn’t feel right. Scam advice Be wary of emails, phone calls and text messages claiming to be from the ATO. - [Fringe Benefits Tax: The Basics Explained](https://www.advicecentre.com.au/fringe-benefits-tax-the-basics-explained/) - If you’re an employer, you’ve probably heard of Fringe Benefits Tax (FBT) and wondered why it feels a little confusing. You’re not alone. FBT is simply a tax that applies when employees receive benefits in addition to their regular salary or wages. In Australia, a “fringe benefit” is anything of value you provide to an - [Rising Fuel Costs: The Hidden Pressure on Business Cash Flow](https://www.advicecentre.com.au/rising-fuel-costs-the-hidden-pressure-on-business-cash-flow/) - Fuel prices have become a growing concern for many Australian businesses, and the impact goes well beyond the bowser. Whether you operate a fleet of vehicles, rely on regular deliveries, or simply commute to meet clients, rising fuel costs can quietly erode profitability if not actively managed. For businesses in transport, construction, agriculture and trades, - [Log books – when do you need them, and when do you need a new one?](https://www.advicecentre.com.au/log-books-when-do-you-need-them-and-when-do-you-need-a-new-one/) - If you use your car for work or business, chances are your log book is doing a lot of heavy lifting at tax time. But many people aren’t quite sure how long a log book lasts, or when it needs to be updated or replaced. The rules can feel a bit technical, and it’s easy - [When Is the Right Time to Consider a Self‑Managed Super Fund?](https://www.advicecentre.com.au/when-is-the-right-time-to-consider-a-self-managed-super-fund/) - A Self‑Managed Super Fund (SMSF) can be an effective structure for individuals looking for greater involvement and flexibility in managing their retirement savings. However, choosing to establish an SMSF is a significant decision, and it’s important to understand when it may be appropriate to explore this option. Clients often begin considering an SMSF when they - [Should You Make Additional Super Contributions? The Pros and Cons](https://www.advicecentre.com.au/should-you-make-additional-super-contributions-the-pros-and-cons/) - For many Australians, superannuation remains one of the most effective long‑term wealth‑building tools. With increasing focus on retirement readiness, more people are considering whether to make additional contributions beyond the compulsory employer amount. Additional super contributions can be a powerful way to boost long‑term financial security, but they work best when balanced against your current - [Your Knowledge May 2025](https://www.advicecentre.com.au/your-knowledge-may-2025/) - INSIDE Year-end tax planning opportunities & risks Opportunities Bolstering superannuation Charitable donations Investment property owners Risks Work from home expenses Landlords beware Gig economy income For your business Opportunities Write-off bad debts Obsolete plant & equipment For companies Risks Tax debt and not meeting reporting obligations Professional firm profits Instant asset write-off threshold finally confirmed - [Your Knowledge April 2025](https://www.advicecentre.com.au/your-knowledge-april-2025/) - INSIDE Personal tax cuts Medicare levy threshold change for low-income earners Super guarantee rules catch up with venues and gyms Who is not paid super guarantee? SG's broader definition of an employee Quote of the month The proposed ban on non-compete clauses Non-competes: the state of play What now Threshold for tax-free retirement super increases - [Your Knowledge February 2025](https://www.advicecentre.com.au/your-knowledge-february-2025/) - INSIDE Why the ATO is targeting babyboomer wealth Use of trusts Reducing risk Quote of the month Will credit card surcharges be banned? The push for change How we use cards and digital transactions When are surcharges allowed Tax on surcharges Is there a problem paying your super when you die? How to make sure - [Your Knowledge December 2024](https://www.advicecentre.com.au/your-knowledge-december-2024/) - INSIDE Tax and tinsel Q&A's The top Christmas party questions Merry Christmas Quote of the month What's ahead in 2025? An election Tax & super changes Interest rates Cost of living pressures The 'Trump effect' Fuel efficient cars Wage theft criminalised Phasing out cheques Tax deduction denied for signature basketball shoe R&D Please read Your - [Your Knowledge November 2024](https://www.advicecentre.com.au/your-knowledge-november-2024/) - INSIDE What makes or breaks Christmas? The discounting trend The Christmas cost hangover New Year cashflow crunch Take a lesson from Scrooge Trading stock headaches When overseas workers are Australian employees What underpinned the Fair Work decision? The new defination of employee and employer What does this decision mean for employers? Tax obligations and international - [Your Knowledge October 2024](https://www.advicecentre.com.au/your-knowledge-october-2024/) - INSIDE Payday super: the details How will payday super work? What happens if SG is paid late? The ban on genetic test insurance discrimination Life insurance and genetic testing Genetic test discrimination The Government response A global issue More women using 'downsiver' contributions to boost super 01 Succession: the series Inheriting cash Inheriting assets Please - [Your Knowledge September 2024](https://www.advicecentre.com.au/your-knowledge-september-2024/) - INSIDE It wasn't me: the tax fraud scam How to spot a fake Who is getting scammed? Other scams What to do if you have been scammed Property and 'lifestyle' assets in the spotlight Investment property Lifestyle assets Is the RBA to blame? The economic state of play $81.5m payroll tax win for Uber Please - [Your Knowledge July 2024](https://www.advicecentre.com.au/your-knowledge-july-2024/) - INSIDE What's ahead for 2024-25? Personal tax & super Wages Interest rates and cost of living Business confidence Migration & labour What now? $20k instant asset write-off passes Parliament Is your family home really tax free? Earned an income from the sharing economy? When does the main residence exemption apply? Can the main residence apply - [Budget 2024-25](https://www.advicecentre.com.au/budget-2024-25/) - Click here to read the guide to the 2024-25 Federal Budget - [Your Knowledge May 2024](https://www.advicecentre.com.au/your-knowledge-may-2024/) - INSIDE Company money crackdown What the tax law requires The problem areas Accessing money in your SMSF Should you be the 'bank of Mum & Dad'? The downside of cash gifts The 'bank of Mum & Dad' Providing security to lenders Co-ownership Utilising a family trust Reduced or rent free property Quote of the month - [Your Knowledge April 2024](https://www.advicecentre.com.au/your-knowledge-april-2024/) - INSIDE Warning on SMSF asset valuations Valuing at market value Valuing real property Valuing unlisted companies and unlisted trust investments Where there is no reliable data or market Valuations and the impending Division 296 tax on super earnings Budget 2024-25 The assault on professional services practices How much is my business worth? Non-compete clauses and - [Your Knowledge February 2024](https://www.advicecentre.com.au/your-knowledge-february-2024/) - INSIDE Stage 3 personal income tax cuts redesigned Can my SMSF invest in property development? Contractor or employee? The problem when the evidence doesn't match what the taxpayer tells the ATO Quote of the month Please read Your Knowledge February 2024 here - [The Redesigned Stage 3 Personal Income Tax Cuts](https://www.advicecentre.com.au/the-redesigned-stage-3-personal-income-tax-cuts/) - The personal income tax cuts legislated to commence on 1 July 2024 will be realigned and redistributed under a proposal released by the Federal Government. Please read the article here - [Your Knowledge December 2023](https://www.advicecentre.com.au/your-knowledge-december-2023/) - INSIDE The controversial case of the taxpayer who claimed a loss on their home Merry Christmas Bah humbug: The Christmas tax dilemma 1. Keep team gifts spontaneous 2. The FBT Christmas party crunch 3. Avoid client lunches and give a gift 4. Charities love cash 5. Christmas bonuses Quote of the month The Christmas tax - [Your Knowledge November 2023](https://www.advicecentre.com.au/your-knowledge-november-2023/) - Inside Workers owed $3.6bn in super guarantee. Single touch payroll matched to super fund data. When SG is paid late. Up to 10 years in prison for deliberate ‘wage theft’ The danger of misclassifying contractors ‘Payday’ super from 1 July 2026 When trust distributions to a company are left unpaid Quote of the month Fixed-term - [Your Knowledge September 2023](https://www.advicecentre.com.au/your-knowledge-september-2023/) - INSIDE The Billion Dollar TikTok Scandal How did it happen? Caught in the web? The case of the taxpayer who was paid too late The shape of Australia’s future We’re ageing Services and who pays The role of technology Climate change transformation Geopolitical risks Quote of the month Legislating the ‘objective’ of super Please read - [Your Knowledge August 2023](https://www.advicecentre.com.au/your-knowledge-august-2023/) - INSIDE Why is my tax refund so small? Do we pay more tax than other nations? Is a second job worth it? Succession: What does it take to hand your business to the next generation? Thinking of subdividing? The tax implications and pitfalls of small-scale subdivisions Tax treatment of the subdivision Do I need to - [Your Knowledge July 2023](https://www.advicecentre.com.au/your-knowledge-july-2023/) - INSIDE The 120% technology and skills ‘boost’ deduction. Who can access the boosts?. $20k technology investment boost. The Skills and Training Boost. Backing a winner: Digital games tax break. Who is eligible?. Australian digital games successes. What changed on 1 July 2023. Important: 1 July 2023 wage increases. What is development expenditure? What games are - [EOFY Payroll Guides](https://www.advicecentre.com.au/eofy-payroll-guides/) - With the end of financial year approaching fast, we have gathered a few step by step guides to help you. Click here to access the guide for Xero Click here to access the guide for MYOB Click here to access the guide for Reckon - ['Ace in the Hole'](https://www.advicecentre.com.au/ace-in-the-hole/) - Budget 2023 -24 A Guide The ‘ace in the hole’ of the 2023-24 FederalBudget was the $4.2bn surplus; the first in 15years. The surplus was driven by a surge in thecorporate and individual tax take. Highcommodity prices, inflation, and highemployment have all pushed up corporate andindividual tax receipts. But the gains can't berelied on long - [What’s the Deal with Working from Home?](https://www.advicecentre.com.au/whats-the-deal-with-working-from-home/) - The Australian Taxation Office (ATO) has updated its approach to how you claim expenses for working from home. The ATO has ‘refreshed’ the way you can claim deductions for the costs you incur when you work from home. From 1 July 2022 onwards, you can choose either to use a new ‘fixed rate’ method (67 - [Your Knowledge May 2023](https://www.advicecentre.com.au/your-knowledge-may-2023/) - INSIDE $20k Small Business Energy Incentive. ‘OnlyFans’ Tax Risk Warning. How content creators are taxed. What deductions can I claim?. When is a side hustle a business?. ATO Rental Property Blitz. Claiming interest and redrawing on the loan. Borrowing costs. Repairs or maintenance. Quote of the month. Access to home guarantee scheme expanded to friends - [Your Knowledge April 2023](https://www.advicecentre.com.au/your-knowledge-april-2023/) - INSIDEHow Does Tax Apply to Electric Cars? The FBT exemption for electric cars Who the FBT exemption does not apply to How do the tax rules apply to home charging units? What about the cost of electricity? Selling a business? The pros and cons of earn-out clauses What sharing platforms are sharing with the ATO - [ATO focus on rental properties](https://www.advicecentre.com.au/ato-focus-on-rental-properties/) - Rental property owners are now one of the ATO’s top targets after it found nine out of ten tax... - [Federal Budget 2022-23 Analysis](https://www.advicecentre.com.au/federal-budget-2022-23-analysis-2/) - Budget October 2022: sign of the times In his first Budget, Treasurer Jim Chalmers’ emphasised... - [July Client Information Session](https://www.advicecentre.com.au/july-client-information-session/) - We are pleased to provide you with access to our recording of our recent Client Information Session featuring 3 presenters highlighting their view on what is currently impacting investment markets and what they think the future holds. Watch the recording below: - [Join Our Live Online Economic Update](https://www.advicecentre.com.au/join-our-live-online-economic-update/) - Register Online - [Market movements & review video - July 2022](https://www.advicecentre.com.au/market-movements-review-video-july-2022/) - Stay up to date with what's happened in the Australian economy and markets over the past month.... - [A new financial year rings in new support for first-home buyers](https://www.advicecentre.com.au/a-new-financial-year-rings-in-new-support-for-first-home-buyers/) - Rising costs of living, increasing interest rates and high prices have all combined to create the... - [A new financial year rings in new support for first-home buyers](https://www.advicecentre.com.au/a-new-financial-year-rings-in-new-support-for-first-home-buyers/) - Rising costs of living, increasing interest rates and high prices have all combined to create the... - [When bankruptcy is the best way forward](https://www.advicecentre.com.au/when-bankruptcy-is-the-best-way-forward/) - As interest rates and debt levels rise, many individuals and small business owners are feeling... - [How to manage rising interest rates](https://www.advicecentre.com.au/how-to-manage-rising-interest-rates/) - Rising interest rates are almost always portrayed as bad news, by the media and by politicians of... - [A super window of opportunity](https://www.advicecentre.com.au/a-super-window-of-opportunity/) - New rules coming into force on July 1 will create opportunities for older Australians to boost... - [What’s changing on 1 July 2022?](https://www.advicecentre.com.au/whats-changing-on-1-july-2022/) - A series of reforms and changes will commence on 1 July 2022. Here’s what is coming up: For business Superannuation guarantee increase to 10.5% The Superannuation Guarantee (SG) rate will rise from 10% to 10.5% on 1 July 2022 and will continue to increase by 0.5% each year until it reaches 12% on 1 July - [ATO ramps up heat on directors](https://www.advicecentre.com.au/ato-ramps-up-heat-on-directors/) - Throughout March, the ATO sent letters to directors who are potentially in breach of their obligations to ensure that the company they represent has met its PAYG withholding, superannuation guarantee charge, or GST obligations. These letters are a warning shot and should not be ignored. The director penalty regime ensures that directors are personally liable - [Can I claim a tax deduction for my gym membership?](https://www.advicecentre.com.au/can-i-claim-a-tax-deduction-for-my-gym-membership/) - There are lots of reasons to keep fit but very few of them have to do with how we earn our income. As a result, a tax deduction for a gym membership isn’t available to most people. And yes, the Tax Office has heard all the arguments before about how keeping fit reduces sickness and - [The 120% deduction for skills training and technology costs](https://www.advicecentre.com.au/the-120-deduction-for-skills-training-and-technology-costs/) - It’s a great headline isn’t it? Spend $100 and get a $120 tax deduction. Days after the Federal Budget announcement that businesses will be able to claim a 120% deduction for expenditure on training and technology costs, we started receiving marketing emails encouraging us to spend now to access the deduction. But, there are a - [Are you entitled to unclaimed money? Here's how to check](https://www.advicecentre.com.au/are-you-entitled-to-unclaimed-money-heres-how-to-check/) - Strapped for cash? It's a longshot, but there are free online searches which allow you to check whether you've got rights to any unclaimed money in Australia. Unclaimed Money is money from lost bank accounts, shares, investments and life insurance policies. This money generally becomes lost when you move house and forget to update your - [Market movements & review video - May 2022](https://www.advicecentre.com.au/market-movements-review-video-may-2022/) - Stay up to date with what's happened in Australian markets over the past month. The economic... - [Property review video - May 2022](https://www.advicecentre.com.au/property-review-video-may-2022/) - Stay up to date with the latest developments in the property market over the past month. The... - [Salary sacrifice to cut tax and boost your super](https://www.advicecentre.com.au/salary-sacrifice-to-cut-tax-and-boost-your-super/) - This time of year, people’s thoughts start turning to their tax return, but it can also be a good... - [The road ahead for shares](https://www.advicecentre.com.au/the-road-ahead-for-shares/) - Trying to time investment markets is difficult if not impossible at the best of times, let alone... - [Thinking of fixing your loan? Here's what you need to know](https://www.advicecentre.com.au/thinking-of-fixing-your-loan-heres-what-you-need-to-know/) - With interest rates looking like they’re on the rise in Australia, it’s worth asking yourself how... - [FBT Hot Spots 2022 - Part 3](https://www.advicecentre.com.au/fbt-hot-spots-2022-part-3/) - In our third and final article (Part 1 / Part 2), we’ve highlighted more hot spots for employers and employees to keep an eye on in 2022. - [FBT Hot Spots 2022 - Part 2](https://www.advicecentre.com.au/fbt-hot-spots-2022-part-2/) - Following on from Part 1, we've highlighted more hot spots for employers and employees to keep an eye on in 2022. - [FBT Hot Spots 2022 - Part 1](https://www.advicecentre.com.au/fbt-hot-spots-2022-part-1/) - The Fringe Benefits Tax (FBT) year ends on 31 March. We’ve outlined the hot spots for employers and employees. - [New super opportunities from 1 July 2022](https://www.advicecentre.com.au/new-super-opportunities-from-1-july-2022/) - As 30 June fast approaches, the focus usually shift towards ensuring strategies relating to managing taxation outcomes and superannuation are implemented before the end of financial year arrives. However, it is also important to look ahead, with some superannuation contribution rules changing from 1 July 2022. These changes could create new opportunities which may benefit - [SMSFs and property: What are the rules?](https://www.advicecentre.com.au/smsfs-and-property-what-are-the-rules/) - With the property market hitting all-time highs in 2021, interest in investing in direct property... - [(Re)finance your way to renovation](https://www.advicecentre.com.au/refinance-your-way-to-renovation/) - Why go through the worry (and expense) of moving when you can turn your current place into your... - [Avoid the rush: Get ready for June 30](https://www.advicecentre.com.au/avoid-the-rush-get-ready-for-june-30/) - It seems like June 30 rolls around quicker every year, so why wait until the last minute to get... - [Federal Budget 2022-23 Analysis](https://www.advicecentre.com.au/federal-budget-2022-23-analysis/) - A balancing act Billed as a Budget for families with a focus on relieving short-term cost of... - [How to spot a good investment](https://www.advicecentre.com.au/how-to-spot-a-good-investment/) - Not even a global pandemic can quash Australia’s obsession with bricks and mortar. We follow... - [Kicking financial goals in 2022](https://www.advicecentre.com.au/kicking-financial-goals-in-2022/) - After a difficult year of COVID disruptions and uncertainty, the summer holidays can’t come... - [Tax Alert December 2021](https://www.advicecentre.com.au/tax-alert-december-2021/) - As COVID-19 turbulence starts to settle, the ATO is moving away from its supportive position and... - [Market movements & review video - December 2021](https://www.advicecentre.com.au/market-movements-review-video-december-2021/) - Stay up to date with what's happened in Australian markets over the past month. As November drew... - [Property review video - December 2021](https://www.advicecentre.com.au/property-review-video-december-2021/) - Stay up to date with the latest developments in the property market over the past month. Our... ## Pages - [Home](https://www.advicecentre.com.au/) - Advice Centre is a Hervey Bay-based financial advisory and wealth management firm. We offer a range of services including taxation, accounting, and financial planning. - [Accounting](https://www.advicecentre.com.au/how-we-help/accounting/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” custom_margin=”||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_fullwidth_post_title meta=”off” featured_image=”off” text_color=”light” _builder_version=”4.16″ _module_preset=”default” title_font=”|600|||||||” title_font_size=”40px” background_color=”#bf9533″ background_enable_image=”off” text_orientation=”center” custom_padding=”60px||50px||false|false” custom_padding_tablet=”50px||40px||false|false” custom_padding_phone=”40px||30px||false|false” custom_padding_last_edited=”on|phone” title_font_size_tablet=”35px” title_font_size_phone=”30px” title_font_size_last_edited=”on|desktop” global_colors_info=”{}”][/et_pb_fullwidth_post_title][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width_tablet=”90%” width_phone=”” width_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_2_font=”|600|||||||” header_2_font_size=”45px” header_2_line_height=”1.2em” header_3_font=”||||||||” header_3_font_size=”25px” header_3_line_height=”1.2em” - 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[Self Managed Super Funds](https://www.advicecentre.com.au/how-we-help/self-managed-super-funds/) - Experienced SMSF financial advisers serving Hervey Bay and Maryborough. Advice Centre offers expert super, retirement and wealth planning. - [Our Team](https://www.advicecentre.com.au/our-team/) - [How We Help](https://www.advicecentre.com.au/how-we-help/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” custom_margin=”||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_fullwidth_post_title meta=”off” featured_image=”off” text_color=”light” _builder_version=”4.16″ _module_preset=”default” title_font=”|600|||||||” title_font_size=”40px” background_color=”#bf9533″ background_enable_image=”off” text_orientation=”center” custom_padding=”60px||50px||false|false” custom_padding_tablet=”50px||40px||false|false” custom_padding_phone=”40px||30px||false|false” custom_padding_last_edited=”on|phone” title_font_size_tablet=”35px” title_font_size_phone=”30px” title_font_size_last_edited=”on|desktop” global_colors_info=”{}”][/et_pb_fullwidth_post_title][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” module_id=”service-row-exp” _builder_version=”4.27.5″ _module_preset=”default” width_tablet=”90%” width_phone=”” width_last_edited=”on|tablet” custom_padding=”0px||||false|false” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Lending” image=”https://www.advicecentre.com.au/wp-content/uploads/2021/08/Lending-tile.jpg” content_max_width=”100%” module_id=”service-blur-exp” _builder_version=”4.16″ _module_preset=”default” - [Wealth Creation & Investments](https://www.advicecentre.com.au/how-we-help/wealth/wealth-creation-investments/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” custom_margin=”||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_fullwidth_post_title meta=”off” featured_image=”off” text_color=”light” _builder_version=”4.16″ _module_preset=”default” title_font=”|600|||||||” title_font_size=”40px” background_color=”#bf9533″ background_enable_image=”off” text_orientation=”center” custom_padding=”60px||50px||false|false” custom_padding_tablet=”50px||40px||false|false” custom_padding_phone=”40px||30px||false|false” custom_padding_last_edited=”on|phone” hover_enabled=”0″ title_font_size_tablet=”35px” title_font_size_phone=”30px” title_font_size_last_edited=”on|desktop” global_colors_info=”{}” sticky_enabled=”0″][/et_pb_fullwidth_post_title][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width_tablet=”90%” width_phone=”” width_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text disabled_on=”off|off|off” _builder_version=”4.16″ _module_preset=”default” header_2_font=”|600|||||||” header_2_font_size=”45px” header_2_line_height=”1.2em” - [Regulatory Disclosures - CLM Accountants](https://www.advicecentre.com.au/regulatory-disclosures-clm-accountants/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.9.7″ _module_preset=”default” custom_margin=”||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|desktop”][et_pb_fullwidth_post_title meta=”off” featured_image=”off” text_color=”light” _builder_version=”4.9.7″ _module_preset=”default” title_font=”|600|||||||” title_font_size=”40px” background_color=”#bf9533″ background_enable_image=”off” text_orientation=”center” custom_padding=”60px||50px||false|false” custom_padding_tablet=”50px||40px||false|false” custom_padding_phone=”40px||30px||false|false” custom_padding_last_edited=”on|phone” title_font_size_tablet=”35px” title_font_size_phone=”30px” title_font_size_last_edited=”on|desktop”][/et_pb_fullwidth_post_title][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.7″ _module_preset=”default”][et_pb_row _builder_version=”4.9.7″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.7″ _module_preset=”default”][et_pb_text _builder_version=”4.9.7″ _module_preset=”default”] CLM Accountants is committed to upholding the highest standards of professional conduct in accordance with the Tax Agent Services - 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[Maryborough Accountants & Financial Advisors](https://www.advicecentre.com.au/accountants-maryborough/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.9.7″ _module_preset=”default” custom_margin=”||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” locked=”off”][et_pb_fullwidth_post_title meta=”off” featured_image=”off” text_color=”light” _builder_version=”4.9.7″ _module_preset=”default” title_font=”|600|||||||” title_font_size=”40px” background_color=”#bf9533″ background_enable_image=”off” text_orientation=”center” custom_padding=”60px||50px||false|false” custom_padding_tablet=”50px||40px||false|false” custom_padding_phone=”40px||30px||false|false” custom_padding_last_edited=”on|phone” title_font_size_tablet=”35px” title_font_size_phone=”30px” title_font_size_last_edited=”on|desktop”][/et_pb_fullwidth_post_title][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.7″ _module_preset=”default” title_text=”chris-abney-qLW70Aoo8BE-unsplash (Large)” background_image=”https://www.advicecentre.com.au/wp-content/uploads/2023/02/chris-abney-qLW70Aoo8BE-unsplash-Large.jpg” use_background_color_gradient=”on” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,0,0,0.71)” background_color_gradient_end=”rgba(0,0,0,0.71)” hover_enabled=”0″ sticky_enabled=”0″][et_pb_row _builder_version=”4.9.7″ _module_preset=”default”][et_pb_column _builder_version=”4.9.7″ _module_preset=”default” type=”4_4″][et_pb_text _builder_version=”4.9.7″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″ text_font_size=”19px” text_line_height=”1.9em” text_orientation=”center” text_text_color=”#FFFFFF”] If you’re looking - [Pay Online](https://www.advicecentre.com.au/pay-online/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.9.7″ _module_preset=”default” custom_margin=”||||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|desktop”][et_pb_fullwidth_post_title meta=”off” featured_image=”off” text_color=”light” _builder_version=”4.9.7″ _module_preset=”default” title_font=”|600|||||||” title_font_size=”40px” background_color=”#bf9533″ background_enable_image=”off” text_orientation=”center” custom_padding=”60px||50px||false|false” custom_padding_tablet=”50px||40px||false|false” custom_padding_phone=”40px||30px||false|false” custom_padding_last_edited=”on|phone” title_font_size_tablet=”35px” title_font_size_phone=”30px” title_font_size_last_edited=”on|desktop”][/et_pb_fullwidth_post_title][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.9.7″ _module_preset=”default” background_enable_color=”off”][et_pb_row use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.9.7″ _module_preset=”default” width_tablet=”90%” width_phone=”” width_last_edited=”on|tablet”][et_pb_column type=”4_4″ _builder_version=”4.9.7″ _module_preset=”default”][et_pb_cta title=”Make A Payment To CLM” button_url=”https://qsop.quickfee.com.au/#/company/quickfee/firm/clm” button_text=”Click Here” _builder_version=”4.9.7″ _module_preset=”default” custom_button=”on” button_text_size=”18px” button_bg_color=”#000000″ button_border_width=”0px” - [Sample Page](https://www.advicecentre.com.au/sample-page/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on” da_disable_devices=”off|off|off”][et_pb_row admin_label=”row” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.9.7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ sticky_enabled=”0″] Which office would you like contact fromHervey BayTop End Tax [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section] - [Payment To Top End Tax](https://www.advicecentre.com.au/payment-to-top-end-tax/) - [et_pb_section fb_built=”1″ _builder_version=”4.9.7″ _module_preset=”default” da_disable_devices=”off|off|off” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_5,3_5,1_5″ _builder_version=”4.9.7″ _module_preset=”default”][et_pb_column type=”1_5″ _builder_version=”4.9.7″ _module_preset=”default”][/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.9.7″ _module_preset=”default”][et_pb_code _builder_version=”4.9.7″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_code][/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.9.7″ _module_preset=”default”][/et_pb_column][/et_pb_row][/et_pb_section] - 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[Uncategorized](https://www.advicecentre.com.au/category/uncategorized/) - [News](https://www.advicecentre.com.au/category/news/) - [FBT](https://www.advicecentre.com.au/category/fbt/) - [Superannuation](https://www.advicecentre.com.au/category/superannuation/) - [Financial Planning](https://www.advicecentre.com.au/category/financial-planning/) - [Lending](https://www.advicecentre.com.au/category/lending/) - [Tax](https://www.advicecentre.com.au/category/tax/) - [Property Review](https://www.advicecentre.com.au/category/property-review/) - [Market Update](https://www.advicecentre.com.au/category/market-update/) ## Tags - [Advice Centre](https://www.advicecentre.com.au/tag/advice-centre/) - [Hervey Bay](https://www.advicecentre.com.au/tag/hervey-bay/) - [Unclaimed Money](https://www.advicecentre.com.au/tag/unclaimed-money/) - [Search Lost Money](https://www.advicecentre.com.au/tag/search-lost-money/) - [Financial Planning Hervey Bay](https://www.advicecentre.com.au/tag/financial-planning-hervey-bay/) - [Superannuation Hervey Bay](https://www.advicecentre.com.au/tag/superannuation-hervey-bay/) - [Financial Advice Hervey Bay](https://www.advicecentre.com.au/tag/financial-advice-hervey-bay/) - [Financial Advisor Hervey Bay](https://www.advicecentre.com.au/tag/financial-advisor-hervey-bay/) - [Home Loans Hervey Bay](https://www.advicecentre.com.au/tag/home-loans-hervey-bay/) - [First Home Buyer](https://www.advicecentre.com.au/tag/first-home-buyer/) - [Mortgage Broker](https://www.advicecentre.com.au/tag/mortgage-broker/) - [Mortgage Broker Hervey Bay](https://www.advicecentre.com.au/tag/mortgage-broker-hervey-bay/)