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Our friendly and experienced team of qualified accountants and financial planners can help build and protect your wealth, plan your retirement and support your business.
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Your first appointment is free.
Your BAS statements need to be lodge quarterly: *1st quarter (July, August & September) is due 28th October, *2nd quarter (October, November & December) is due 28th February, *3rd quarter (January, February & March) is due 28th April, *4th quarter (April, May & June) is due 28th July, *You can choose to pay your BAS monthly. Each statement is then due on the 21st of the following month.
There are many deductions for tax but those that apply to many people include self-education expenses, travel and car expenses (when used for work) and laundering expenses (for those required to wear a uniform). You must retain your receipts or keep a log book in order to claim on these expenses. Contact us to find out if you are eligible for any other deductions.
If you are eligible to receive tax deductions (such as from investment properties, shares or work related expenses) you can receive them as a tax return at the end of the financial year or you can apply for an income tax withholding variation. Your deductions are then received in the form of reduced PAYG payments.
Usually SGCs are paid quarterly (although you can elect to pay them more frequently). The quarterly lodgement dates are as follows: *1st quarter (July, August & September) is due 28th October, *2nd quarter (October, November & December) is due 28th February, *3rd quarter (January, February & March) is due 28th April, *4th quarter (April, May & June) is due 28th July.
Negative gearing refers to a situation where an investor borrows money to purchase an asset (usually a property) but the income from the property doesn't cover the interest on the loan. Tax deductions are available for those with negatively geared properties and this is sometimes used as a strategy to reduce tax whilst investing.
Salary sacrifice is an arrangement where you agree to forego part of your future salary or wages in return for your employer providing benefits of a similar value. Usually salary sacrifice is placed into super. This can reduce the amount that you are taxed and will increase your super balance at a faster rate. Your salary sacrifice can also go toward care fringe benefits and expense payment fringe benefits (such as school fees, child care costs and loan repayments).
There are certain circumstances in which you can draw on your super early. These include: *Severe financial hardship, *Compassionate grounds (due to illness or the possibility of losing your house), *In the event of permanent disability, *If you are a non-resident - when you permanently leave Australia, *If your preserved super benefit is less than $200.
SMSF stands for Self-Managed Super Fund. This type of superannuation fund gives you more control over where your money is invested. Fees are also charged at a flat rate so it can be more cost effective for people with large super balances.
We can help to set up insurance to protect your wealth in case of death or injury. There are four types of insurance: *Life cover insurance, *Critical illness insurance, *Total & permanent disability insurance, *Income protection insurance.
