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About Geoff Gartly

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So far Geoff Gartly has created 120 blog entries.

The Emotional Weight of Selling Your Business: Why Letting Go Takes Time

By |2025-11-21T08:10:11+11:0019/11/2025|Categories: Blog, Exit plan, Exit Planning, Growth tools|Tags: , , , |

The selling your business for many is an emotional time. As the business owner, the idea of selling their business isn’t just a strategic move — it’s a deeply emotional journey. A business is rarely just a commercial transaction. Your business is often a reflection of its owner. It’s the sum of years of sacrifice, late nights, financial risk, personal growth, and countless decisions that shaped who the owner is today. When the moment comes to sell your business and the baton, the process can feel overwhelming, confusing, and sometimes paralysing. In fact, emotional barriers are often one of the [...] READ MORE

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Find the Right Tax Accountant in Melbourne: Why Gartly Advisory is Trusted for Personal and Business Tax Returns

By |2025-11-13T12:57:50+11:0013/11/2025|Categories: Blog, small business, Taxation|Tags: , , |

When it comes to managing your finances, finding a good tax accountant in Melbourne can make all the difference. At Gartly Advisory, we understand that every client’s tax situation is unique. Our experienced team of tax accountants in Melbourne provide tailored advice, ensuring that you not only meet your tax obligations but also maximise your financial potential. Whether you need a personal tax accountant in Melbourne or help with complex business tax returns, we’re here to make tax time stress-free and efficient. Why Choose Gartly Advisory as Your Melbourne Tax Accountant Hiring a Melbourne tax accountant isn’t just about filing [...] READ MORE

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Payday Super and small business superannuation

By |2025-11-11T17:34:48+11:0011/11/2025|Categories: Blog, small business, Super|Tags: , , |

Payday Super Explained for Small Business Employers Payday Super is here and is enshrined in Legislation. For many small businesses, it will result in additional workload to meet ongoing obligations. For example, if you run a busy takeaway, you already know payroll can be one of the trickiest parts of the job as the business owner. But there’s a big change on the horizon that every small business needs to understand: Payday Super. Starting soon, on 1st July 2026, employers will need to pay superannuation at the same time as wages, not quarterly; it could be weekly if that [...] READ MORE

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Strategic small business growth.

By |2025-11-02T15:16:33+11:0002/11/2025|Categories: Blog, Business growth|

Growing Your Business: Understanding What People Really Want The Lessons of Masters and Bunnings Growing a business is more than just opening your doors and hoping customers will come. It’s a strategic process built around understanding what people actually want — and delivering it better than anyone else. It’s been over a decade since Masters Home Improvement shut its doors for good. When Woolworths launched Masters, it set out to challenge Bunnings Warehouse, the undisputed king of hardware in Australia. It was a bold move: take on an entrenched competitor, dominate the DIY and trade market, and become a [...] READ MORE

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Selling your caravan park

By |2025-11-01T16:52:23+11:0001/11/2025|Categories: Blog, Exit Planning|Tags: , , |

Selling Your Caravan Park needs a robust exit plan that begins now! Selling your caravan park is one of the biggest decisions you’ll make in your business journey. After years of welcoming travellers, maintaining sites, and watching countless red sunsets, it’s time to begin a new chapter. Whether you’ve run a family-owned caravan park for decades or recently taken over management, caravan park exit planning should be part of your long-term strategy. This process isn’t just about numbers on a page — it’s about legacy, emotion, and opportunity. Selling your caravan park gives you the chance to unlock the capital [...] READ MORE

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Managing Family business Disputes

By |2025-11-01T16:22:29+11:0001/11/2025|Categories: Blog, Exit Planning|Tags: , , |

Family business disputes can lead to a premature exit by a key player. If the dispute is not resolved quickly and effectively, it may lead to a breakdown in communication and a loss of trust among family members. The result is that one or more family members leave the business or sell their shares, potentially leading to a significant change in the ownership structure and management. Ultimately, a change of direction, passion, and in some cases, family members hold long-term personal grudges toward each other. Ultimately, the decision to exit a business due to a family dispute will depend on [...] READ MORE

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Ai in Cafe and coffee shops

By |2025-11-05T11:26:56+11:0020/10/2025|Categories: Blog|Tags: , , , , , |

How will AI in cafes change my business Ai in a cafe is here. Running a café is more than just serving coffee — it’s about crafting experiences, creating community, and making moments that keep customers coming back. But in today’s fast-changing world, staying competitive means embracing new technology. At the end of the day, the local coffee shop, like every other business, aims to improve the customer experience. AI has begun to change the way we all do business. Embrace it and see where it can assist in both productivity and innovation. One of the biggest innovations reshaping the [...] READ MORE

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Accountant help – why we are an investment

By |2025-10-10T15:27:52+11:0010/10/2025|Categories: Blog, Business growth, small business|Tags: , |

Is my Accountant help a Cost or an Investment to My Small Business? Your accountant could be one of your best investments when it comes to business advice. Advice such as sales, business growth, and exit planning? While the perception is that Accountants are just there for tax and compliance at Gartly Advisory, we are so much more . As your small business accountant, we passionately help our clients with advice on many aspects of their business.The Common Perception: Accountants is a Cost that needs to be incurred, but not much valueMany business owners see accountants as a necessary compliance [...] READ MORE

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GST and Small Business Exporting: What Small Manufacturers Need to Know

By |2025-10-09T13:56:34+11:0009/10/2025|Categories: Blog, Business growth|Tags: , , |

Expand your small business exporting sales . If you’re a small manufacturer looking to grow beyond Australia, exporting overseas can open up a world of opportunity. But before you start filling overseas orders, it’s worth getting clear on one important thing — how GST works when you export. The Good News — Exports Are Usually GST-Free When you, as a small business exporter and developing a small business exporting sales strategy, these export goods out of Australia, are generally GST-free. That means you don’t charge GST to your overseas customers when you make the sale, as long as the [...] READ MORE

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Transitioning from builder to property developer

By |2025-11-20T10:51:05+11:0029/09/2025|Categories: Blog, Business growth, Trade & construction|Tags: , , , , , |

If you're a small builder looking to transition from Builder working on client projects to the more lucrative world of property development, particularly townhouse projects, then we are here to help. Developing property is a business that needs good planning. Let's explore crucial strategies for managing costs, navigating GST, and ensuring your business thrives, not just survives as you decide to transition to property development. While demand for townhouses remains steady, rising costs, complex regulations, and fierce competition for high-quality land continue to squeeze profit margins. Over the years many builders decide its time to make their own homes [...] READ MORE

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Divorce accountant: helping you to ensure your tax position is right

By |2025-09-26T19:03:27+10:0015/09/2025|Categories: Dispute management, Estate Planning, News for you|Tags: , |

As a Divorce Accountant, we aim to help you get a fair and equitable deal as you work through an emotional time. What You Need to Know When It All Splits Up Divorce and taxes are neither fun nor part of life's matters. With at least one in three marriages ending in divorce — and countless more de facto relationships breaking down — the capital gains tax (CGT) roll-over provisions for relationship breakdowns have become increasingly relevant for Australians navigating separation. At Gartly Advisory, we specialise as Divorce Accountants and help clients navigate divorce tax and business implications of separating [...] READ MORE

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Putting Your Home in a Trust

By |2025-09-14T09:24:36+10:0014/09/2025|Categories: Blog, CGT, Dispute management, Taxation|Tags: , |

 One asset protection strategy that is often considered is putting your home in a trust.  While this may offer some asset protection benefits, it also comes with significant tax consequences, particularly the loss of the Capital Gains Tax (CGT) principal residence exemption. Before you transfer your most valuable asset into a legal structure such as a company or trust, here’s what you need to know about how family trusts work, when they do and don’t protect your home, and why CGT issues can often outweigh the protection benefits.  What Is a Family Trust and How Does It Offer Asset Protection? [...] READ MORE

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Buying a Franchise?

By |2025-10-11T13:01:57+11:0031/08/2025|Categories: Blog, Business growth, franchise, Services accounting for small business, small business|

Thinking about buying a franchise? Before you get to enthused over that shiny logo or start dreaming of matching polos with your name embroidered on them, hit pause and ask the most important question of all: Why do I want to buy a franchise? Owning a franchise isn’t for everyone—and it certainly isn’t a shortcut to freedom, riches, or four-day workweeks. But for the right person, with the right system, it can be a launchpad to a profitable and rewarding business journey. We have many clients who have owned franchises and done very well . Let’s explore what you need [...] READ MORE

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Tuning Your Small Business Strategy to be like an F1 Machine

By |2025-09-08T10:17:30+10:0002/07/2025|Categories: Blog, Business growth|Tags: , , , , |

Your small business strategy should be - Ready, Set, grow: Start the New Financial Year Like a Pro! July 1 isn't just the start of a new financial year — it’s your fresh start, your green light, your moment on the grid. This is your chance to shake off last year’s engine rattle and tune your business into a lean, mean, revenue-generating machine. Think of yourself as the team principal of your very own Formula 1 outfit. (Or better yet, Brad Pitt in that upcoming F1 movie — calm under pressure, stylish, and slightly dangerous) Here are 5 turbocharged [...] READ MORE

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Don’t let Trump’s tariffs ruin your business

By |2025-06-05T09:17:07+10:0004/06/2025|Categories: Blog, News for you, small business|

Trumps Tarriffs are making big waves in 2025 Just when you thought 2025 couldn’t get any weirder—Donald Trump is back in the White House. Again. Armed with a fresh spray tan and a tariff plan almost as big as his ego he's dropped the economic equivalent of a brick into the global swimming pool. And while the cannonball was aimed at China, the splash could hit your Aussie small business just as we already have high interest rates and high living costs. So, should you panic? Maybe just a little but be strategic You should get smart, review your numbers, [...] READ MORE

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Ormond Small Business

By |2025-06-04T06:05:42+10:0004/06/2025|Categories: Blog, Business growth|

Ormond Small business is the hub of our town, nestled just 12 kilometers southeast of Melbourne's CBD, Ormond is a vibrant suburb that seamlessly blends residential charm with a thriving Ormond small business community. With its rich history, diverse enterprises, and strong community spirit, Ormond offers a unique landscape for small business and locals alike. A Snapshot of Ormond Situated within the City of Glen Eira, Ormond is home to approximately 8,328 residents. The suburb boasts a mix of architectural styles, from Victorian and Edwardian homes to modern developments, reflecting its evolution over time. Key amenities include the Ormond railway [...] READ MORE

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Divorce and my business :Protecting Your Small Business During Divorce

By |2025-09-26T17:03:05+10:0025/05/2025|Categories: Blog, Dispute management, Estate Planning, Exit Planning|Tags: , , |

Divorce and my business are the number one questions that we often get asked. What happens, and how can we manage the damage when going through a divorce? We are here to help, as divorce can be hard, emotional and full of financial traps. When your ex-partner is also tied into your small business, the financial and emotional toll can be overwhelming. At Gartly Advisory, we understand that the end of a relationship isn’t just personal—it’s business. And it's where you may have questions on how divorce and my business will end up. Whether your partner was a co-owner, silent [...] READ MORE

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Why You Need to Pay Yourself a Wage as a Business Owner

By |2025-11-20T10:42:07+11:0008/05/2025|Categories: Blog, small business, Super, Taxation|Tags: , , |

For small business owners, wages and an understanding of how to pay themselves help both their personal finances and stability, as well as the long-term health of the business. Determining an appropriate wage involves balancing profitability, cash flow, and tax efficiency while ensuring the owner is fairly compensated for their time and effort. Many small business owners struggle with whether to take a salary, drawings, or dividends, each with different tax and business sustainability implications. A well-structured owner’s wage strategy can also improve superannuation contributions and support future wealth planning. As a new business owner, you’re already accustomed to [...] READ MORE

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Caravan Park Planning expanding accomodation

By |2025-04-21T13:10:57+10:0021/04/2025|Categories: Blog, Growth tools|

Caravan Park Planning: Is It Worth Adding New Cabins? When it comes to caravan park planning, timing is everything. If you manage a regional caravan park, you’ve probably noticed how shifts in local growth and tourism trends can really impact your business. Let's take a moment and analyse the decision many face—whether or not to invest in four new cabins for my park. So, is it worth it? let's explore the dilemma that one of our clients decided to undertake. The Investment in New Cabins Our clients decided that they would like to sell off 2 older cabins and purchase [...] READ MORE

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Who might be impacted by your sale of business

By |2025-04-06T08:57:47+10:0006/04/2025|Categories: Blog, Exit plan, Growth tools|Tags: , |

The sale of your business has impacts throughout your business community . The sale is an emotional one too. Your business has been part of your daily life, your community, and possibly your identity. Maybe it’s a local retail shop, a café with regulars who order “the usual,” or a growing online store where you know half your customers by name. So, what happens when you decide to sell? Beyond the dollars and paperwork, there’s a ripple effect—affecting more people (and things) than you might expect in the sale of business. Let’s walk through the behind-the-scenes heroes of your business. [...] READ MORE

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ATO interest charges

By |2025-04-05T17:06:50+11:0005/04/2025|Categories: Blog, small business, Taxation|Tags: , |

Soon, you will no longer be able to claim ATO interest charges. Navigating the Australian Taxation Office's (ATO) penalty and interest remission policies has become more challenging due to recent updates in their guidelines and policy being adhered to by the new ATO Commissioner. This will add substantially to the cost of the DEBT!Taxpayers seeking relief from penalties and ATO interest charges must now adhere strictly to the conditions outlined by the ATO Understanding ATO Interest Charges The ATO imposes interest charges to encourage timely tax payments and to ensure fairness among taxpayers. The primary types of interest charges include:- [...] READ MORE

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Don’t Stop Marketing When Business is Okay

By |2025-09-24T10:43:36+10:0031/03/2025|Categories: Blog|

Marketing, keep it coming .It’s a common trap for small business owners: things are going well, the phones are ringing, orders are coming in, and your schedule is booked out for weeks. So, you pause your marketing efforts—after all, you don’t need more customers right now, right? Wrong! The truth is that consistent marketing is not something you should only focus on during the quiet times. In fact, stopping your marketing when business is good is one of the fastest ways to hit a dry patch later. The most successful businesses understand that marketing is not just a fix for [...] READ MORE

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Tracking Sales Performance for Your Small Business

By |2025-03-26T10:00:36+11:0026/03/2025|Categories: Blog, Business growth|Tags: , , |

Every small business should take time each month to celebrate revenue growth and sales performance. It's more than a feel-good moment—acknowledging your progress is a key part of building a long-term growth strategy. If you want to be among the top-performing small businesses in your industry, you need to be actively involved in monitoring and driving sales growth. This means not just looking at your bank balance at the end of the month but digging into the data behind your revenue—what's working, what isn't, and where you can improve. Surprisingly, many small business owners don't know their exact sales performance [...] READ MORE

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Our Guide to Managing a Deceased Estate Tax Return

By |2025-09-02T22:55:30+10:0017/03/2025|Categories: Blog, Estate Planning, Taxation|Tags: , , |

Lodging a final Deceased Estate Tax Return is one of the important things to do when managing someone's final affairs. Dealing with the loss of a loved one is a deeply emotional and challenging time. Beyond grief and sorrow, there are often a number of administrative tasks to navigate. One of these tasks is managing the deceased person's tax return. It's a task that can seem daunting, especially if you're unfamiliar with the tax system. However, understanding the process can make it less overwhelming. We, as Accountants who specialise in this area, can help.In the Australian context, the taxation obligations [...] READ MORE

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Does your business team functions like a F1 racing team!

By |2025-03-26T10:03:52+11:0016/03/2025|Categories: Blog, Business growth, Services accounting for small business|Tags: |

The Importance of Teamwork in Formula 1 and How It Can Propel Your Business to Success In the high-stakes world of Formula 1, the fusion of speed, precision, and strategy is not just about pushing a car to its limits but orchestrating a team towards victory over a whole race season . This same ethos of teamwork is critical in running a successful business. Here’s how the collaborative spirit of Formula 1 can inspire your small business team to chase a championship of its own—a prosperous and profitable year. The Symbiotic Relationship Between Driver and Team In Formula 1, [...] READ MORE

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Geoff Gartly, Chartered Accountant, SMSF specialist, Business Exit Planner and Certified Business Valuebuilder Advisor, has over 35 Years of experience working with large and small businesses in accounting.

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