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October 2025 Newsletter

By |2025-10-06T18:56:32+11:0006/10/2025|Categories: Blog, CGT, Estate Planning, SMSF, Super, Taxation|Tags: , , , , , , , , |

This month, we bring you a selection of timely and practical articles covering key updates in tax and superannuation – all designed to keep you informed, confident, and in control of your finances.   In this edition:     Protecting your super from scams – with over $4 trillion in superannuation, it’s no wonder scammers see it as a target. ASIC has warned Australians to stay vigilant amid rising pushy sales tactics and false promises aimed at persuading people into risky super fund switches. Since your super is one of your most significant investments, we outline key steps to help safeguard [...] READ MORE

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Transitioning from builder to property developer

By |2026-01-13T11:06:35+11:0029/09/2025|Categories: Blog, Business growth, Trade & construction|Tags: , , , , , |

If you’re a small builder ready to move beyond client projects and step into the more profitable world of property development, particularly townhouse developments, we’re here to help guide that transition. Property development is not just construction — it’s a business that demands careful planning, strong financial management, and a clear understanding of risk. In this guide, we explore essential strategies for cost control, GST management, and building a development business that doesn’t just survive, but thrives. While demand for townhouses remains strong, rising construction costs, complex regulations, and fierce competition for quality land continue to place pressure on [...] 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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September 2025 Newsletter

By |2025-10-05T23:58:38+11:0002/09/2025|Categories: Blog, CGT, Estate Planning, Super, Taxation|Tags: , , , , , , , , |

  Here’s what’s inside our September newsletter:   Economic roundtable wash up – We break down last month’s economic and productivity roundtable outcomes, with the government firmly in control of what tax policy measures might or might not be introduced down the track. Exceeding your super contribution caps – Super is a great tool for retirement savings, but annual contribution limits apply. We explain what to do if you go over the cap and how to navigate the rules effectively. CGT and off the plan purchases – Buying property off the plan? There are important CGT implications you need [...] READ MORE

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How to buy a Franchise?

By |2026-01-24T13:39:20+11:0031/08/2025|Categories: Blog, Business growth, franchise, Services accounting for small business, small business|

We are often asked - how to buy a franchise business . If you are thinking about buying a franchise then lets out line what to look for? Before you get to enthused over that shiny logo or start dreaming of matching polos with your name embroidered on them, hit pause button and ask the most important question of all: Why do I want to buy a franchise?Take a moment to ask what attracts you to buying a franchise and what will it bring to me as a business owner? Owning a franchise isn’t for everyone—and it certainly isn’t a [...] READ MORE

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August 2025 Newsletter

By |2025-10-06T00:04:20+11:0007/08/2025|Categories: Blog, CGT, News for you, small business, SMSF, Super, Taxation|Tags: , , , , , , , , |

    What’s inside our August Newsletter?     Unlocking savings: Your guide to Government concession cards Some CGT consequences of divorce and relationship breakdown The great wealth transfer: Are you ready? Self managed super funds: A suitable path to retirement control? What to expect from tax reform Tax deductibility of clothing     Click here to download our August Newsletter     Contact us on 03 9597 9966 if you have any questions relating to matters raised in any of our Client Newsletters.

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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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July 2025 Newsletter

By |2025-10-06T00:10:05+11:0001/07/2025|Categories: Blog, Business growth, small business, SMSF, Super, Taxation|Tags: , , , , |

As we start the New Financial Year, here's a few things you will find helpful.   What’s inside the July edition?    Working from home and occupancy costs Super guarantee increase to 12% New super facts and figures from 1 July 2025 Age pension means test changes – what they mean for you Changes to deductibility of interest on ATO debts Selling shares? Beware of all the CGT rules.     Click here to download our July Newsletter     Contact us on 03 9597 9966 if you have any questions relating to matters raised in any of our Client [...] 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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June 2025 Newsletter

By |2025-10-06T00:16:04+11:0002/06/2025|Categories: Blog|Tags: , , , , , , , , |

In this edition, we’ve pulled together some key updates and practical tips to help you stay ahead with your tax and super planning as we head towards 30th June and beyond.   1. Get on the front foot for your 2024-25 tax return We take a closer look at some common deductions that the ATO often keeps a close eye on, like working from home costs and using your own car for work. Our tips will help you get your claims right and avoid unwanted surprises.   2. Proposed Division 296 tax: Key issues and implications There’s been a [...] 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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May 2025 Newsletter

By |2025-04-30T19:25:40+10:0001/05/2025|Categories: Blog, CGT, Estate Planning, News for you, Super, Taxation|Tags: , , , , , , , |

This month we features articles on: • Good CGT records can save you money • Concessional super contributions vs mortgage paydown: what’s the smarter move? • Writing a will in a tax-effective manner • Binding death benefit nominations explained • Small-scale subdivision and property development Click here to download our May Newsletter Contact us on 03 9597 9966 if you have any questions relating to matters raised in any of our Client Newsletters.

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Why Business Owners Should Act Now before 30th June, 2025

By |2025-04-24T13:02:26+10:0024/04/2025|Categories: Blog, News for you, Services accounting for small business, small business, Taxation, Trade & construction|Tags: , , , , , , , , |

  As June 2025 is fast approaching, this is a friendly reminder to take advantage of the $20K Instant Asset Write-Off & EV FBT Perks before it’s too late and Politicians change their mind!     💥 Slash Your Tax Bill Instantly Eligible businesses can deduct the full cost of assets (up to $20,000 each) in the same year that they are purchased and installed—no waiting, just real-time tax savings. 💸 Free Up Cash Flow & Fuel Growth Less tax = more cash to reinvest in other parts of the business such as Hiring and upskilling staff, Marketing campaigns, Office [...] READ MORE

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April 2025 Newsletter

By |2025-04-23T22:45:12+10:0023/04/2025|Categories: Blog, Business growth, Estate Planning, Exit Planning, Services accounting for small business, small business, Taxation|

Our April edition features pieces on: • We may need to talk about your family trust • Selling property? Buyers must withhold and pay the ATO! • Three great reasons to start a transition to retirement pension • Employees vs contractors: what sets them apart • No CGT exemption for homes held on trust • Concessional contributions: can there be too much of a good thing? Click here to download our April Newsletter Contact us on 03 9597 9966 if you have any questions relating to matters raised in any of our Client Newsletters.

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Budget 2025-26 Newsletter

By |2025-04-23T22:35:17+10:0023/04/2025|Categories: Blog, News for you, Taxation|

Below are some of the key tax, superannuation and cost of living highlights you need to know: • Personal tax cuts • Medicare Levy low income thresholds increased • Higher education loan repayment changes • The missing Instant Asset Write-Off legislation • Super Guarantee payable on payday from 1 July 2026 • Extra tax for super earnings for account balances above $3 million • Energy bill relief • Expanding bulk billing incentives • Cheaper medicines Click here to download our Budget Newsletter Please feel free to contact our office on 03 9597 9966 if you have any queries about [...] 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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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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How To Maximise Profit for Your Business

By |2025-08-28T08:14:49+10:0007/03/2025|Categories: Blog, Business growth|Tags: , , |

To maximise profit is not that hard. It would be best if you focused on a few changes in your business. Running a business allows your creativity to thrive. You are in charge and can make decisions that push you out of your comfort zone. Making a profit is one of the most important business operations.One of the best profit leavers is to increase Gross Margin. Look at how your Gross Profit looks . This is Sales less direct costs to provide the product or service. Lets explore Sale 1 - $1000 . - less product cost of say [...] READ MORE

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Product development and keeping your products or service new

By |2025-03-05T10:03:25+11:0005/03/2025|Categories: Blog, Business growth|Tags: |

  Product development and growth are essential for any business. A product in your business has a lifecycle and a potential use-by date. Keeping it vibrant in the market requires continuous effort, creativity, and passion. Take a moment to evaluate your products; have they been around for a while? As the years go by, even the most popular items you have been selling can lose their sparkle and appeal. That's why it's essential for small business owners to rejuvenate their product offerings bi-annually. My father was the accountant for Hills Industries, and I, too, worked there as a student, [...] 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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|  Privacy Policy & Website terms and conditions
| Complaints Policy |  Financial Services Guide

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