Insights
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Reducing a PAYG instalment can be appropriate when a business genuinely expects its taxable profit to fall. Learn how the ATO's 85% rule works, what evidence can support a variation and why cash flow problems should not automatically lead to lower instalments.

Payday Super has changed how employers manage superannuation contributions. Learn why contributions generally need to reach the employee's fund within seven business days and what employers should do when payments are rejected or delayed.

Sales growth does not always mean higher profit. Learn why Australian businesses can be busy and growing revenue while keeping less money, and where to look for rising costs, shrinking margins, inefficient work and cash flow pressure.

Your annual insurance renewal should be more than an automatic payment. Learn how family businesses can review premiums, payment options, insured values, coverage and key risks to make sure their insurance still provides appropriate protection at a sensible cost.

A stolen password can give attackers access to email, banking, accounting systems and sensitive business information. Discover a practical 15 minute security check every family business can use to strengthen access controls and reduce financial risk.

A rising home loan can create pressure that quietly flows into a family business. Learn how to understand household cash requirements, protect business cash flow and plan sustainable owner payments without compromising tax, debt and working capital obligations.

Rising wages do not automatically mean a business is becoming more productive. Discover practical ways to identify bottlenecks, reduce wasted time, improve processes and create more value from the people, technology and resources you already have.

The ATO can receive detailed vehicle transaction data through its motor vehicle registries data matching program. Learn how to keep your vehicle purchase, use and tax treatment consistent and properly documented.

Dynamic PAYG Instalments could change how Australian businesses manage tax payments from 1 July 2027. Discover how more responsive PAYG instalments may improve cash flow and why accurate, up-to-date accounting data will become increasingly important.

Owning a business and being a company director are not the same thing. Discover the key responsibilities every small-company director should understand, from financial oversight and governance to ASIC compliance and managing business risk.

Company having a tough year? Your tax loss may now create a cash refund. Australia's reintroduced loss carry-back rules could help eligible companies turn current tax losses into valuable cash flow, while prior tax paid and franking credits remain important considerations.

Behind every successful business is a series of important decisions. In these real business stories, Melissa shares practical lessons inspired by real-life client experiences involving business structures, partnerships, property ownership, succession planning, and asset protection. From a growing plumbing business to a multi-generational family farm, each story demonstrates how seeking advice early can prevent costly mistakes and create better long-term outcomes. Discover how