Navigate Advisory

Navigate Advisory We help forward-thinking individuals, families and business owners define, design and live a great life.

Last Friday, we hosted an Executive Women's Luncheon bringing together extraordinary female clients who are making signi...
02/06/2026

Last Friday, we hosted an Executive Women's Luncheon bringing together extraordinary female clients who are making significant impacts in their fields and communities.

Thank you to everyone who attended and shared your insights. Your presence made the conversation all the more valuable.

Over lunch, we explored a challenge many high-achieving women know all too well: how to build careers and lives you're proud of... without burning out in the process.

Our Guest Speakers:

Diana Mousina, Deputy Chief Economist at AMP. Diana shared practical insights into the current market landscape and what we can expect economically over the coming months. She gave essential knowledge for women in leadership managing both careers and wealth.

Angela Davies, Founder of Mind Your Grit. Angela challenged the myth that high performance requires sacrifice. Her message was powerful: small, consistent actions compound into meaningful long-term results. A simple example that resonated with many: "10 squats every hour can significantly reduce the impacts of prolonged sitting."

Sustainable success means looking after yourself while you're building extraordinary things. Whether it's managing your health, your wealth, or your energy, the small decisions matter most.

Thank you to Diana and Angela for bringing such thoughtful perspectives to our community and to Mercer for hosting us!

The changes are significant. But there's an 18-month runway to plan, restructure where needed, and make decisions with y...
27/05/2026

The changes are significant.

But there's an 18-month runway to plan, restructure where needed, and make decisions with your eyes open.

Remember, things are still unfolding. Speak to your financial adviser before making any decisions.

Read the full breakdown (including key dates, winners and losers, and worked examples) can be found here: https://navigateadvisory.com.au/federal-budget-2026/

EOFY looks different in retirement. You're not chasing deductions the same way. You're protecting your wealth, managing ...
21/05/2026

EOFY looks different in retirement.

You're not chasing deductions the same way. You're protecting your wealth, managing tax inside super, and making sure you're not accidentally reducing your pension entitlements.

A few things that matter before June 30:

- If your super is still in accumulation phase and you're eligible to commence a pension, starting before June 30 could mean the difference between paying up to 15% tax on earnings this year and paying nothing.

- Your super balance at June 30 is what Centrelink uses to calculate deemed income for the next period. The timing of withdrawals and contributions around EOFY can affect your pension payments.

- Centrelink's gifting rules allow up to $10,000 in a single financial year. If you're planning a gift, doing it before June 30 means it counts against this year's allowance.

We've put together a full checklist covering tax and accounting, super and wealth, and loans and debt.

Save this post and work through it before June 30.

Read the full guide here: https://navigateadvisory.com.au/eofy-tax-tips-retirees-sydney/

This is general information only. Please seek professional advice for your situation.

Sole traders sit in an interesting spot. You have the flexibility of a business but the tax structure of an individual. ...
19/05/2026

Sole traders sit in an interesting spot.

You have the flexibility of a business but the tax structure of an individual.

That creates both opportunities and traps before June 30.

A few things worth actioning before the end of the financial year:

- The $20,000 instant asset write-off applies to sole traders too, as long as the asset is installed and ready for use before June 30.

- As a sole trader, you can make personal super contributions up to the $30,000 concessional cap and claim a tax deduction. You'll need to submit a Notice of Intent to your super fund.

- If your net income is consistently above $120,000, it's worth having the conversation about whether your current structure is still the most tax-effective option.

We've put together a full checklist covering tax and accounting, super and wealth, and loans and debt.

Save this post and work through it before June 30.

For the full guide, read it here: https://navigateadvisory.com.au/eofy-tax-tips-sole-traders-sydney/

This is general information only. Please seek professional advice for your situation.

If you're a business owner, there are financial moves worth making before EOFY across tax, super, and your loan structur...
14/05/2026

If you're a business owner, there are financial moves worth making before EOFY across tax, super, and your loan structures.

A few things that catch business owners off guard:

1. The $20,000 instant asset write-off requires the asset to be installed and ready for use before June 30. Buying it isn't enough.

2. Division 7A loans that don't meet minimum repayments by June 30 can be treated as unfranked dividends. That's a costly surprise.

3. Carry-forward super contributions are one of the most powerful and under-used strategies we see. Some clients have up to $167,500 in available cap space.

We've put together a full checklist covering tax and accounting, super and wealth, and loans and debt.

Save this post and work through it before June 30.

For the full guide: https://navigateadvisory.com.au/eofy-tax-tips-business-owners-sydney/

This is general information only. Please seek professional advice for your situation.

A lot of employees assume EOFY is just about lodging a return and hoping for a refund.There's actually more you can do t...
12/05/2026

A lot of employees assume EOFY is just about lodging a return and hoping for a refund.

There's actually more you can do than you might realise.

From topping up your super to claiming every work-related expense you're entitled to, reviewing your mortgage, and timing your investment decisions, the window before June 30 is worth using well.

We've put together a checklist covering three areas:

- Tax and accounting
- Super and wealth
- Loans and debt

Save this post and work through it before June 30.

For the full guide, read it here: https://navigateadvisory.com.au/eofy-tax-tips-employees-sydney/

This is general information only. Please seek professional advice for your situation.

Over the next two weeks, we're sharing four tailored EOFY checklists and guides, one for each situation:- Employees- Bus...
07/05/2026

Over the next two weeks, we're sharing four tailored EOFY checklists and guides, one for each situation:

- Employees
- Business owners
- Sole traders
- Retirees

Each one covers tax and accounting, super and wealth, and loans and debt, with specific actions you can take before June 30.

If you'd like to talk through your situation before the end of the financial year, reach out to the team today. You can also read the full blogs on our website: https://navigateadvisory.com.au/insights/

At its meeting today, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25%, with the official cash r...
05/05/2026

At its meeting today, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25%, with the official cash rate now sitting at 4.35%.

Today’s decision reinforces the RBA’s ongoing priority to bring inflation back within its 2–3% target range.

The decision was supported by data released last week which showed inflation has continued to increase, largely due to global conflict-driven supply issues and higher fuel costs.

The data highlighted:

🔹 Headline inflation has risen to 4.6% for the 12 months to March 2026, up from 3.7% in February 2026.

🔹 Underlying (trimmed mean) inflation sits at 3.3%.

Fuel price inflation can take time to unwind, meaning price pressures may remain elevated even if broader economic conditions begin to stabilise.

As the RBA navigates this more complex environment, staying informed about interest rate movements and what they mean for your financial position is increasingly important.

Whether you’re considering purchasing a home, refinancing to review your loan structure, or exploring investment opportunities, now is a timely opportunity to review your current lending arrangements and future plans.

If you’d like to have a chat about what today’s news means for you and your finances, please don’t hesitate to get in touch.

https://navigateadvisory.com.au/contact/

Josie worked with our team members Jenna and George as she navigated purchasing their first home. What started as a comp...
30/04/2026

Josie worked with our team members Jenna and George as she navigated purchasing their first home.

What started as a complex journey became a supported, informed process.

What made the difference?

1. Outstanding guidance through each stage of the purchase
2. Consistent financial management advice tailored to their situation
3. Thoughtful, caring service that went beyond the transaction

This is exactly why we do what we do. Helping first home buyers understand every decision, optimise their financial position, and feel confident as they reach this incredible milestone.

If you're navigating your first home purchase and want technically expert, personally supportive advice, we'd love to have a chat about how we can help you too.

Join us in congratulating our Senior Financial Adviser, Dennis Spiroski, on reaching an incredible 10 years with Navigat...
28/04/2026

Join us in congratulating our Senior Financial Adviser, Dennis Spiroski, on reaching an incredible 10 years with Navigate Advisory!

Dennis has a rare gift for making complex financial concepts simple and accessible. His clients know that lightbulb moment when everything finally clicks, when their financial life makes sense.

His specialisation in pre-retirement planning and aged care has helped countless clients navigate superannuation, investments, income streams, and Centrelink with confidence.

He connects all the dots into cohesive plans that let people enjoy the retirement lifestyle they've envisioned... the special trips, the gifts for grandkids, the freedom to live life to the fullest.

Thank you for 10 amazing years, Dennis! Here's to many more.

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