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The proposed 30% minimum tax on discretionary trusts is now before Parliament, with commencement planned for 1 July 2028...
15/10/2026

The proposed 30% minimum tax on discretionary trusts is now before Parliament, with commencement planned for 1 July 2028.

For affected trusts, the key pathways may include paying the minimum tax, making an eligible election, or restructuring under rollover relief.

If a discretionary trust forms part of your structure, now is the time to understand which option may apply.

13/10/2026

A 30% minimum tax on discretionary trusts could change who benefits most from trust distributions.

Under the proposed rules, the trustee would pay a minimum 30% tax, with non-corporate beneficiaries receiving a non-refundable credit for that tax.

For beneficiaries on lower marginal tax rates, that could mean part of the credit goes unused.

That makes distribution planning even more important, particularly for families using trusts as part of their broader tax and wealth strategy.

The legislation is still being finalised, so the detail matters.

Have a family trust?A proposed 30% minimum tax on discretionary trusts is currently intended to commence from 1 July 202...
08/10/2026

Have a family trust?

A proposed 30% minimum tax on discretionary trusts is currently intended to commence from 1 July 2028.

While the headline sounds significant, Treasury says fewer than 10% of Australia’s 2.7 million active small businesses are expected to be affected in any given year.

The outcome will depend on how your trust is structured, who the beneficiaries are, how distributions are made and whether any exclusions or alternative arrangements apply.

If you operate through a discretionary trust, now is a good time to start reviewing your structure and understanding where you may sit under the proposed rules.

Speak with Xcel Advisory if you’d like help reviewing the potential impact on your business or investment structure.

General information only. Proposed legislation may change before becoming law.

Meet James Ginty, Founder and Director of Xcel Advisory Group. For the past 13 years, James has worked alongside SMEs th...
06/10/2026

Meet James Ginty, Founder and Director of Xcel Advisory Group.

For the past 13 years, James has worked alongside SMEs through every stage of business growth, from early decisions through to bigger strategic moves.

His approach is simple: advice should evolve as the business does.

As goals change, challenges shift and opportunities open up, James focuses on helping clients stay proactive, make informed decisions and keep moving forward with confidence.

A new 50% CGT concession for innovative businesses is being designed.Treasury has released exposure draft legislation fo...
28/09/2026

A new 50% CGT concession for innovative businesses is being designed.

Treasury has released exposure draft legislation for the proposed Innovative Business CGT Concession.

If implemented as proposed, eligible early-stage investors in qualifying innovative businesses could receive a 50% discount on eligible capital gains.

The latest draft also includes some significant changes from the Government's earlier proposal:

• Minimum holding period reduced to 3 years
• Eligibility period extended to 15 years
• The proposed lifetime cap has been removed

For founders, employees and early-stage investors, this could become an important consideration when structuring investment and planning a future exit.

The detail will matter, particularly around which businesses and investments qualify.

If you're building a business with an eventual sale or investment event in mind, tax planning should start well before the transaction itself.

Speak with Xcel Advisory about your broader business and tax strategy.

General information only. This does not constitute tax, financial or legal advice.

22/09/2026

Timing has always mattered when selling an asset.

From 1 July 2027, it could matter even more. 👀

The existing 50% CGT discount will no longer apply to gains accruing from that date, with inflation-based cost-base indexation and the new minimum 30% tax rules taking its place for relevant gains.

So if selling a property, shares or a business is somewhere on the horizon, it could be worth modelling both sides of the 1 July 2027 line.

Sell sooner? Hold longer? Keep growing?

There’s no universal answer, but there is a much better answer once you’ve run the numbers.

Because “we’ll deal with the tax when we sell” might be an expensive strategy.

Strong businesses do not guess their way forward.Without a clear budget and forecast, decisions react to problems instea...
17/09/2026

Strong businesses do not guess their way forward.

Without a clear budget and forecast, decisions react to problems instead of preventing them.

Xcel Advisory builds structured plans that show where your business is heading and what needs attention before it becomes an issue.

If better control and clearer direction matter, start here.

15/09/2026

The tax rules have changed. Now comes the slightly less exciting part: getting your house in order. 👀

For business owners and investors, a few things should be on the radar before 1 July 2027.

Establish the value of relevant assets. Review whether your current structure still makes sense. And understand how the new CGT rules could affect the decisions you make from here.

You don’t necessarily need a valuation completed on 1 July 2027 itself, but having solid evidence of market value around that date could become very important when an asset is eventually sold.

And with further trust reforms still being developed, this probably isn’t the time for knee-jerk restructuring either.

Review. Model. Then decide.

Future you will appreciate the paperwork.

09/09/2026

Your business might be your biggest asset. It might also be your retirement plan.

And from 1 July 2027, the CGT calculations around a future exit are changing.

The existing 50% CGT discount will generally give way to inflation-based cost-base indexation, with a 30% minimum tax applying to relevant real capital gains.

For business owners planning an exit years from now, that puts even more importance on succession planning, business structure and understanding what your after-tax sale proceeds could actually look like.

The good news? The existing small business CGT concessions remain available for eligible businesses.

So before you start mentally spending the sale proceeds, make sure you’ve run the numbers.

02/09/2026

Property has been getting all the attention, but your share portfolio didn’t escape the memo.

From 1 July 2027, the 50% CGT discount will generally be replaced with inflation-based cost base indexation for eligible investments, including shares and managed funds.

There’s also a new 30% minimum tax rate applying to relevant capital gains after indexation.

For anyone building a growth portfolio with the intention of drawing it down later in life, that could materially change the after-tax numbers.

And it may put a little more attention on what your investments are delivering along the way, not just what they might be worth when you sell.

Capital growth still matters. The strategy around it may need another look.

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138 Juliette Street, Greenslopes
Brisbane, QLD
4120

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