Xcel Advisory

Xcel Advisory Grow Your Business With The Peace Of Mind That Your Finances And Strategic Planning Are On Track

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.

31/08/2026

Selling an investment property after 2027? The numbers deserve another look. 👀

For years, the 50% CGT discount has played a big part in the property investment equation.

From 1 July 2027, that changes.

For affected investors, the 50% discount will be replaced by cost-base indexation tied to inflation, with a 30% minimum tax applying to relevant capital gains.

And if you already own the property before the changeover, the rules include transitional treatment for the gain accrued before 1 July 2027.

Translation? The timing of a future sale could matter a whole lot more.

If selling is somewhere in the next few years’ plan, now is a good time to run the numbers rather than leaving it to future you.

27/08/2026

That pre-CGT asset might not stay tax-free forever.

Assets acquired before 20 September 1985 have long enjoyed one of the most valuable protections in the Tax Act.

From 1 July 2027, pre-CGT assets will be brought into the CGT regime for gains arising from that date. Gains accrued before 1 July 2027 will remain protected under the transitional rules.

For families and businesses that have held these assets for decades, establishing the appropriate value around 1 July 2027 could become a very important tax planning exercise.

Because “we’ve always held it because it’s pre-CGT” is about to need a rethink.

25/08/2026

The 50% CGT discount is changing.

Since 1999, Australians holding eligible assets for more than 12 months have generally been able to discount their capital gain by 50%.

From 1 July 2027, the rules change.

Inflation-based indexation comes in, along with a minimum 30% tax rate on applicable real capital gains.

Property, shares, managed investments, crypto... if capital gains form part of your wealth strategy, this one deserves your attention.

Time to run the numbers before the rules start running them for you.

01/07/2026

From 1 July 2026, accounting firms will have new obligations under Australia’s AML/CTF laws.

For clients, this may mean a few extra steps before certain work can begin.

Depending on the service, we may need to verify identity, confirm details for companies or trusts, request supporting documents or ask additional questions about ownership and control.

These checks are designed to strengthen Australia’s financial system and reduce the risk of professional services being used for money laundering or other financial crime.

For most clients, the process should be straightforward. Where the new requirements apply, our team will guide you through what’s needed and help keep matters moving as efficiently as possible.

If you’re unsure how these changes may affect work we’re assisting with, please reach out to the Xcel Advisory team.

The ATO's Small Business Superannuation Clearing House is closing.The service currently allows eligible small businesses...
19/06/2026

The ATO's Small Business Superannuation Clearing House is closing.

The service currently allows eligible small businesses to make a single super payment to the ATO, which then distributes those contributions to each employee's super fund.

If your business uses the service, you'll need to move to an alternative provider before 1 July 2026.

Before the deadline, make sure you:
✓ Download your payment records
✓ Choose a new clearing house or payroll solution
✓ Update your payroll processes
✓ Test your new system

Leaving the transition until your first July pay run could create unnecessary delays and administration headaches.

Great accounting is not just about numbers. It’s about trust.Thank you to Martin for the kind words and recognition of t...
09/06/2026

Great accounting is not just about numbers. It’s about trust.

Thank you to Martin for the kind words and recognition of the professionalism, honesty and care our team brings to every client relationship.

Helping business owners make decisions with confidence is why we do what we do.

Busy jobs do not always mean profitable jobs.With fuel, material and supply costs moving quickly, fixed price contracts ...
03/06/2026

Busy jobs do not always mean profitable jobs.

With fuel, material and supply costs moving quickly, fixed price contracts can place real pressure on builder margins.

The key is visibility.

Track costs weekly, act on variations early and stress test pricing before signing the next contract.

For builders, protecting profit starts before the job begins.

Helping businesses from startup through to growth stages is what this is all about.Really appreciate the trust from John...
26/05/2026

Helping businesses from startup through to growth stages is what this is all about.

Really appreciate the trust from Johnie and the kind words about the support, guidance and accounting advice provided along the way.

If you want an accountant who understands business beyond just tax time, let’s chat.

Structure Creates Sustainable GrowthA strong business is not built on guesswork.Clear financial strategy gives you bette...
20/05/2026

Structure Creates Sustainable Growth

A strong business is not built on guesswork.

Clear financial strategy gives you better visibility, stronger decisions and the confidence to grow with direction.

At Xcel Advisory, we help business owners build the right framework around their numbers, governance and long-term strategy, so growth feels planned, not reactive.

Ready to build with more clarity?

Speak with Xcel Advisory today.

Address

138 Juliette Street, Greenslopes
Brisbane, QLD
4120

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61721019070

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