Refresh Advisory

01/06/2026

⏰ 30 June is 29 days away and most Australians will miss this tax move entirely.

Super contributions are one of the most powerful ways to reduce your taxable income before the financial year ends. But the window is closing fast, and there are a few mistakes that catch people out every single year.

In our latest blog we break down:
✅ How concessional contributions work (and what the $30,000 cap means for you)
✅ The "Notice of Intent" step most people forget
✅ Catch-up contributions: carry forward unused cap from previous years if your super balance is under $500K
✅ Why you should aim to contribute by June 25 (not June 30)

Tax you don't pay before June 30 is tax you owe after June 30.

We're also offering a free 30-minute super contribution review before 20 June. DM us or email [email protected] to book in.

👇 Full blog link below
https://www.refreshadvisory.com.au/blog/super-contributions-your-most-overlooked-tax-lever-before-30-june

Reduce your taxable income through strategic super contributions. Tax you don't pay before June 30 is tax you owe after June 30.

12/05/2026

Lots of misinformation, opinions and fear mongering posts out there at the moment! 🚨 Don’t panic, don’t make drastic decisions just yet. The federal budget JUST got released last night - it’s been just over 12 hours.

09/05/2026

Payday Super isn’t just an employer problem! Ensure you take proactive steps as SMSF Trustees!

SMSFs must take proactive steps to be ready for Payday Super or risk employer contributions failing to reach their fund. https://ow.ly/gMg650YVU08

06/05/2026

The RBA just raised rates to 4.35%. Your wealth strategy needs to respond. Here's what to look at now. 👇

Most people feel rate rises in their mortgage repayments and stop there.

But if you have an SMSF, investment property, or super balance - there's more going on. And some of it is actually working in your favour.

→ Your SMSF cash and fixed income holdings should be earning more
→ Your investment property interest deductions have gone up
→ Your super contributions are still one of the lowest-taxed moves available
→ Catch-up contributions could let you contribute more than the standard cap this year - all deductible

The catch? Almost all of this needs to happen before 30 June.

📩 DM us "WEALTH" and we'll reach out to book an SMSF strategy session before EOFY.

06/05/2026

If you are trying to reduce your student loan ahead of indexation on 1 June, you need to make sure you allow enough time for payments to be processed. The ATO recommends that voluntary repayments are to be made prior to 26 May.

05/05/2026

The RBA just raised the cash rate to 4.35% - the THIRD hike in 2026. 📈

That's three consecutive increases this year, fully wiping out the three cuts we saw in 2025.

If you're a business owner, this isn't just news. It's a signal.

Here's what the smart ones are already doing:

🔹 Reviewing the deductibility of their business loan interest (yes, every dollar of interest on a business loan is potentially deductible... are you tracking it properly?!)
🔹 Timing their equipment purchases strategically before 30 June to maximise write-offs
🔹 Reassessing their business structure. The way your business is set up affects how much tax you pay when margins tighten
🔹 Reviewing how they're paying themselves: salary, trust distribution or dividend? The answer matters more than ever right now
🔹 Sitting down with their accountant NOW, not in July when it's too late

Higher rates mean higher costs... but they also mean more legitimate tax planning opportunities IF you know where to look.

The question isn't whether the rate rise hurts, it's whether you have a plan.

📩 Drop us a message ([email protected]) to book a tax planning session. Let US make sure YOU'RE NOT PAYING A CENT MORE than you need to.

25/04/2026

📢 Big payroll changes are coming for Australian employers. Is your business ready?

From 1 July 2026, super must be paid with every single pay run - not quarterly. That means every weekly, fortnightly or monthly pay cycle needs super calculated and sent at the same time.

This shift affects your cash flow, your payroll systems and your compliance obligations. The earlier you prepare, the smoother the transition.

Reach out if you’d like help getting your processes sorted well before the deadline.

📧 [email protected]

27/03/2026

🎉 We've just launched something we're really proud of.

The Refresh Advisory Sole Trader Income & Expense Tracker is now available; and if you're a sole trader or small business owner in Australia, we think you're going to love it.

Here's the problem we set out to solve: most sole traders either pay for accounting software they barely use, or they cobble together a messy spreadsheet that breaks every time they open it. Neither is great.

So we built a clean, professional Excel tracker that does the hard work for you:

📅 Automatic month-by-month income and expense summary
💸 GST calculated and stripped from all figures automatically
🧾 Accountant-ready EOFY Tax Summary - share it straight from the file
🔄 Dynamic financial year: update one cell and it works forever
✅ 26 ATO-aligned expense categories via dropdown

It's $29 AUD, one-time. No subscriptions, no monthly fees... just a tool that works.

👉 Grab it here: https://www.refreshadvisory.com.au/store/p/sole-trader-income-expense-tracker

Know someone who could use this? Tag them below 👇

Track income, expenses and GST automatically with this Excel spreadsheet for Australian sole traders and small business owners. Small Business Income & Expense Tracker

23/03/2026

How are you currently tracking your income and expenses?

If the answer is 'a spreadsheet I made myself', 'my bank statements', or 'I'll sort it at tax time'... we made something just for you.

Our Sole Trader Income & Expense Tracker is a professionally built Excel file that handles your bookkeeping automatically. Log your transactions, and it takes care of your monthly summaries, GST tracking, and a full EOFY tax summary - ready to hand straight to your accountant (lol, us!).

It works for every financial year (change one cell, done), and it's a one-time purchase of just $29 AUD.

We'd love to hear from you - drop a comment below and let us know how you currently manage your books. We're always looking for ways to make things easier for business owners. 💚

Get yours here:

Track income, expenses and GST automatically with this Excel spreadsheet for Australian sole traders and small business owners. Small Business Income & Expense Tracker

16/02/2026

What Are the Tax Benefits of an SMSF?🤔

Are you considering an SMSF but wondering about the tax advantages?

Whether you're a high-income earner seeking tax optimisation or planning for retirement, understanding SMSF taxation is crucial.

Find out if the tax benefits of an SMSF justify the costs and compliance requirements for your situation. Read our analysis on Australian superannuation tax rates, estate planning, and CGT exemptions for commercial property in SMSFs.

https://www.refreshadvisory.com.au/blog/what-are-the-tax-benefits-of-an-smsf

Are you considering an SMSF but wondering about the tax advantages? Self-Managed Superannuation Funds offer some of Australia's most generous tax concessions. . Whether you're a high-income earner seeking tax optimisation or planning for retirement, understanding SMSF taxation is crucial. Find out i