HPartners

16/10/2026

Super has a sneaky habit of sounding more complicated than it is.

Take “concessional vs non-concessional” — two words that just mean before tax and after tax.

💙 Concessional = your employer super + salary sacrifice. Taxed at 15% on the way in.
💙 Non-concessional = straight from your take-home pay. Already taxed, so nothing more going in.

Same goal, two ways to get there. Which one suits you comes down to your income and where you’re at in life.

Not sure which to lean on? That’s our happy place — have a chat with the HPartners team. 👋

15/10/2026

Whether you’ve just landed your first job, you’re swapping sleep-ins for nappy changes, or retirement is starting to creep up, every stage of life brings its own big money questions.

In this video, Nat explains how we help at each stage:

Think of it like training for a marathon. You wouldn’t start the week before race day! 🏃

Ready to map out your next step? Have a chat with the HPartners team 👉 hpartners.com.au

14/10/2026

Your mortgage called. It wants to leave earlier 🏡

Small changes can make a big dent. On a $600k loan, just $200 extra a month could save you around $122,000 in interest and get you mortgage-free about 4 years sooner. No two-minute noodle diet required 🍜

We’ve rounded up 7 easy ways to start paying off your mortgage faster, with real numbers for each 👇
hpartners.com.au/paying-off-a-mortgage-faster/

13/10/2026

September in one sentence: interest rates went up, bond yields went up, and the ASX went… the other way.

Our September Economic Snapshot, prepared by Michael Furey of Delta Research & Advisory, unpacks a busy month:

🔺 Central banks in Australia, the US, Europe and Japan all lifted rates by 0.25%
📈 Bond yields climbed to levels we haven’t seen in around 15 years
🇦🇺 The Australian sharemarket dipped 2.4%. But a weaker Aussie dollar meant global investors still came out ahead (every cloud…)
🌏 Emerging markets were September’s quiet achiever, up 2.5%

Volatility is here for a while, so now’s the time for a steady hand rather than a twitchy trigger finger. Staying diversified and avoiding panic-selling still matter most for long-term investors.

Grab a coffee ☕ and have a 3-minute read 👇
https://hpartners.com.au/economic-snapshot-september-2026/

This September 2026 Economic Outlook article is prepared by Michael Furey, Principal of Delta Research & Advisory, on behalf of the HPartners Group.

13/10/2026

Sorry to be the bearer of bad news… but that flat white with a potential client? Not tax-deductible. ☕😬

Coffees and lunches with clients count as entertainment expenses, and for individuals the ATO's answer is a firm no.

A few more tips from our accounting team:

🧾 If your work-related expenses add up to more than $300, you'll need receipts to back them up.
📁 We don't need to see every single one, but you do need to keep them, for 5 years from when you lodge.
📸 Snap a photo of receipts as you go, before they fade into mystery paper at the bottom of your bag.

Still haven't done your return? If you're lodging it yourself, 31 October is the deadline. Getting a registered tax agent (hi 👋) on board before then can buy you extra time. Book a chat via the link in our bio.

13/10/2026

Ever seen someone cram every snag onto one corner of the BBQ? 🌭🔥 One flare-up later and dinner's charcoal.

Your money works the same way. Spread it across different investments and markets, and if one has an off day, there's still plenty cooking on the hotplate.

That's diversification. Fancy word, simple idea. 😉

Wondering if your plate's looking a bit lopsided? Have a chat with the HPartners team and we'll help you work out what a balanced spread looks like for you.

📞 1300 656 260 | 🔗 Link in bio

08/10/2026

Planning the work Christmas party? 🎄 Before you book the venue, here's a fun fact: "fringe benefits tax" can sneak onto the guest list.

The good news is the rules are simpler than they sound. Keep it under $300 per head and most businesses won't pay a cent of FBT. The catch is that usually means no tax deduction either.

Our latest blog breaks down Christmas party tax: on-site vs off-site parties, staff gifts, client hampers, and the traps that catch business owners out.

👉 hpartners.com.au/christmas-party-tax/

Planning a Christmas party? Here's how Christmas party tax and Fringe Benefits Tax work, what's deductible, and how to keep the ATO happy.

06/10/2026

The scariest thing happening on 31 October isn't Halloween. 👻

Here are your October tax dates:

🗓️ 21/10: September monthly BAS
🗓️ 28/10: Q1 BAS and PAYG instalments
🗓️ 31/10: Tax returns for self-lodgers (it's a Saturday, so you've got until Monday 2 November)

Want until May 2027 instead? Get on our client list before 31 October and we'll take it from there, as long as your previous years' returns are up to date. 🙌

Save this post so future you can say thanks.

👉 Book a chat at hpartners.com.au

06/10/2026

Brisbane property is cooling off 🌦️

After years of "up, up and up again," Brisbane home values recorded the biggest monthly fall of any capital city in September. Before you panic: prices are still higher than a year ago, and a cooler market can mean more choice for buyers.

We've unpacked what's going on, and what it means for you, in plain English.
Read it here: https://hpartners.com.au/brisbane-property-slump/

05/10/2026

Super and pension: same thing, right? 🤔 Not quite!

Think of your super like a bucket 🪣
While you're working, you're filling it up with employer contributions plus anything extra you pop in yourself. That's accumulation phase.

Pension phase is when you start drinking from the bucket 💧 Ideally the money inside keeps growing, while you draw an income to replace your pay packet.

And the switch doesn't have to happen overnight. When and how you move across depends on your balance, your goals and the lifestyle you're after 🌴

Got questions about your own bucket? Talk to a human, link in bio 👆