Insights
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A competitive interest rate does not automatically make a home loan the right choice. Discover why borrowers should compare fees, loan features, refinancing costs and existing business financial arrangements before deciding whether to switch lenders.

Proposed changes to Australia's discretionary trust tax rules have raised questions for families who have relied on their existing structures for years. Discover what the proposed 30% minimum tax could mean, which exclusions may apply and why reviewing your trust deed, distributions and long-term family plans is important before making structural changes.

A major change to Australian life insurance rules took effect on 8 October 2026, preventing insurers from using protected genetic-testing information in underwriting decisions. While this removes a significant barrier for many Australians, family business owners should use the change as an opportunity to review their insurance, succession and wealth-protection strategies to ensure they remain aligned with their current needs and circumstances.

National economic growth does not always reflect the conditions facing individual businesses. Learn how SMEs can monitor sales volume, gross margins, debtor days and operating cash flow to identify financial pressure early and prepare for changing economic conditions.

Your supplier's product price may stay the same while freight, fuel levies and logistics surcharges quietly reduce your margins. Learn how to identify hidden costs, calculate true landed cost and make informed pricing and supplier decisions.

Tax compliance costs extend beyond accounting fees. Complex rules can consume valuable time, increase administrative expenses and delay important business decisions. Discover practical ways to streamline processes and reduce unnecessary compliance work.

Rising fuel prices can affect far more than transport expenses. From freight and supplier increases to inflation and working capital pressure, discover how businesses can assess their exposure, protect margins and make better pricing decisions.

A commercial lease can affect cash flow, profitability and the future value of your business. Understanding the full occupancy cost, annual rent increases, guarantees and exit obligations can help you make more informed leasing decisions.

An interest rate increase can affect more than loan repayments. Discover how to assess your debt exposure, calculate additional interest costs and stress test your business finances to make more informed decisions.

A familiar sales price does not always mean a familiar profit. Rising fuel, labour, freight, materials and other input costs can quietly reduce gross margin and turn previously profitable work into a margin problem.

A business plan should not depend on interest rates falling quickly. Learn how to stress test debt, cash flow, revenue and refinancing decisions so your business can remain resilient if borrowing costs stay elevated.

Fast business growth can put pressure on cash even when profits are rising. Learn how working capital, debtors, stock, work in progress, capital expenditure and your balance sheet can determine whether growth strengthens your business or creates financial stress.

Your business may outlive your working life. Learn how family businesses can prepare for leadership, ownership, knowledge and wealth succession.

Owner injections can keep a business moving, but repeated personal funding may hide deeper cash flow problems. Learn how to identify the cause and determine whether the business is genuinely supporting itself.

Your accounts show what you invoiced, but they may not show the value of work you delivered without charging for it. Learn how unbilled work, scope creep and unpaid variations can quietly reduce profitability.

A proposed trust tax rollover may reduce some federal income tax consequences of restructuring, but changing a trust structure can affect much more than tax. Discover seven important areas family businesses should review before restructuring.

Reducing a PAYG instalment can be appropriate when a business genuinely expects its taxable profit to fall. Learn how the ATO's 85% rule works, what evidence can support a variation and why cash flow problems should not automatically lead to lower instalments.

Australia's proposed Innovative Business CGT Concession could provide a 50% discount on eligible capital gains from qualifying early stage investments. Learn how the proposal could affect investors and why eligibility, investment structure and due diligence still matter.

Payday Super has changed how employers manage superannuation contributions. Learn why contributions generally need to reach the employee's fund within seven business days and what employers should do when payments are rejected or delayed.

Sales growth does not always mean higher profit. Learn why Australian businesses can be busy and growing revenue while keeping less money, and where to look for rising costs, shrinking margins, inefficient work and cash flow pressure.