NF Accountants & Advisors

02/04/2026

Hi everyone,
re you serious about keeping money in your pocket and not the ATO's?

If you run a business, do you have a plan for next financial year? If you answered no to either of these, reach out today.

With the current state of the world, why would you want to give the ATO more money than you need to?

And if you're a business owner, how will you know how to react when interest rates spike or petrol prices go through the roof again?

As we approach End of Financial Year, if your accountant hasn't spoken to you about tax planning or your budget for next FY, it might be time to find a new one.

Ditch them like Taylor Swift ditches her boyfriends and get in touch with me instead.

0476 863 362
[email protected]

28/03/2026

With the SG rate now at 12%, many doctors earning $250k+ have already hit their $30,000 concessional cap before making a single extra contribution.

So what are your options? From non-concessional bring-forwards to spouse splitting and SMSF property strategies, here's the 2026 playbook for maximising your retirement wealth.

👇 Read the full guide.

Expert accounting, tax planning, and business advisory services. Personalized financial guidance for your success.

24/03/2026

Your home loan is 'dead' debt — you pay interest with after-tax dollars and get nothing back. Debt recycling flips this by converting your mortgage into tax-deductible investment debt without increasing what you owe.

For a doctor in the 47% tax bracket, this strategy is one of the most powerful wealth-building tools available in 2026.

👇 Find out how it works.

Expert accounting, tax planning, and business advisory services. Personalized financial guidance for your success.

22/03/2026

Think your medical practice is exempt from GST? Most services are — but many aren't, and the ATO is now using data-matching to find clinics that aren't collecting GST on cosmetic procedures, medico-legal reports, and pre-employment medicals.

One wrong classification can mean a retrospective tax bill.

Here's what's GST-free and what isn't. 👇 Read the full guide.

Expert accounting, tax planning, and business advisory services. Personalized financial guidance for your success.

17/03/2026

If you run your practice through a company, how you pay yourself matters more than most doctors realise. Salary vs dividends isn't just a preference — in 2026, the wrong choice can trigger unexpected payroll tax, a Division 7A nightmare, or thousands in wasted tax.

Here's how to get the balance right. 👇 Read the full guide.

Expert accounting, tax planning, and business advisory services. Personalized financial guidance for your success.

15/03/2026

When your family's low tax brackets are full and the ATO wants 47 cents of every extra dollar, a 'bucket company' could save you tens of thousands per year — legally. But there are traps that catch doctors out every year (hello, Division 7A).

Here's when a bucket company is a must-have, and when it becomes a liability.

👇 Read the full guide.

Expert accounting, tax planning, and business advisory services. Personalized financial guidance for your success.

10/03/2026

If you've heard the term 'service entity' but aren't sure how it works — or whether yours is ATO-compliant — this one's for you. A well-structured service trust is the engine room of a tax-efficient medical practice. But get it wrong, and it becomes a red flag. We break down exactly how the money flows, what the ATO looks for, and the 2026 payroll tax traps to watch out for. 👇 Read the full guide.

Expert accounting, tax planning, and business advisory services. Personalized financial guidance for your success.

08/03/2026

Are you a doctor earning between $250k and $800k and still operating as a sole trader? You could be handing nearly half of every dollar straight to the ATO. From family trusts to service entity hybrids, the right structure can be the difference between retiring early or working into your 70s. We've mapped out exactly which setup wins at each income level. 👇 Read the full guide

Expert accounting, tax planning, and business advisory services. Personalized financial guidance for your success.