The Business & Wealth Collective

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EOFY tax planning is not about panic spending. It is about making smarter decisions before 30 June.For many business own...
01/06/2026

EOFY tax planning is not about panic spending. It is about making smarter decisions before 30 June.

For many business owners, EOFY can feel stressful.

There is often pressure around deductions, super contributions, cash flow, trusts, structures and deadlines.

But good tax planning is not about chasing loopholes or spending money just to reduce tax.

It is about making better decisions with the money your business already earns.

Before 30 June 2026, business owners should be reviewing areas such as:

Super contributions
Asset purchases
Bad debts and expenses
Trust distributions
Division 7A issues
Future structure planning

The 2026 Federal Budget has made this planning window even more important, because many of the bigger changes will unfold over the next few years.

In Part 10 of our 2026–27 Federal Budget series, we explain what actually matters before 30 June 2026 and why early planning is better than last-minute decisions.

Read the full article on The Business & Wealth Collective website.

Next step: Book an EOFY Strategy Session here:
https://eofy.thebwc.com.au/

A sole trader structure may be simple at the start, but it may not be enough as the business grows.Many business owners ...
01/06/2026

A sole trader structure may be simple at the start, but it may not be enough as the business grows.

Many business owners start with a simple ABN and operate as a sole trader.

In the early stages, that can make sense.

But as the business grows, the risks also grow.

The income increases.
The tax position changes.
The exposure becomes greater.
The need for asset protection becomes more important.

At some point, many business owners need to ask:

“Is my current setup still the right one?”

After the 2026 Federal Budget, that question has become even more important.

Older structures, simple setups and trust-based strategies may need to be reviewed in light of the proposed changes around trusts, capital gains, income flow and future restructuring opportunities.

In Part 9 of our 2026–27 Federal Budget series, we explain what business owners need to know when moving from a simple setup to a proper structure.

Read the full article on The Business & Wealth Collective website.

Next step: Review your trust and structure options here:
https://trust.thebwc.com.au/

Building wealth is only one part of the journey. Protecting it and passing it on properly is the next.Most people spend ...
31/05/2026

Building wealth is only one part of the journey. Protecting it and passing it on properly is the next.

Most people spend years building wealth.

Far fewer spend enough time planning what happens to that wealth if something happens to them.

For families with trusts, companies, businesses, investments and SMSFs, succession and estate planning cannot be treated as a simple will-only conversation.

Your will may not control everything.

Trust assets, company shares, superannuation balances and business ownership can all require specific planning.

After the 2026 Federal Budget, this conversation has become even more important, particularly for families using trusts, share classes, testamentary trusts and multi-entity structures.

In Part 8 of our 2026–27 Federal Budget series, we explain why succession and estate planning should now be reviewed as part of a broader family wealth strategy.

Read the full article on The Business & Wealth Collective website.

Next step: Review your trust and structure options here:
https://trust.thebwc.com.au/

Trust distributions are not just paperwork. The ATO wants to know who actually received the benefit.For many families, S...
31/05/2026

Trust distributions are not just paperwork. The ATO wants to know who actually received the benefit.

For many families, Section 100A sounds technical, confusing and difficult to understand.

But the core issue is simple:

Who actually receives the benefit of the trust income?

If trust income is distributed to one person for tax purposes, but someone else keeps or uses the money, the arrangement can create risk.

The 2026 Federal Budget did not change Section 100A itself.

But it did change the broader trust environment, making proper structure reviews, documentation and genuine cash flow even more important.

In Part 7 of our 2026–27 Federal Budget series, we explain Section 100A in plain English and what families need to know about trust distributions moving forward.

Read the full article on The Business & Wealth Collective website.

Next step: Review your trust and structure options here:
https://trust.thebwc.com.au/

If your business pays rent every month, where is that money really going?One of the biggest missed opportunities for man...
30/05/2026

If your business pays rent every month, where is that money really going?

One of the biggest missed opportunities for many business owners is spending years paying rent for premises they never own.

For the right business owner, buying commercial premises through the right structure can become a powerful long-term strategy.

This may involve a trust, an SMSF, or another properly designed structure, depending on the business, borrowing position, risk profile, retirement goals and long-term plans.

The 2026 Federal Budget has made this conversation even more important, especially as the rules around trusts, investment income and capital gains continue to shift.

In Part 6 of our 2026–27 Federal Budget series, we explain why owning your business premises through the right structure may be one of the smartest long-term moves a business owner can make.

Read the full article on The Business & Wealth Collective website.

Next step: Review your trust and structure options here:
https://trust.thebwc.com.au/

Super is not just a retirement account. For many business owners and investors, it can be part of a much bigger wealth s...
29/05/2026

Super is not just a retirement account. For many business owners and investors, it can be part of a much bigger wealth strategy.

The 2026 Federal Budget changed the conversation around trusts, capital gains and investment structures.

But one area remained comparatively protected: superannuation.

For business owners, investors and families building long-term wealth, this makes SMSFs worth reviewing carefully.

An SMSF is not right for everyone, and it should never be treated as a shortcut. But when structured properly, it can provide more control over how retirement wealth is invested.

In Part 5 of our 2026–27 Federal Budget series, we explain where SMSFs still fit, why super remains powerful, and what business owners should understand before making decisions.

Read the full article on The Business & Wealth Collective website.

Next step: Book an EOFY Strategy Session here:
https://eofy.thebwc.com.au/

The proposed CGT reforms have received a lot of attention in relation to property, but the impact may go further.For per...
15/05/2026

The proposed CGT reforms have received a lot of attention in relation to property, but the impact may go further.

For personal investors, the proposed changes may also affect shares and crypto held in individual names.

In Part 4 of our Federal Budget series, we look at what the new CGT framework may mean for personal investors, including future capital gains, ownership structure, record keeping, crypto reporting and timing considerations.

The rules are not yet final, and the right approach will depend on each person’s circumstances. Before making decisions about selling assets, restructuring ownership or changing investment strategy, it is important to seek advice.

Read the full article here:
https://www.thebwc.com.au/post/the-2026-27-federal-budget-part-4-shares-crypto-under-the-new-cgt-rules

General information only. This article does not take into account your personal circumstances, objectives, financial situation, tax position or legal structure. Please seek advice based on your specific circumstances before making tax, financial, legal or investment decisions.

The 2026–27 Federal Budget has created a lot of discussion, but business owners need more than headlines.They need to un...
15/05/2026

The 2026–27 Federal Budget has created a lot of discussion, but business owners need more than headlines.

They need to understand what may require attention before EOFY.

In Part 3 of our Federal Budget series, we outline the practical areas business owners, investors and family groups may need to review, including tax planning, cash flow, business structure, superannuation considerations, investment timing and risk protection.

This is not about rushing into decisions. It is about identifying the areas that may need proper advice before the financial year closes.

Read the full article here:
https://www.thebwc.com.au/post/the-2026-27-federal-budget-part-3-the-action-plan

General information only. This article does not take into account your personal circumstances, objectives, financial situation, tax position or legal structure. Please seek advice based on your specific circumstances before making tax, financial, legal or investment decisions.

The 2026-27 Federal Budget may create important changes for investors, families and business owners using property, disc...
14/05/2026

The 2026-27 Federal Budget may create important changes for investors, families and business owners using property, discretionary trusts, bucket companies or existing company structures.

In Part 2 of our Federal Budget series, Zac Hayes explores the proposed changes to negative gearing, CGT and discretionary trusts, and why structure review matters before EOFY.

The key message: this is not a reason to panic, but it is a reason to review whether your current structure is still appropriate.

Read the full article and book your Post-Budget Structure Review here:
https://trust.thebwc.com.au

13/05/2026

The Federal Budget has been released, but what does it actually mean for business owners?

Zac shares a quick breakdown of the key points and why this is the right time to review your structure, tax position and growth plans before EOFY.

Don’t wait until June to react. Use this window to make informed, strategic decisions.

Book your EOFY Strategy Session:
http://eofy.thebwc.com.au/

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