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Palmers Financial Group

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Helping individuals, families & businesses make confident financial decisions. One Team. Every Financial Decision.

26/10/2026

ATO debt? Don’t assume you’re out of options.

Running a business doesn’t always go to plan. Cash flow gets tight, tax liabilities build up and sometimes an ATO debt becomes part of the picture.

The question is: what can you do from here?

Before assuming you can’t refinance, access equity or restructure your business lending, it’s worth looking at the bigger picture.

At Palmers Financial Group , our accounting, tax, business advice and lending specialists can work together to understand your position and explore what options may be available to you.

Because your ATO debt is only one part of your financial picture.

Want to know what your options might be?

Talk to Jacob Birch, our Head of Lending & Client Solutions.

He’ll help you understand the lending side and bring the right Palmers people into the conversation where needed.

Sometimes the best place to start is simply asking: “What are my options?”

📞 02 9982 7200
🌐 palmers.com.au

General information only. Lending is subject to eligibility, lender criteria and approval. This is not financial, tax or credit advice.

21/10/2026

Meet the Team l Roxley Dunlop

Meet Roxley, Senior Consultant here Palmers Financial Group

With 30 years of experience helping business owners navigate the numbers, the strategy and everything in between, Roxley brings something particularly valuable to Palmers: real-world business experience.

In fact, he once owned a skip-bin business himself.
So yes... there were days when the accountant turned up to work in a suit and tie, then jumped into a skip truck. 😂

Roxley’s philosophy is simple: see the whole picture.
Because your tax, business structure, lending, wealth and future plans don’t exist independently.

And when it comes to building a business, Roxley’s advice is something worth thinking about.

“Believe in what you’re building. And plan your exit from day one.”

At Palmers, that’s the kind of conversation we want to have, not just about where your business is today, but where you want it to go next.

Learn more about Roxley here 👇
https://palmers.com.au/team/roxley-dunlop

14/10/2026

Hiring staff offshore? A contractor agreement may not be enough.

Recent Fair Work Commission cases involving Australian businesses and workers based in the Philippines highlight an important lesson: what you call the arrangement matters less than how it works in practice.

If you hire people overseas, ask yourself:

- Who controls their hours and workload?
- Are they genuinely independent contractors?
- Have you reviewed your tax, super and employment obligations?
- Have you considered local employment laws?

Offshore hiring can be a great opportunity for business. But getting the structure wrong can come with unexpected costs.

Don’t just look at the cost of hiring. Understand the obligations, too.

Read more detail in our Linked In article 👇

https://www.linkedin.com/pulse/hiring-offshore-staff-directly-what-australian-businesses-znlgc?utm_source=share&utm_medium=member_ios&utm_campaign=share_via

At Palmers Financial Group , we help business owners look at the bigger picture and identify when specialist advice may be needed.

*General information only. Seek independent professional advice for your circumstances.

12/10/2026

Getting a home loan isn’t always as straightforward as you’d hope. 🏡

Different lenders have different lending criteria, and what works for one borrower might not work for another.

That’s where having the right mortgage broker in your corner can make a real difference.

A good broker looks beyond a single bank, helps you understand your options and connects you with lenders whose criteria may better suit your circumstances.

And as Hal’s experience shows, having someone guide you through the process can make it a whole lot smoother.

“Amazing work by Jacob! From start to finish my home loan was a smooth and wonderful process. Thanks Jacob!”

Thank you, Hal, for the kind words! 💙

Thinking about buying, refinancing or reviewing your home loan?

Speak to Jacob Birch, GM of Client Solutions here Palmers Financial Group and start with a conversation about your options.

Because finding the right loan isn’t just about getting approved. It’s about finding a solution that works for you.

Palmers Financial Group
One Team. Every Financial Decision.

11/10/2026

The deadline has moved. The problem hasn’t disappeared.

Last week, we shared the news that the Australian Taxation Office planned to stop accepting credit card payments from 1 December 2026.

Following concerns from small businesses, the Government has now extended the transition period. The ATO will continue accepting credit card payments until 30 June 2027.

It’s welcome breathing room for businesses that rely on credit cards to help manage cash flow.

But let’s be clear: kicking the can down the road doesn’t fix the issue.

If your business relies on credit to bridge the gap between expenses, tax obligations and incoming revenue, another deadline won’t change the underlying numbers.

Now is the time to ask:

- Do you understand your cash-flow position?
- Are you setting aside enough to meet your tax obligations?
- Is your current approach sustainable, or simply buying you time?
- What needs to change before the next deadline arrives?

Credit can be a useful tool when it’s part of a considered strategy. But relying on it to cover an ongoing cash-flow shortfall can leave a bigger problem waiting down the track.

The extra time is an opportunity. Use it to understand your position, review your options and put a plan in place.

At Palmers, we believe the best time to address a financial issue is before it becomes a problem.

Don’t wait for the next deadline. Start with a conversation.

Palmers Financial Group
One Team. Every Financial Decision.

Manly Beach, Sydney Australia Manly Observer

07/10/2026

One Team. Every Financial Decision.

We’re right here in the heart of Dee Why, helping people make sense of the financial decisions that come with everyday life.

Buying a home.
Running a business.
Planning for the future.
Growing your wealth.
Sorting out your tax.
Working out what to do with your super.

They’re all different things, but they’re rarely completely separate.

That’s why we’ve brought our expertise together under one roof.

So instead of having to work out who you need to speak to, you can start with a conversation and we can look at the bigger picture with you.

That’s what “One Team. Every Financial Decision.” means to us Palmers Financial Group

05/10/2026

Now that the long weekend is over, it’s time to look at last week’s news a little more closely.

The card surcharge changes are now in effect, and from 1 December 2026, the will no longer accept credit card payments.

So rather than simply asking, “What’s changed?”
We’d start with the numbers.

1. What are card payments actually costing your business?
2. Do your prices and margins still stack up?
3. Are you getting a competitive deal from your payment provider?
4. How will you manage tax payments once the ATO change takes effect?

The card surcharge may be gone, but businesses will still have costs associated with accepting card payments. Those costs need to be considered as part of your overall pricing, margins and cash flow.

And if you’ve been using a credit card to help manage your tax cash flow, now is a good time to review your arrangements rather than waiting until December.

Our approach?
Look at the bigger picture, start with the numbers, then have the conversation.

The team Palmers Financial Group are here for you!

Address

Suite 11, 635 Pittwater Road
Dee Why, NSW
2099

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Website

http://www.palmers.com.au/, https://www.instagram.com/palmersfinancialgroup/, https://www.linkedin.com/company/palmersfi

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