Bonerath & Co. Accountants

22/05/2026

Superannuation is not always as simple as paying a percentage on wages.

Contractors, owner-employees, family members and irregular payments can all create issues if they are not set up correctly.

With Payday Super starting from 1 July 2026, businesses will have less time to identify and correct mistakes before super is due.

We’ve outlined the superannuation obligations business owners should review now to reduce risk and avoid costly mistakes.

Payroll > Understand the superannuation payroll traps for business owners, including contractor payments, owner wages, payroll categories and Payday Super timing.

15/05/2026

The Federal Budget has created plenty of discussion, especially around trusts, negative gearing and capital gains tax.

For business owners and property investors, the most important thing right now is clarity.

We've broken down the Budget measures business owners and property investors should know about.

Read the full article

Taxation > Understand what the 2026–27 Federal Budget could mean for business owners and property investors, including trusts, CGT and negative gearing changes.

08/05/2026

The wrong equipment decision can cost more than the asset itself.

Whether leasing or buying is the right choice depends on a variety of factors.

The answer is not always obvious, and getting it wrong can affect cash flow, tax planning and the long-term cost to your business.

We break down what businesses need to consider when weighing up leasing versus buying equipment.

Read more:

Business > As a small business owner, you’ll likely need equipment, whether it’s tools, vehicles, or office technology. But should you lease or buy? Both options have pros and cons, and the right choice depends on your business’s needs and finances. We look into it further in this article.

01/05/2026

CGT is back in the spotlight and property investors have plenty to watch right now.

With changes to the capital gains tax discount being debated, and the ATO paying closer attention to rental property and holiday home claims, understanding the tax rules matters more than ever.

Our latest article breaks down what investors need to watch now, and why getting ahead of the detail matters before tax time rolls around.

Accounting > Property tax can be complex. Learn about investment property deductions, CGT, depreciation, holiday home rules and the record-keeping investors need to get right.

17/04/2026

If you run a trade business through a trust or company, now is a good time to review how income is being split.

The ATO has made it clear that where income mainly comes from one person’s labour or expertise, the way that income is split amongst family members needs to reflect that.

Our latest article breaks down what this means for tradies, what arrangements may need a closer look, and what to do before 30 June 2027.

Building & Construction > The ATO is tightening its focus on income splitting, and tradies operating through trusts or companies may need to take a closer look at how business income is being distributed. This article explains how the personal services income rules can apply in trade businesses, whe...

10/04/2026

Making sales is one thing. Keeping profit is another.

As your business grows, understanding your profit margins can give you a clearer picture of performance and help you make smarter decisions with more confidence.

Our latest article explains what profit margin actually means, how to calculate it, and what you can do to improve it.

It's a practical read for business owners who want better visibility over profitability and growth.

Accounting > As a business owner, understanding profit margins is essential for maintaining a healthy business. This article will guide you through calculating your profit margins and explain why they are critical for your business's success.

02/04/2026

Fuel relief is here. But what happens when it ends?

Rising fuel costs are putting fresh pressure on many businesses, especially those relying on vehicles, freight, equipment or regional travel.

While the current relief measures may help in the short term, they are only temporary. The bigger question is whether your business still feels financially comfortable once that support ends.

In our latest article, we unpack what the current measures mean, including the temporary support options outlined by the Australian Taxation Office, and the practical areas businesses may need to review now.

Business > Rising fuel costs are putting fresh pressure on businesses, but the current relief measures are only temporary. This article looks at what the fuel changes mean, where businesses should focus now, and why cash flow, pricing and tax planning all deserve a closer look.

20/03/2026

High profit doesn’t always mean high take-home pay.

We worked with a business owner in exactly this position.

On paper, everything looked great. But in reality, nothing felt stable.

Read the full story to see what changed.

Business > We recently worked with a business owner generating around $600k in profit, yet their personal finances felt inconsistent, unclear and under pressure. The issue wasn’t revenue. It was structure.

13/03/2026

Your investment property tax deductions could be at risk.

The ATO has released a draft ruling targeting properties that combine personal use and rental income.

If you own a holiday home, here’s what you need to know:

Taxation > The ATO has released a draft ruling that could change how tax deductions apply to holiday homes and short-stay rental properties. While long-term investment properties are unlikely to be affected, properties that combine private use with rental income may face stricter rules around what e...

06/03/2026

As a business grows, the role of the owner naturally evolves. What begins as doing the work gradually becomes leading the business.

In this article, we share practical insights on building financial visibility and structure that support long-term growth.

Learn more https://www.bonerath.com.au/post/from-doing-the-work-to-running-the-business

20/02/2026

While hard years in business are stressful, most business owners don't talk about how stressful the successful years can feel.

If your business is growing but the pressure is increasing with it, you’re not alone.

We’ve written about why strong years can feel overwhelming, and what to do about it.

Learn more: https://www.bonerath.com.au/post/why-good-years-in-business-can-feel-more-stressful-than-bad-ones

Business > A strong year in business can bring unexpected pressure. As revenue rises, so do expectations, compliance obligations and cash flow complexity. Growth often signals a new level of responsibility that requires more structure and forward planning.