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Eclipse Advisory

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Erina, NSW
Eclipse Advisory

For over 35 years Eclipse CEO David Robson has prospered on the “Cutting Edge” of Business and Finance.

With extensive qualifications and comprehensive and wide ranging hands-on experience, he offers a unique and potent combination of expertise and knowledge that will guarantee superior strategic advice that can really make a difference.

21/07/2026

📋 Are you ready for the new 2026/27 tax claim rules?

With tax season now open, the ATO is keeping a close eye on work-related expense claims and standard deduction limits for this new financial year. If you're planning your tax return, relying on last year's deduction rules could mean leaving money on the table or risking an unexpected audit flag. Taking a proactive look at how you group home office, vehicle, and tech expenses early makes lodges much smoother and ensures you get every dollar you're legally entitled to.

Read our full 2026/27 tax guide on our website to see what’s changed and how to structure your claims. Link in comments. 👇

20/07/2026

⏰ The 5-Year Clock is Ticking on Your Super Caps!

Did you know that your carry-forward super contributions operate on a strict, rolling five-year timeline? Last 30 June, any unused cap space you had built up from the 2020/21 financial year officially reached its legal expiry date. Moving into this new financial year, your available catch-up room has been re-anchored to a new five-year ledger. If you want to make a large, tax-deductible contribution using your historical caps, checking your valid limits early via myGov is crucial to ensure you aren't counting on expired cap space.

Head over to our website to read our full breakdown of the rolling catch-up rules and how to maximize your limits. Link in comments 👇

14/07/2026

📉 Is the permanent $20,000 instant asset write-off right for your business?

If you run a small business, you know how critical cash flow management is at the start of the new financial year. The permanent $20,000 instant asset write-off is officially live, allowing you to claim immediate deductions on eligible assets instead of dealing with years of depreciation schedules. But before you rush out to buy new gear, remember that timing is everything—the asset must be first used or installed ready for use within this financial year to count!

Head over to our insights page to see how to align your business purchases with this permanent tax rule. Link in comments. 👇

09/07/2026

📦 Fact Check: Is the New $1,000 Upfront Tax Deduction Actually Worth It?

Starting this financial year, the ATO is letting individual wage earners claim a flat $1,000 work expense deduction without saving a single receipt. Sounds like an absolute win, right? But there’s an "either/or" catch: if you choose the easy flat rate, you can't claim any actual work costs like home office power, mobile phone bills, or stationery. If your genuine out-of-pocket costs top $1,000 over the year, taking the shortcut means leaving money on the table!

Head over to our insights page to see our simple math breakdown and figure out which method saves you the most cold hard cash. Link in comments. 👇

02/07/2026

🚀 Bigger Super Limits Are Active From Today!

Big news if you're looking to boost your retirement savings! Starting this week, the annual pre-tax super contribution cap has officially jumped from $30k to $32,500. If you're an independent contractor or just want to tip in a bit extra to lower your personal tax bill, you've got extra room to move. Just remember that your employer's mandatory 12% payments count toward this limit, so do a quick bit of math before you change your personal settings!

Check out our simple current-year cap calculator on our dedicated insights page: Link in comments 👇

01/07/2026

🗓️ Happy New Financial Year! Welcome to FY 2026/27.

Today marks a brand-new financial year, and it's bringing some of the biggest tax and super transformations we've seen in a decade! Thanks to the fresh Federal Budget legislation passing into law, the rules of the game have completely shifted. From personal income tax cuts to permanent small business write-offs and a higher $32,500 super cap, the old playbooks are officially out. Whether you’re running a business or building your personal legacy, staying ahead of these structural updates early is the ultimate key to a successful year.

Head over to our Financial Insights hub to explore all our new, jargon-free guides and masterclases for the year ahead: Link in comments 👇

25/06/2026

🤔 Have you initiated your EOFY transfers yet? (The 72-hour clock resets tonight) ⏳

If you’re planning a personal super top-up or need to run your required minimum pension drawdown before the financial year wraps up, today is your critical buffer day. There is absolutely no need to panic, but you do need to take action before you log off tonight!

Under regulatory rules, an EOFY transaction only legally counts if the cash physically clears into the destination account by midnight on 30 June. Because banking systems and super clearing houses experience massive traffic spikes over the final days of the month, pressing "submit" this weekend or next Monday might be too late.

Here is your quick operational focus for today:

1. Super Contributions: Initiate your BPAY or electronic bank transfers today, 25 June. This gives your cash a clean 72-hour clearing window to ensure your 2026 cap limits and tax deductions are completely safe.

2. Account-Based Pensions: If you manage an SMSF or have an account-based pension, check your bank ledger right now. Make sure your required minimum age-based pension payments completely exit the fund's bank account today to protect your 0% tax-exempt earnings status.

Taking a quick, deliberate action today means complete peace of mind next week. If your structures are complex or you simply want a reassuring pair of eyes to help check your files before the final end-of-month rush, our friendly team is right here to support you.

Read our latest complete practical guide. Link in comments. 👇

23/06/2026

⏳ The 5-Day EOFY Final Countdown: No Panic, Just Action

We are officially down to the final days of the financial year! If your desk is still covered in invoices and receipts, take a deep breath—there is absolutely no need to panic. You still have a clear, manageable window to get everything sorted.

However, when it comes to tax deductions, the clock is ticking on a few important operational rules. To keep your business cash flow and structures safe before the end-of-month rush, keep these two critical dates in mind this week:

1. The 25 June Clearing Rule: Under ATO guidelines, an expense or super contribution only counts for this financial year if the cash physically clears into the destination account by 30 June. With massive traffic hitting banking networks this week, make sure to submit your electronic transfers by this Thursday, 25 June, to guarantee they settle in time.

2. The 30 June Delivery Standard: Buying an asset under the $20,000 instant asset write-off sounds great, but if it's still in a delivery truck or sitting unboxed on your floor on 30 June, you can't claim it this year. Ensure all tools, tech, or machinery are fully set up and operational on-site by next Tuesday.

You've got this. If your business records are a bit complex or you simply want a reassuring pair of eyes to help finalise your written files this week, our friendly team is right here to support you.

Read our latest Client Advisory for a practical breakdown of your remaining June timelines. Link in comments. 👇

18/06/2026

⏳ The 2-Week Super Countdown: Keeping Your Retirement Assets Safe

If you’re checking your retirement balances or preparing a personal super contribution before the financial year wraps up, there is absolutely no need to panic. You still have a clear window to get everything in order, but timing is everything over the next fortnight.

Under regulatory guidelines, a super contribution or required pension payment only legally counts if the cash physically clears into the destination bank account by midnight on 30 June. Because banking networks and clearing platforms experience massive traffic spikes late in the month, a simple timing delay can accidentally disrupt your strategy.

Here is what you can do this week to keep your personal wealth on track:

1. The 72-Hour Settlement Rule: Don't leave your personal top-ups to the absolute last minute. Aim to initiate your BPAY or electronic bank transfers by 25 June at the latest to ensure the cash safely settles inside your fund's ledger.

2. Account-Based Pensions: If you are running an SMSF or account-based pension, double-check your bank ledger right now. Ensure your required minimum age-based pension drawdowns have completely left the fund’s account before 30 June to secure your 0% tax-exempt status.

Taking a few deliberate steps now saves a lot of stress later. If your personal structures are complex or you simply want a reassuring pair of eyes to help finalise your transfers before the end-of-month rush, our friendly team is right here to support you.

Read our latest Client Advisory for our complete practical guide. Link in comments. 👇

16/06/2026

⏳ The EOFY Countdown: Why 30 June is Closer Than It Looks

If you’re a small business owner sorting through invoices or planning a few last-minute equipment upgrades, there is absolutely no need to panic. You still have a clear window to get everything in order before the financial year wraps up.

However, relying strictly on the calendar date can lead to unexpected tax hurdles. Under ATO rules, a deduction only counts for this financial year if the transaction is completely finalized by midnight on 30 June.

Here are two quick realities to keep your cash flow protected over the next fortnight:

1. The 72-Hour Banking Rule: Bank networks and clearing platforms experience massive traffic surges late in the month. If you are making essential supplier payments or employee super contributions, aim to hit submit by 25 June to guarantee the funds physically clear in time.

2. The "Ready for Use" Rule: Planning to utilize the $20,000 instant asset write-off? Simply holding an invoice or placing an order isn't enough. Technology, tools, or machinery must be unboxed, installed, and fully operational on-site before 30 June to qualify for this year's return.

Take a deep breath—you have plenty of time to execute your plan smoothly. If you want a reassuring pair of eyes to double-check your dates and written records, our friendly team is right here to help you cross the finish line with complete confidence.

Read our latest Client Advisory for a practical breakdown of your remaining June timelines. Link in comments. 👇

Address

16a Karalta Plaza, 12 Karalta Road
Erina, NSW
2250

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.eclipseadvisory.com.au/

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