Krystal Advisory

20/05/2026

BIG Changes Coming to Your Taxes! 🏛️
The latest Budget is here, and it’s a game-changer for property owners, investors, and small businesses. Here’s the "too long; didn't read" version:
🏠 The Property & Investment Shake-up
• Goodbye 50% CGT Discount: From 1 July 2027, the 50% discount is being replaced. You'll now be taxed on gains adjusted for inflation, with a 30% minimum tax on net gains.
• Pre-1985 Assets: Even assets bought before 1985 will be hit by this new 30% minimum tax starting in 2027.
• Negative Gearing: This will be limited to new builds only from 1 July 2027. If you already own an investment property, you’re safe—you’re "grandfathered" in until you sell!
💼 Perks for Workers & Small Business
• Tax Cut for Workers: A new $250 tax offset (WATO) starts July 2027, and personal tax rates are dropping!
• Small Biz Win: The $20,000 instant asset write-off is now permanent, helping you invest in your business.
• Trusts: Discretionary and family trusts will face a 30% minimum tax on distributions from mid-2028.
📉 The Bigger Picture
• Inflation is expected to peak around 5% by June.
• The government is looking to save billions by reforming disability welfare and these tax changes.
What’s your take? Is this the right move for the housing market, or is it too much too fast? Let’s chat in the comments! 👇

📞 Need help?
Krystal Advisory

📱 0473144739
📧 [email protected]
🌐 [www.Krystaladvisory.com.au]

06/05/2026

05/05/2026

📊 Upcoming Budget 2026: Capital Gains Tax Changes Explained

Australia’s upcoming federal budget is expected to introduce major changes to Capital Gains Tax (CGT) — and it could impact property investors, share investors, and even crypto holders.

⸻

💡 What’s changing? (Expected)

1. Reduction of the CGT discount

Currently:
• You get a 50% CGT discount if you hold an asset for more than 12 months

Proposed:
• This could be reduced to 25% OR replaced with inflation indexation 

👉 Meaning:
You may pay more tax on your profits when selling assets.

⸻

2. Shift to inflation-based taxation

Instead of a flat discount:
• Gains may be adjusted for inflation only

👉 This means:
• Less benefit for high-growth assets like shares/property
• More “accurate” tax on real gains (not inflated gains)

⸻

3. Grandfathering rules (very important)

Likely approach:
• Existing investments → keep current rules
• New investments → new CGT system applies 

👉 This creates a “before vs after” strategy window

⸻

4. Applies beyond property

Not just real estate:
• Shares
• Crypto
• Businesses

👉 Broader impact across all investors 

⸻

🎯 Why is the government doing this?

Main goals:
• Improve housing affordability
• Address intergenerational inequality
• Reduce tax advantages for investors vs home buyers 

⸻

⚠️ What it means for you

If you’re an investor:
• You may pay more tax on future gains
• Timing of buying/selling becomes critical

If you’re planning to invest:
• Buying before changes could lock in current tax benefits

If you already own assets:
• You may be protected (depending on final rules)

⸻

🧠 Smart strategies (now more important than ever)
• Review assets before budget changes
• Consider timing of disposal
• Use capital losses to offset gains
• Look at superannuation structures (lower CGT environment)

⸻

🚨 Important: Nothing is final yet

These are expected changes, not confirmed law.

👉 The real impact depends on:
• Exact discount rate
• Whether indexation is used
• How grandfathering is applied

📞 Need help?
Krystal Advisory

📱 0473144739
📧 [email protected]

16/04/2026

Running a small or medium business in Australia is a massive achievement, but let’s be honest—the paperwork can feel like a full-time job on its own. 🇦🇺💼
From BAS deadlines to complex tax structures, staying compliant shouldn’t keep you up at night. That’s where Krystal Advisory steps in.
We specialize in helping SMBs navigate the Australian financial landscape with ease. Think of us as your external finance department, dedicated to keeping your numbers sharp and your business compliant.
How we support your growth:
• Accounting & Bookkeeping: Real-time insights into your cash flow.
• Taxation Services: Strategic planning to ensure you’re never paying more than you should.
• Total Compliance: We handle ASIC requirements, GST, and payroll tax so you don’t have to.
• Business Advisory: Expert guidance to help you scale sustainably.
Stop stressing over the "fine print" and get back to what you do best—running your business! 🚀
Ready to simplify your business life?
📩 Send us a DM today
📞 [0473144739]
🌐 [www.Krystaladvisory.com.au]

04/04/2026

Your business is your passion. Your accounts are mine. 📊

If you’re a business owner, you shouldn't be drowning in tax ledgers or payroll calculations. That’s where a professional accounting audit makes the difference. We help business owners transition to automated Xero or any accounting systems that protect their profits and ensure total compliance.

✅Expert Tax Minimization

✅Automated Payroll & STP

✅Audit-Ready Financials

Stop the EOFY panic before it starts. Let's get your books in peak condition.

Need help? Contact Krystal Advisory at 0473144739 and email at [email protected].

28/03/2026

PAYDAY SUPER: Important Changes for All Australian Employers

Big changes are coming for every Australian employer. Starting 1 July 2026, the Australian Government is introducing "Payday Super," fundamentally changing how superannuation is paid. Currently, many businesses pay super contributions every three months. However, under the new rules, you must pay super at the same time you pay your employees’ wages. Whether you pay your team weekly or fortnightly, your super contributions must now match that same frequency. The goal is clear: all contributions must reach the employee’s nominated account within 7 business days of payday. While there is a small 20-day exception for a new employee's first payment, the 7-day rule is the new standard for everyone else. The ATO will monitor compliance in real-time through Single Touch Payroll data. Remember, late payments can result in significant charges and may breach the Fair Work Act. Now is the time to review your payroll systems and business processes. Don’t navigate these changes alone—the team at Krystal Advisory is here to help you stay compliant and prepared.

Contact us today at 0473 144 739 or [email protected] to secure your business transition.

12/02/2026

Payday Super

12/02/2026

Payday Super is a significant reform to the Australian superannuation system that officially becomes mandatory on 1 July 2026.

Currently, most employers pay super contributions quarterly. Under the new "Payday Super" laws, you will be required to pay your employees' Superannuation Guarantee (SG) at the same time you pay their salary and wages.

✔ Key Changes at a Glance

👉Frequency
Current System - At least quarterly
Payday Super - Every payday (Weekly, Fortnightly, etc.)

👉Receipt Deadline
Current System - 28 days after the quarter ends
Payday Super - Must reach the fund within 7 business days

👉Calculation Base
Current System - Ordinary Time Earnings (OTE)
Payday Super - Qualifying Earnings (QE)

👉Clearing House
Current System - SBSCH available for small business
Payday Super - SBSCH will be closed (as of 30 June 2026)

12/02/2026

FINANCIAL CLARITY IS THE ULTIMATE COMPETITIVE ADVANTAGE
Is your accounting a bottleneck or a catalyst for growth?

12/02/2026

FINANCIAL CLARITY IS THE ULTIMATE COMPETITIVE ADVANTAGE
Is your accounting a bottleneck or a catalyst for growth?

In the world of business, your numbers tell a story. If your current accounting process is nothing more than a year-end scramble, you’re missing out on vital insights that drive scale, profit, and peace of mind.

We provide high-level accounting and tax strategies designed to give founders and executives their most valuable asset back: Time.

✅Strategic Solutions for Modern Business

Service The Outcome
Tax Optimization Proactive planning to minimize liability and maximize reinvestment.
Financial Analysis Monthly reporting that transforms "data" into actionable growth steps.
Full-Cycle Compliance Seamless payroll and regulatory filing so you can lead without distraction.
"The goal isn't just to file taxes—it's to build a sustainable financial future."

Ready to elevate your financial strategy?

Stop guessing and start growing. Let’s ensure your books are as professional as the business you’ve built.

Need help? Contact Krystal Advisory at 0473144739 and email at [email protected]