Marcos Advisory

20/10/2026

Earning over $250,000? There's a super tax most people only find out about when the bill arrives.

Division 293 adds an extra 15% tax on concessional super contributions once your income plus those contributions cross $250,000 combined. It's been sitting at that threshold for a while now, and it catches plenty of high-income earners off guard at tax time – it's not new, but it's rarely front of mind until it's too late to plan around it.

If you're anywhere near that line, it's worth knowing before your next return lands, not after.

Speak to our team: marcos.com.au/contact-us

13/10/2026

Thinking about finance for the next stage of growth? Get your numbers ready before you talk to a lender, not after they ask for them.

Lenders want to see clean, current financials – not last year's tax return dusted off. That means an up-to-date P&L, a realistic cash flow forecast, and a clear story about where the funding actually goes. Turn up without that and you're already on the back foot, whatever the opportunity is.

This is where the CFO side of what we do earns its keep – getting a business genuinely lending-ready, not just compliant.

If finance is on the horizon, let's get your numbers in shape before you need them: marcos.com.au/contact-us

07/10/2026

31 October. Write it down.

If you're lodging your own tax return, that's the deadline – miss it and penalties can apply. If you're on a registered tax agent's books before then, you generally get more time. Worth knowing which category you're actually in.

If you run a business, there's a second date to know: your first-quarter BAS for this financial year is due 28 October.

Two deadlines, three weeks out. If you haven't started, now's the time – not the last week of October.

Speak to our team ⬇️

29/09/2026

If your SMSF is heading into Division 296 territory, there's a decision worth understanding now – not in June.

Funds can elect to reset the cost base of their investments to 30 June 2026 market values, specifically for Division 296 purposes. It's made via the 2026–27 SMSF annual return, and it's an all-in call – it applies across every holding in the fund, including anything currently sitting at a loss. There's no picking and choosing asset by asset.

Get it right and it can meaningfully reduce future Division 296 tax. Get it wrong and you've locked in a decision that didn't suit your fund.

This is exactly the kind of thing worth modelling properly before the return's due, not deciding on the fly. Let's talk it through: marcos.com.au/contact-us

22/09/2026

Your accountant. Your CFO. Your funding partner. All in the same place.

Compliance will always matter – but it's not where the real value sits. The businesses and family groups we work best with want more than a tax return once a year. They want someone who understands cash flow, funding, structuring and risk, and who's thinking about those decisions alongside them, not just reporting on them after the fact.

That's the job, as we see it. One team, every number covered.

If tax time is the only time you speak to your accountant, let's change that ⬇️

17/09/2026

Some interesting SMSF figures reported today by the Financial Review.

According to recent ATO data, more than 12,000 new SMSFs were established in the June 2026 quarter alone, with the majority of new funds being established by Gen X and Millennial Australians.

The data also provides valuable insights into where SMSF members are investing and highlights a growing trend: Australians are becoming more engaged with their superannuation and taking a greater interest in how their retirement savings are managed.
Superannuation is designed to support your retirement lifestyle, and the investment decisions you make today can have a significant impact on your future outcomes.

That's why it's important to surround yourself with a trusted network of financial professionals who can help guide you through the journey.

The more informed you are, the more confidence you'll have in making decisions about your financial future. Read more: https://marcos.com.au/big-super-loses-47b-australians-taking-control-with-smsfs

Australians rolled $47B into SMSFs over the past four years. Investors are leaving big super; Marcos Advisory can help you take control.

15/09/2026

Living, working or investing overseas? The ATO doesn't stop at the border, and neither should your tax planning.

Australian tax residency rules can catch people out – whether you're an expat still earning locally, a local with money invested offshore, or splitting time between two countries. Foreign income generally still needs to be reported here, and double tax agreements can determine where and how much you actually pay.

It's one of the more overlooked areas of tax planning – and one of the areas where getting it wrong is expensive to unwind later.

If you've got income, assets or investments overseas, let's make sure they're structured properly before it becomes a problem.

Speak to our team: marcos.com.au/contact-us

10/09/2026

Good news for anyone topping up their super this year: you can now put in more before you hit the cap.

The concessional (before-tax) contribution cap has increased to $32,500 for 2026–27, up from $30,000. That covers employer super, salary sacrifice and personal deductible contributions combined. The non-concessional (after-tax) cap holds at $130,000, with eligible members able to bring forward up to $390,000 over three years.

If you've been contributing right up to the old limit, there's now a bit more room – worth checking before the year gets away from you.

Want to know exactly how much more you could put in? Ask us: marcos.com.au/contact-us

02/09/2026

What we're seeing right now: businesses treating ATO debt like it'll sort itself out.

It won't – and it just got more expensive to ignore. The ATO's general interest charge is no longer tax deductible, so any balance you're sitting on is compounding without even the small offset of a deduction to soften it.

If cash flow's tight this quarter, the earlier you talk to us about it, the more options are on the table – payment plans, restructuring, timing decisions. The version where you wait until it's a crisis is always the expensive one.

This is the CFO side of what we do, not just the compliance side. Come talk to us before it becomes a bigger problem than it needs to be. ⬇️

27/08/2026

Has your SMSF just become more expensive to run?

Since 1 July 2026, self-managed super funds with balances over $3 million face a new tax under Division 296 – 30% on earnings between $3–10 million, 40% above $10 million. Both thresholds are indexed, so they'll move with inflation rather than staying fixed forever.

The good news: the original plan to tax unrealised gains was dropped. The tax is assessed on you as an individual, not the fund, and the first assessment year isn't until 30 June 2027 – so there's genuine time to plan properly, if you start now.

Not sure where your fund actually sits? Take our free 2-minute SMSF Health Check: https://form.typeform.com/to/b2v6nn3g

No obligation, just clarity.