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Monday 8:30am - 4pm Tuesday 8:30am - 4pm Wednesday 8:30am - 4pm Thursday 8:30am - 4pm Friday 8:30am - 3pm

REAL Chartered Accountants

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REAL Chartered Accountants

Here at REAL Chartered Accountants we are so much more than a financial planning and taxation service.

We pride ourselves on our professional yet relaxed approach with all our clients which allows us to build the solid, long-term relationships essential in helping them achieve financial success. Our rename and rebrand is a reflection of the greater value we provide as a team beyond that of our directors. It also represents our evolution from very traditional beginnings to the innovative, forward thinking, technology-based agency we are today.

03/09/2026

The Zespri AIMS Games kick off with the opening ceremony this weekend, and we're wishing every student-athlete, coach, and supporter the absolute best for an incredible week ahead in Tauranga! 🏆

Play hard, have fun, and make the most of every moment.

Keep an eye out for Rob on the sidelines throughout the week! 🙌✨

02/09/2026

💡 Leaving profit in your company keeps it safe from personal tax... for now.

One of the best perks of having a company structure is that you don't have to pay out 100% of your profits to yourself at the end of the year. You can leave money in the business to keep your cash flow strong.

But here is the catch that can catch business owners off guard: those funds are just parked. 🅿️

Your company pays its own tax on those profits, but that money isn't legally yours for personal use yet. Eventually, when you want to take that cash out, those profits have to be officially allocated to you as a dividend.

When that day comes, you will likely have to pay a personal tax top-up to bridge the gap between what the company paid and your personal tax rate.

Retaining profit is a brilliant tool to control when you take the tax hit, but the ultimate allocation has to happen eventually. It's a timing strategy, not a magic trick! 💸

Want to map out the smartest way to extract profit from your company over the long term? Let's chat. 📈

31/08/2026

What happens if the unthinkable happens to you? 🤯

If you suddenly had to step away from your business for a few weeks — or longer — could someone else step in and run it? Or is all the vital "know-how" locked away inside your head? 🧠🔒

For many business owners, everything from system passwords and supplier contacts to daily operational workflows lives purely in their own brain. If you're the only one who knows how the gears turn, your business is vulnerable.

Operational resilience isn't just a safety net; it adds massive value to your business. 📈

Building clear systems, documenting your processes, and ensuring a continuity plan is in place means your business can survive — and thrive — no matter what life throws your way.

Don't leave it to chance.

We help business owners look beyond the balance sheet to build resilient, structured systems that protect their legacy. Give us a call or get in touch with the team today, and let's make sure your business is truly set up for the long game! 📞💼

27/08/2026

Another month down — Subway sorted for the crew today. 🥪

26/08/2026

⏰ Heads up — a key tax date is coming this Friday (28 August)!

If you're a business or provisional taxpayer, two things fall due on the 28th:
💰 Your first instalment of 2026–27 provisional tax (standard, March balance date)
🧾 GST for the June/July period (two-monthly filers)

A couple of quick tips:
✔️ Pay via myIR or internet banking (use your IRD number + the right tax type as reference)
✔️ Not sure how much, or a bit tight on cash flow? Talk to us before Friday — there are options, and it's far easier to sort ahead of the due date than after.

Already sorted? Nice work. 😊 Need a hand? We're only a call away.

24/08/2026

📊 Standard Provisional Tax vs. AIM: What's the difference?

When your business hits the threshold to pay provisional tax, you generally have two paths to choose from:

🏢 The Standard Method: You pay big, rigid installments three times a year based on history. It's predictable if your income is perfectly flat, but tough if you hit a quiet patch.

💻 The AIM Method: You pay smaller, frequent amounts calculated on your live, real-time profits. It gives you safe-harbour protection from IRD penalties and ensures you don't build up lagging tax debt.

Just remember that AIM is a full-year commitment — once you switch over, you remain on it for the rest of the financial year.

If you prefer smaller, exact pieces over giant, scary lump sums, AIM might be exactly what your cash flow needs. Let's map out a strategy for your business today. ⚖️

21/08/2026

Happy Friday from the REAL team! 🎉

A quick one today — thank you. To every client who trusts us with their numbers and lets us be part of their business journey: we don't take it for granted.

Getting to work alongside good local people is the best part of the job. So thanks for being one of them.

Have a brilliant weekend. ☀️

18/08/2026

It's official — Sean is a Chartered Accountant. 🎉

The letters, the certificate, the whole works — the result of years of hard study, and he's gone and nailed it.

Proper achievement, that. Couldn't be prouder to have him on the REAL team.

Congratulations, Sean — you've earned it! 👏

17/08/2026

📈 If you've been holding back on growing your offshore investment portfolio because of the $50k tax wall, the landscape is about to change.

Navigating the Foreign Investment Fund (FIF) rules has long been a major headache for everyday New Zealand investors holding overseas shares.

Following the recent Budget, the Government is set to double the FIF entry threshold from $50,000 to $100,000, applying from the 2026–27 tax year (1 April 2026) once the legislation is passed.

What this means for your portfolio:

If the total cost of your offshore investments stays under $100,000, you'll generally be exempt from those complex, painful FIF tax calculations — and instead be taxed on the actual dividends you receive.

This long-overdue adjustment means fewer surprise tax bills and way less compliance stress for small-to-medium investors.

Planning your next portfolio move? Let's make sure your investment strategy takes full advantage of these new thresholds. 💰

14/08/2026

It's Friday — quick receipt confession time. 🧾😅

Where do your business receipts actually live right now?
🅰️ Neatly photographed and filed in Xero
🅱️ Thriving in a shoebox, glovebox, or jacket pocket
🅲️ ...receipts?

No judgement if you're a B or C — but future-you, the one doing tax time, is quietly begging present-you to snap a photo before that thermal paper fades into a mysterious blank rectangle.

Weekend quick win: pop the Xero or Hubdoc app on your phone and photograph receipts as you get them. 30 seconds now saves a frantic afternoon later.

Have a great weekend from the REAL CA team! 🌿

Address

37 Monmouth Street
Tauranga
3110

Opening Hours

Monday	8:30am - 4pm
Tuesday	8:30am - 4pm
Wednesday	8:30am - 4pm
Thursday	8:30am - 4pm
Friday	8:30am - 3pm

Telephone

+6475718081

Website

http://www.realca.co.nz/

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