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Thoughts, updates, and practical advice to help you stay ahead.
The NSW workers compensation system changed significantly in 2026, with a number of important reforms taking effect from 1 July 2026. For businesses employing workers in New South Wales, these changes may affect workers compensation insurance, wage declarations, premium calculations, workplace injury reporting, return-to-work responsibilities and penalties for non-compliance. Employers should review their current workers […]
Payday Super is no longer a future payroll change. From 1 July 2026, Australian employers are required to pay superannuation guarantee contributions each time employees are paid, with contributions generally needing to reach the employee’s fund within seven business days of payday. The super guarantee rate remains 12%, but the timing, reporting and cashflow discipline […]
A business can be profitable and still run out of cash. That is one of the hardest lessons many founders learn. Revenue growth looks encouraging. Sales are increasing. New staff are joining. Customers are happy. But if cash is arriving too slowly, leaving too quickly or being committed without a clear forecast, growth can become […]
Compliance is essential in an NDIS business. But that does not mean it should be unmanaged. Many providers know exactly what they spend on accounting software, insurance or an external audit. Far fewer know what compliance costs them per participant, per employee or per billable hour. That is where margin can quietly disappear. The issue […]
A bookkeeper, accountant and Virtual CFO can all work with the same financial data. But they are not doing the same job. The difference is largely about what they do with the numbers. A bookkeeper helps make sure transactions are captured correctly. An accountant turns those records into financial statements, tax reporting and compliance outcomes. […]
An email, phone call or letter from the Australian Taxation Office can make even a well-run business owner uncomfortable. But an ATO audit does not automatically mean the ATO has decided you have done something wrong. The real question is whether your business can clearly explain and support the numbers it has reported. The strongest […]
A 5% payroll error sounds small. On one payslip, it might be. Across 20 employees, 52 weeks, superannuation, penalty rates and other entitlements, it can become a significant financial and compliance problem. For Australian employers, payroll is not simply a matter of multiplying hours by an hourly rate. Modern awards can involve classifications, overtime, penalty […]
Not every accounting app deserves another monthly subscription. In 2026, there are hundreds of tools promising to automate invoicing, bookkeeping, approvals, expenses, payments and reporting. The problem for many small and medium businesses is not a lack of technology — it is having too much technology without a clear finance process behind it. At The […]
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