Business by Design

Clear Vision • April 22, 2016

Nobody would consider starting to build a house or a bridge without first working out the design – thinking about how it will look, what it will be made of, how it will all fit together.  So why do so many of us run our businesses without any thought to design?

The Business by Design is a message I’ve been increasingly reinforcing to my clients in the last 12 months and one you’ll continue to see as an integral part of how Clear Vision works with its clients.

The days of starting a business “to see how it goes” or running a business and “hoping for the best” when it comes to structure, profits and your lifestyle are a thing of the past.  The modern business landscape is changing fast and we need to picture and plan for our future, and how our business fits into it, or we’ll all be left behind.

But what does Business by Design mean for Clear Vision and its clients?

For Clear Vision, Business by Design is a representation of how we work with you and what the future of accountancy and business advisory services will look.  It’s about working proactively with our clients instead of sitting back and waiting for tax returns and general business questions.  It’s about working with our clients to identify personal and business goals then setting out a plan to achieve those goals.  We help you answer the questions:  “What do I want my business to look like?  And how do I achieve that?”

For our clients, Business by Design is about taking charge of your future.  It’s about moving past the idea that just working harder and doing more hours will help your business thrive, grow and be profitable.  It’s about taking the time to really understand what you want personally, how that shapes what your business needs to look like and then how to achieve that.  All with Clear Vision beside you helping get it done.

Whether you’re an existing client of Clear Vision Accountancy Group or not we can work with you and help you build a Business by Design.  It also doesn’t matter whether your business is yet to be born, is relatively new or has been around for years – there is always the opportunity to work positively towards how it will look in the future.

12% Superannuation Guarantee - 1 July 2025

By Caroline Gillies • June 22, 2025
From 1 July 2025, the Superannuation Guarantee (SG) rate in Australia will increase to 12%. This means employers will be legally required to contribute at least 12% of an eligible employee's ordinary time earnings to their superannuation fund. This increase is the final step in a legislated rise from 9.5% in 2021 to 12% by 2025, aimed at boosting retirement savings for Australian workers. If you use Xero for payroll, the SG rate should automatically update in the system. However, we recommend you double-check your payroll settings to ensure everything is correct. If you’re unsure or need assistance, please contact your bookkeeper or get in touch with us at: Clear Vision Accountancy Group (07) 4688 2500 We’re here to help you stay compliant and avoid any costly errors.

Capital Gains Tax Implications of Subdividing Land in Australia

By Caroline Gillies • June 1, 2025
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Autumn Tax Tips: Make the Most of the Final Weeks Before Year-End

By Caroline Gillies • May 25, 2025
As we step into the final week of autumn and feel winter’s chill approaching, it’s a natural time for reflection—and that includes taking stock of your financial and tax situation. The end of the year is closer than it seems, and a bit of preparation now can make a significant difference come tax season. Here are a few things to consider as the leaves fall: 1. Review Your Income and Deductions This is a good moment to check your income year-to-date and consider whether there are any deductions you can still take advantage of. Charitable donations or investment losses might help reduce your taxable income before year-end. 2. Maximise Super Concessional Contributions If you haven’t yet maxed out your superannuation concessional contributions, there’s still time. Remember unused cap amounts carry forward for 5 years and the 2019-20 unused cap amount will expire 30 June 2025. These contributions not only help secure your future but can also offer tax benefits now. 3. Organise Your Records Autumn’s slower pace is perfect for pulling together receipts, invoices, and financial documents. Getting organised now means less stress later when tax season begins in earnest. 4. Consider Tax-Loss Harvesting If you’ve had investments that underperformed, selling them before the end of the year to offset gains can be a strategic move. Consult with us today to see if this makes sense for you. 5. Plan Ahead Winter may bring holidays and downtime, but it's also a good window to consult with a tax professional. A quick meeting before year-end can reveal savings opportunities or help avoid surprises when you file. So, as the days grow shorter and frost begins to settle in, use this time to bring clarity and warmth to your finances.