Should you have a SMSF?

Clear Vision • November 5, 2014

Meet Teneille!

We would like to introduce our latest and greatest Client Services Adminstrator. Teneille will be assisting Melissa ensuring our clients receive efficient and superior service.
Teneille and her partner have 2 gorgeous little girls, she moved here from Cairns (yes…beautiful, tropical Cairns!!); although she is from Toowoomba originally. Teneille is passionate about personal development and the power of assisting others in their own path of self development and growth.
Say Hi to Teneille next time you call!

Should You Have a SMSF?

The term Self Managed Super Fund is thrown around a lot more now than it ever used to be and with good reason. If you are thinking that you should probably start a SMSF yourself then you should at least get the facts and make an informed decision.

We are seeing more and more clients who are interested in being involved in their superannuation and what it can do. The reason is obvious – it’s probably the second largest asset base you will own – after your home! Clients who are interested in investments generally like the control and flexibility that SMSF’ s offer and with the recommended minimum balances changing they are gaining in popularity. But be aware, with benefits comes greater responsibility and administration must be managed correctly. There are many traps for unwary clients and inexperienced advisors – there’s more to this than just lodging a tax return.

So should you start a SMSF? Call me today to gain better understanding of SMSF’s and a cost analysis.
9.5% Quarterly Super Contributions

The next quarterly super contributions are due by the 28th January 2015 and the minimum super guarantee is now 9.5%. The government has deferred future planned rate rises, so the super guarantee will remain at 9.5% until 1 July 2012.

SuperStream can now be used for employers with more than 20 employees and must be implemented by 30 June 2015. Employers with fewer than 20 employees can start using SuperStream from 1 July 2015 and have until 30 June 2016 to implement it.
If you are finding SuperStream confusing call me today and together we can find the best solution for your business.
Seminars – What Next?

Christmas is almost upon us so we will be winding up our seminars for the year. Our last Marketing Seminar presented by John Gray was extremely popular – we are hoping all those who attended have gained a new understanding of the power of online marketing!

We will start the seminars again next year and are currently booking some new and exciting guest speakers. I would love some ideas for 2015 – what would you like to see?
These free seminars are opportunities for businesses to learn new skills as well as network with other like minded local businesses.
Business Development Camp

By the time March 2015 rolls on I will have promoted the Global Business Camp at least 50 times….that is how highly I rate these camps!
The camp provides you with the opportunity to have 3 days with a Clear Vision Accountancy Group client manager working on YOUR business. Together we can build your business to ensure strong growth whilst providing you with the steps to take it to the next level.
For more information contact Justin Searle today.

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.

Have you Thought About Where Your Business Will Be in 5 Years?

By Caroline Gillies • May 11, 2025
At Clear Vision Accountancy Group, we offer tailored services to support your long-term success—from strategic business planning to high-end tax administration. Whether you're aiming for growth, improved profitability, or a clearer direction, we're here to help you build a plan that gets results. If you're ready to map out the next five years with clarity and confidence, contact us today on (07) 4688 2500. Our 1-Page Business Plan will help you with: 1. Vision & Purpose Where are you headed, and why does it matter? What is the core purpose of your business? In five years, what positive impact will you have made on your customers, team, or community? What do you want your business to be recognised for within your industry? 2. Growth & Scale What does success look like, and how will you achieve it? What revenue, profit, or market position are you targeting? How many clients or customers do you want to serve—and in which markets? Are you planning to expand your offerings or enter new territories? 3. Team & Culture Who is helping you build it—and how? What does your ideal team look like in terms of structure, culture, and capabilities? How will you attract, retain, and develop top talent? What kind of leadership values and workplace environment will you foster? 4. Operations & Systems How will you deliver at scale—efficiently and reliably? What systems and workflows need to be in place to support sustainable growth? Which technologies or platforms will you implement to improve efficiency? How automated or streamlined do you want your business operations to become? 5. Brand & Customer Experience What do customers say about you—and why do they keep coming back? How will clients describe their experience with your business? What kind of reputation or brand presence will you be known for? What sets your business apart from the competition ?  Our Dream it. Plan it. Get it! will help you with: 1. Lifestyle & Personal Goals How does your business support the life you want to live? What level of involvement do you want in the day-to-day operations? What does ideal work-life balance look like for you? What personal or financial goals will your business help you achieve?