Payday super reforms officially became law on 6 November 2025, following Royal Assent. With these changes now legislated We look at the details and the impending obligations on employers.
Discover why the biggest gains in wealth and business come after the “boring middle.” Learn how compounding works and why patience is key to long-term financial success.
- Posted in Business Advice, Financial Planning, Growth, Profitability, Retirement Planning, Tax & Accounting, Wealth Extraction
- by Helen Spencer
The government has announced four key changes to the age pension regime in Australia, all have taken effect from 20 September 2025. These are not minor tweaks – some of them will require you to review your planning now.
- Posted in Business Advice, Financial Planning, Retirement Planning, Tax & Accounting, Wealth Extraction
- by Helen Spencer
This month, we’re excited to shine a light on one of our long-term clients, Happy Real Estate International. Founded in 2015, Happy Real Estate has built a reputation for delivering boutique, five-star service to their clients.
Until recently, trusts in Queensland could only run for up to 80 years. That’s now changed. As of 1 August 2025, new legislation allows trusts governed under Queensland law to last for up to 125 years.This reform opens new opportunities for long-term planning—particularly for families and businesses wanting to preserve wealth across generations.
- Posted in Business Advice, Financial Planning, q4 financial, q4 wealth, Retirement Planning, Tax & Accounting
- by q4financial
Estate planning is one of those areas that many people put off, but it plays a crucial role in safeguarding not just your financial position, but also the security of your loved ones.
EOFY (End of financial year) isn’t just about compliance — it’s about clarity and control. It’s a key opportunity to make smart decisions that can manage your tax, strengthen your business, and set you up for a successful start to the new financial year.
This post is for
the business owner who’s ready to reclaim their time, trust their team, and build a business that thrives even when you’re not in the room.
Many owners expect the exit to be the easy part. In reality, exiting your business well requires just as much strategy, foresight, and discipline as growing the business did in the first place.
- Posted in Business Advice, Financial Planning, Retirement Planning, Risk Mitigation, Succession, Tax & Accounting, Wealth Extraction
- by q4financial
At q4 financial, we take great pride in working with businesses that are making a real impact in their communities. This month, we’re shining the spotlight on Move Physio Pilates, a dynamic and client-focused physiotherapy and movement studio dedicated to helping people move at their best.
- Posted in Business Advice, Growth, q4 Clients, q4 financial, Risk Mitigation, Tax & Accounting, Wealth Extraction
- by q4financial