Australia’s housing affordability challenges continue to dominate national conversation, and as the federal government looks ahead to the next budget, capital gains tax (CGT) reform is back on the table.
The challenge isn’t having goals.
It’s turning them into a clear, workable financial strategy — and then actually making progress on them.
- Posted in Business Advice, Financial Planning, Retirement Planning, Tax & Accounting, Wealth Extraction
- by q4financial
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 q4financial
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 q4financial
From 1 July 2026, new tax rules will apply to those with super balances above $3 million. Key details are included in this post...
- Posted in Financial Planning, Retirement Planning, Tax & Accounting, Wealth Extraction
- by q4financial
More Australians than ever are finding themselves caught in the “retirement sandwich”—and it’s time to talk about what that means for your financial future.
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
Our financial planning advisers work closely with established business owners to help them make informed, strategic investment decisions. Whether you're thinking about purchasing an investment property, creating passive income, or building a legacy for your family, we walk you through every step — ensuring your wealth works just as hard as you have.
Here’s how to get started the right way...
- Posted in Financial Planning, q4 financial, q4 wealth, Retirement Planning, Wealth Extraction
- by q4financial
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’re keeping a close eye on the data, and we continue to guide our clients with a calm, strategic approach. Long-term investing is about staying the course — not reacting to headlines.
- Posted in Financial Planning, q4 financial, q4 wealth, Retirement Planning, Risk Mitigation, Wealth Extraction
- by q4financial