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
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
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.
As of mid-2025, the Queensland Government has confirmed that payroll tax relief will remain limited to general practitioners (GPs) and GP registrars.
The Albanese government has passed legislation to reduce student debts by 20%—delivering on a key election promise and providing welcome financial relief for more than three million Australians.
The Spouse Super Contribution Tax Offset is a simple, effective way for couples to grow retirement savings and benefit from immediate tax savings.
- Posted in Financial Planning, Growth, q4 wealth, Retirement Planning, Tax & Accounting, Wealth Extraction
- by q4financial