Australians are constantly being told they are not saving enough for their retirement. The argument goes that unless you have enough saved in superannuation you will be forced to rely on the Age Pension. But this is not the whole story. 

How many times have you, as a business person or as an employee been involved in a conversation with a friend or a colleague and the subject of tax breaks has come up? As a registered tax agent I can’t quantify the amount of times that a client has come to me and told me about the latest way that they have heard they can get a tax break. Usually told over a drink at the pub or some other social function. 

Decisions around aged care are always difficult and emotional. From the start of next year they are likely to get even more complex, with both the Age Pension and aged care sectors set for another shake-up.

The Internet opens up small businesses to global markets and a wealth of opportunity, but it also puts you in contact with people whose intent is to harm your business. Avoidable security breaches are, sadly, a fact of life for many small businesses – in some cases the impacts of which are so severe that they can be put out of business entirely.

November is here and it’s safe to say Christmas is coming. As a retailer, it’s important that you are well equipped to make the most of the marketing opportunities that come with the holiday season.

One of the reasons people say they don’t have income protection is the perceived cost. But if you were to lose your ability to earn you might regret not having cover, or not having enough cover.

What do most successful businesses have in common? They have repeat customers. Cultivating relationships is the first step toward gaining repeat business.

Family wealth can take a lifetime to accrue, but can also disappear in an instant through poorly considered generosity.    

This 3 minute read may be one of the most important articles you have ever read!

In my dealings with business owners, I am often asked to give advice about the direction of their business. In doing this, I ask a generic set of questions that range from topics about financial issues to lifestyle ones. The one question that almost always draws a blank or a puzzled look from my clients is “What is your end game?” Basically, what is your exit strategy?

We all know that cash flow is king. But just how much sway does it have? Well, you might want to ask the nine out of 10 small businesses that have failed because of cash flow problems.