q4 financial

DON'T MISS TAX DEADLINES ! - KEY DATES With the holidays on the horizon, it’s easy to lose track of key tax dates. Ensure your financial records are up to date and ready for upcoming filing deadlines. This includes: Preparing for quarterly Business Activity Statements (BAS) or monthly Instalment Activity Statements (IAS) lodgement and payment due dates: 📌 November IAS due 21 December 📌 January IAS due 21 February 📌 December BAS due 28 February 📌 February IAS due 21 March Reviewing payroll records to ensure compliance, including paying the December quarter super by 28 January. Getting ahead of these deadlines not only reduces stress but also prevents costly penalties. Preparing your business finances for the Christmas season doesn’t have to be overwhelming. At q4 financial we specialise in helping business owners like you stay ahead of financial challenges while focusing on growth opportunities.

Imagine this...Your business is growing, and you're ready to secure a loan or lease equipment to take things to the next level. The lender asks you to sign a personal guarantee. Sounds straightforward, right? Wrong. 💡 Pro tip: Before you commit to a personal guarantee, it’s crucial to know what you’re agreeing to and the potential risks involved - and we've outlined some of these risks in our latest blog. Read our insights here:- https://lnkd.in/gHe3s3iZ

WE'RE HIRING ! - POSITIONS AVAILABLE:- EXPERIENCED CLIENT SERVICES OFFICER : As a Client Services Officer, your primary focus will be assisting with coordinating jobs from start to finish and ensuring all relevant team members are updated every step of the way. Find out more here:- https://lnkd.in/g9JPwz3A CLIENT SERVICES OFFICER / ADMINISTRATION ASSISTANT : We’re looking for a friendly and enthusiastic Administration Assistant to join our supportive team. No prior industry experience? No problem! If you're organised, detail-oriented, and ready to learn, we want to hear from you. Find out more here:- https://lnkd.in/gwiuirmm

As the festive season approaches, it’s easy for business owners to get caught up in the hustle and bustle. From managing increased customer demand to planning end-of-year celebrations, the Christmas period can stretch your time—and your finances. To ensure your business stays financially secure and stress-free, preparation is key. In our latest edition of the Money Matters Newsletter, we've provided you with six actionable steps to help you get ready for the holiday season.

At q4 financial every decision we make—just like every decision we help you make—is backed by purpose and expertise. When we crafted our new tagline, Smart choices today, financial freedom tomorrow, we wanted it to reflect our dual focus: Strategic Accounting and Financial Planning. Here’s how we arrived at it: 💡 Action-Oriented: Today’s smart accounting and financial planning decisions lay the foundation for tomorrow’s success. We’re here to make those decisions simple and effective. 🚀 Forward Focus: It’s about more than just numbers—it’s about where those numbers can take you. Every balance sheet and financial plan is a step toward lasting freedom and stability. 🤝 Our Role: Whether it’s keeping your books accurate, helping you grow your business, or planning for your future, we’re the trusted partner you can count on. This isn’t just a tagline—it’s the essence of what we do: empowering you to achieve your goals with smart, forward-thinking strategies. Let’s turn today’s decisions into tomorrow’s success, together. q4 financial - Smart choices today, financial freedom tomorrow!

Announced in the 2023-24 Federal Budget, payday super is not yet law. However, given the structural changes required to administer the new law, Treasury has released a fact sheet to help employers better understand the implications of the impending change. From 1 July 2026, employers will be obligated to pay superannuation guarantee (SG) on behalf of their employees on the same day as salary and wages instead of the current quarterly payment sequence. Read more on this proposed change and the obligations of business owners and employers in our latest insight:- https://lnkd.in/gJw7MpUz

Boost your cyber resilience ! 💪 🔐 The government has launched a new Small Business Cyber Resilience Service which will provide free, tailored one on one assistance to help small businesses navigate cyber challenges. Find out more about the service here:- https://lnkd.in/giuX_yiC This is in addition to the government’s Cyber Wardens program that provides small businesses with free online training to help identify cyber safety practices they can implement to prevent and protect against digital threats. Find out more here:- https://lnkd.in/game84hs

With Donald Trump elected President of the US (again) there have been questions over the impacts this has to investors and Australia. We've sourced this summary from Shane Oliver - Head of Investment Strategy and Economics and Chief Economist, AMP for you to consider. You can read his thoughts below:- https://lnkd.in/gAemS5k5 And always be sure to engage with a qualified financial adviser when making any decisions that may affect your financial position. *** [Before acting on any General Advice, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs. If the advice relates to acquiring a particular financial product, you should obtain and consider the Product Disclosure Statement (PDS) for that product before making any decisions.]

While money may not directly buy happiness, research indicates that financial stability can greatly enhance well-being in retirement. For older Australians, financial stability is a key factor in achieving happiness during retirement. According to the survey, 65 percent of Australians aged 60 and over reported that they would be significantly happier if they didn't have to worry about their finances. Read on for more insights from our Money Matters Newsletter.

Margaret, a 66-year-old widow, was referred to us at q4 financial by an existing client after the tragic passing of her husband. Even though Margaret and her late husband owned their assets jointly, it felt as though she “inherited” significant assets, including a home, shares, superannuation, and an investment property, as she had had no prior involvement in managing the family’s financial matters. Margaret’s sudden role as the sole financial decision-maker left her feeling overwhelmed and fearful of her financial future. Read how we supported Margaret through this journey here:- https://lnkd.in/gMtfuZCY