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# Armada Accountants & Advisors

Perth’s leading accounting firm for businesses & individuals. Experts in Tax, Audit, Bookkeeping, Financial Planning, Virtual CFO & SMSF. Visit core pages for strategic advice.

## Sitemaps

- [XML Sitemap](https://armada.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [NEWS](https://armada.com.au/armada-blogs/) - Stay updated with the latest tax, business, and finance insights from Armada’s expert team. Practical advice for individuals, families & growing businesses.
- [Tax, Super & Employee Entitlement Changes For 2024-25 Financial Year](https://armada.com.au/tax-super-employee-entitlement-changes-for-2024-25-financial-year/) - Learn about 2024-25 tax rate changes, superannuation updates, and new employee entitlements. Stay informed for the new financial year.
- [What Happens To My Business If I Die?](https://armada.com.au/what-happens-to-my-business-if-i-die/) - What happens to your business if you die? Learn how structure, wills, succession and insurance protect your business. Speak to an advisor today.
- [The timeline for Succession Planning Starts Earlier Than You Think](https://armada.com.au/the-timeline-for-succession-planning-starts-earlier-than-you-think/) - Succession planning should start 5–10 years before exit. Learn the right timeline and steps to protect your business. Speak with an advisor today.
- [FBT in Focus: Heightened ATO Scrutiny for Year Ended 31 March 2026 ](https://armada.com.au/fbt-in-focus-heightened-ato-scrutiny-for-year-ended-31-march-2026/) - Is your business FBT compliant? Discover the latest rules for employee contributions, travel, and entertainment for the 2026 tax year. Stay ahead of the ATO.
- [2025 FBT Deadline & Key Changes You Can’t Afford to Miss](https://armada.com.au/2025-fbt-deadline-key-changes-you-cant-afford-to-miss/) - Learn what’s new for 2025 FBT, including electric vehicle rule changes, record-keeping tips, and key dates to avoid penalties and stay compliant.
- [End of Year Shutdown Considerations](https://armada.com.au/end-of-year-shutdown-considerations/) - Businesses need to take several steps to ensure a smooth temporary closure for holidays.
- [Navigating FBT Implications for Christmas Parties](https://armada.com.au/navigating-fbt-implications-for-christmas-parties/) - As the end of the year approaches, many businesses have begun to focus on planning Christmas parties for their teams.
- [Electric Cars & Fringe Benefits](https://armada.com.au/electric-cars-fringe-benefits/) - Employers are now exempt from paying FBT on eligible electric cars. Learn about the criteria and reportable fringe benefits requirements.
- [FBT Consequences of providing Benefits To Employees](https://armada.com.au/fbt-consequences-of-providing-benefits-to-employees/) - Understand the FBT consequences of Christmas parties and gifts. Learn about exempt benefits, minor benefits, and tax deductibility for your business.
- [NFP & Charity Regulatory Updates](https://armada.com.au/nfp-charity-regulatory-updates/) - Stay updated on NFP and charity regulations, including AASB reporting, ACNC thresholds, and new financial disclosure obligations for improved transparency.
- [How Are You Managing Your Business Risk?](https://armada.com.au/how-are-you-managing-your-business-risk/) - Learn how to identify, manage and minimise business risk. Armada's advisors can help you build a tailored risk management strategy. Get in touch today.
- [Trust Distribution Minutes Need to Be Finalised Before 30 June](https://armada.com.au/trust-distribution-minutes-need-to-be-finalised-before-30-june/) - Trust distribution minutes must be signed before 30 June or your trust may be taxed at the top marginal rate. Get yours finalised with Armada today.
- [Forgiving an Unpaid Present Entitlement (UPE) due from a Trust](https://armada.com.au/forgiving-an-unpaid-present-entitlement-upe-due-from-a-trust/) - Thinking of forgiving a Trust UPE? Learn the tax risks, the impact of Section 100A, and how timing affects your family trust's compliance. Read our guide.
- [ASIC Removes Company Director’s Home Addresses](https://armada.com.au/asic-removes-company-directors-home-addresses/) - As of Febuary 2026, ASIC will no longer show directors' home addresses on public records. Learn how this impacts your privacy and identity security. Read more.
- [The Cost of Unpaid Superannuation](https://armada.com.au/the-cost-of-unpaid-superannuation/) - Unpaid super affects 1 in 4 Australian workers, costing $1,700 yearly. Late payments lead to costly Super Guarantee Charges. Ensure timely payments.
- [Game Plan for Success recap](https://armada.com.au/game-plan-for-success-recap/) - A look back at our final event of 2023—Game Plan for Success. Discover how clubs and groups gained tools to grow. Help shape our 2024 events calendar!
- [Small Business Energy Incentive](https://armada.com.au/small-business-energy-incentive/) - The federal government detailed new legislation in July 2023 for small businesses seeking energy efficiency upgrades.
- [Staying On Top Of Your Cash flow](https://armada.com.au/staying-on-top-of-your-cash-flow/) - Learn why monitoring cash flow is vital for business success. Improve planning, track spending, avoid insolvency, and keep operations running smoothly.
- [Be Wary of Jumping Headfirst Into AI](https://armada.com.au/be-wary-of-jumping-headfirst-into-ai/) - AI offers efficiency and insights, but balancing it with human expertise is crucial. Understand the benefits of AI while valuing human creativity and judgment.
- [What Happens When AI Gets it Wrong?  ](https://armada.com.au/warning-on-ai-use-in-tax-disputes/) - With the property market continuing to grow, more people are buying, developing and selling property.
- [Payday Super - Superannuation Is Changing And Business Owners Need To Act Now  ](https://armada.com.au/payday-super-superannuation-is-changing-and-business-owners-need-to-act-now/) - Super is changing on 1 July 2026. Learn how the new Payday Super rules impact your cash flow, payroll systems, and ATO compliance. Read our guide now.
- [Payday Super: The Cash Flow Impact Will Be Permanent ](https://armada.com.au/payday-super-the-cash-flow-impact-will-be-permanent/) - Is your business ready for the end of quarterly super? Learn how the 1 July 2026 Payday Super reform permanently changes your cash flow and capital. Read now.
- [When Customers Pay Late, Your Business Pays the Price](https://armada.com.au/when-customers-pay-late-your-business-pays-the-price/) - Late payments hurt your cashflow and growth. Discover effective strategies to get paid on time and reduce overdue invoices without damaging relationships.
- [ATO updates holiday home tax rules ](https://armada.com.au/ato-updates-holiday-home-tax-rules/) - The ATO has updated holiday home tax rules for the first time since 1985. Learn how the new risk-rating system affects your rental deductions. Read more here.
- [Missing your GST deadlines? The ATO is watching](https://armada.com.au/missing-your-gst-deadlines-the-ato-is-watching/) - From 1 April 2025, non-compliant small businesses face monthly GST reporting. Learn how to stay on track and avoid ATO penalties with timely BAS lodgements.
- [Overcoming the Pilbara’s Unique Business Challenges with Business Advisory Services](https://armada.com.au/overcoming-the-pilbaras-unique-business-challenges-with-business-advisory-services/) - Discover how Pilbara businesses can overcome isolation, labour shortages, and infrastructure challenges with strategic advisory insights.
- [Are You Eligible for The Zone Tax Offset if you are living in the Pilbara?](https://armada.com.au/are-you-eligible-for-the-zone-tax-offset-if-you-are-living-in-the-pilbara/) - Discover Pilbara Zone Tax Offset eligibility, benefits, & claiming process. Learn if you qualify for tax rebate & how to navigate requirements.
- [Lower Company Tax Rate Eligibility](https://armada.com.au/lower-company-tax-rate-eligibility/) - Learn if your company qualifies for the lower 25% tax rate. Check the eligibility criteria, turnover threshold, and passive income rules. Contact us for advice.
- [Tips For Managing Costs In An Inflationary Environment](https://armada.com.au/tips-for-managing-costs-in-an-inflationary-environment/) - Navigate rising costs with smart strategies. Learn how to adjust pricing, cut expenses, and optimise operations to manage inflation effectively.
- [Updated Guidance on Claiming Deductions for Working From Home](https://armada.com.au/updated-guidance-on-claiming-deductions-for-working-from-home/) - The ATO revised WFH deduction rules, raising the fixed rate to 67c/hr. Ensure accurate claims by tracking hours and keeping receipts for all expenses.
- [Small Business Restructuring Process](https://armada.com.au/small-business-restructuring-process/) - The Small Business Restructuring Process helps reduce debt while directors stay in control, restoring liquidity and enabling continued business operations.
- [Managing Business Travel Claims](https://armada.com.au/managing-business-travel-claims/) - Learn how to claim business travel expenses, understand ATO rules on travel allowances, and keep compliant with detailed records for overseas trips.
- [Long-Term Tax Tips for New Business Owners](https://armada.com.au/long-term-tax-tips-for-new-business-owners/) - Explore tax planning tips for new entrepreneurs, from reducing tax liabilities to understanding deductions and choosing tax-efficient business structures.
- [How Travel Costs Should Be Substantiated](https://armada.com.au/how-travel-costs-should-be-substantiated/) - Understand how to substantiate travel costs for deductions. Learn what expenses are claimable, whether you're an employee or employer, to ensure compliance.
- [ATO Focus on Privately Owned and Wealthy Groups for 2025 - 26](https://armada.com.au/ato-focus-on-privately-owned-and-wealthy-groups-for-2025-26/) - The ATO is increasing scrutiny on privately owned and wealthy groups in 2025–26. Learn the key risk areas, who may be targeted, and how to stay compliant.
- [Warning: ATO Tax Scams on the Rise](https://armada.com.au/warning-ato-tax-scams-on-the-rise/) - Tax scams are rising in 2025. Learn how to spot fake ATO calls, emails & texts, and protect your personal info from fraud. Stay safe this tax season.
- [Dangers of DIY Tax for Businesses](https://armada.com.au/dangers-of-diy-tax-for-businesses/) - DIY tax can cost your business more than you think. Avoid errors, missed deductions, and audit risks by understanding the dangers of self-managed tax lodgement.
- [Does Being Self-Employed Make It Harder to Obtain Finance?](https://armada.com.au/does-being-self-employed-make-it-harder-to-obtain-finance/) - Discover key strategies to secure a home loan as a self-employed borrower. Learn how to improve your chances of approval with proper documentation and planning.
- [Your Guide to EOFY Tax Deductions](https://armada.com.au/your-guide-to-eofy-tax-deductions/) - Maximise your tax savings before June 30 with our guide to EOFY deductions. Discover tips for businesses, investors, and individuals to optimise your returns.
- [Can I Get a Home Loan If I Have Afterpay Debt?](https://armada.com.au/can-i-get-a-home-loan-if-i-have-afterpay-debt/) - Wondering if Afterpay debt impacts your home loan? Find out how BNPL services like Afterpay affect borrowing power and tips to improve your mortgage chances.
- [Stage 3 Income Tax Cuts For Individuals To Be Changed](https://armada.com.au/stage-3-income-tax-cuts-for-individuals-to-be-changed/) - The government plans to reinstate the 37% tax rate for middle-income earners to alleviate their tax burden, reversing the previously proposed abolition under the "Stage 3" tax cuts.
- [Technology Investment Boost - What Can You Claim?](https://armada.com.au/technology-investment-boost-what-can-you-claim/) - Claim a 20% bonus deduction on tech expenses with the Technology Investment Boost. Eligible for digital tools and services incurred from March 2022 to June 2023
- [Young Australians Severely Lacking Key Financial Tools](https://armada.com.au/young-australians-severely-lacking-key-financial-tools/) - Young Australians often lack key financial knowledge. Learn why financial literacy is low and how early education can improve money management skills.
- [Don't Ignore myGov Emails](https://armada.com.au/dont-ignore-mygov-emails/) - myGov alerts may include vital ATO updates on debts or lodgements. Always verify legitimacy and log in directly—your tax health could depend on it.
- [Fair Work Changes You Need To Be Aware Of](https://armada.com.au/fair-work-changes-you-need-to-be-aware-of/) - Stay compliant with Fair Work changes under the Secure Jobs, Better Pay Act 2022. Review pay terms, job ads, contracts, and new leave entitlements.
- [What Can I Actually Claim On Tax?](https://armada.com.au/what-can-i-actually-claim-on-tax/) - Understand what expenses you can claim on tax, from business assets to deductions. Avoid common mistakes and maximise your returns this EOFY.
- [Tax Scams – What To Look Out For](https://armada.com.au/tax-scams-what-to-look-out-for/) - Stay alert for tax scams this financial year. Learn how to spot fake ATO messages, protect your personal info, and avoid falling victim to fraud.
- [Claiming Tax Deductions On Your Super Contributions](https://armada.com.au/claiming-tax-deductions-on-your-super-contributions/) - Eligible taxpayers can claim tax deductions on unused super contributions. Boost your retirement savings by utilising prior years’ concessional caps.
- [Cryptocurrency & Your SMSF](https://armada.com.au/cryptocurrency-your-smsf/) - The prominence of cryptocurrency can make it look attractive to invest in crypto through your Self-Managed Super Fund (SMSF).
- [Transitioning To A New Accountant](https://armada.com.au/transitioning-to-a-new-accountant/) - Thinking of switching accountants? Learn the steps for a seamless transition and find the right financial partner to meet your business or personal needs.
- [Efficient Record Keeping for Smooth Finances](https://armada.com.au/efficient-record-keeping-for-smooth-finances/) - Streamline your business finances with effective record-keeping. Ensure compliance, organise documents, and protect your data for better financial management.
- [Equipping Your Children With The Right Financial Tools](https://armada.com.au/equipping-your-children-with-the-right-financial-tools/) - Help your children learn about taxes, super & budgeting early. Equip them with essential financial skills for a secure and independent future.
- [Cryptocurrency as a Personal Use Asset](https://armada.com.au/cryptocurrency-as-a-personal-use-asset/) - The ATO may classify crypto as a personal use asset if used for purchases, not investments. Learn the tax implications and how to stay compliant.
- [ATO Issues Warning Against Holiday Home Rental Deductions](https://armada.com.au/ato-issues-warning-against-holiday-home-rental-deductions/) - The ATO warns holiday home owners about incorrect rental claims. Ensure your deductions are valid by keeping accurate records and meeting ATO guidelines.
- [Reminder: Keep Your Crypto Records](https://armada.com.au/reminder-keep-your-crypto-records/) - Ensure you have detailed crypto records, including dates, prices, wallets, and transaction details, to stay compliant with ATO requirements.
- [Report Your Crypto Losses](https://armada.com.au/report-your-crypto-losses/) - Report your crypto losses to the ATO to offset gains in other areas. Ensure you comply with tax rules and explore strategies for a diversified portfolio.
- [Back to Basics - Tax 101 Recap](https://armada.com.au/back-to-basics-tax-101-recap/) - Recap of our Tax 101 Lunch and Learn event hosted by young accountants. Learn about income tax basics and key traps.
- [New SMSF Property Investment Rules: What Trustees Need to Know](https://armada.com.au/new-smsf-property-investment-rules-what-trustees-need-to-know/) - SMSFs can no longer use LRBAs to buy new residential property. Learn what this means for trustees and how it affects your retirement strategy.
- [SMSF 101- What You Need to Know Before Considering an SMSF](https://armada.com.au/smsf-101-what-you-need-to-know-before-considering-an-smsf/) - Thinking about an SMSF? Learn how Self-Managed Super Funds work, the benefits, key risks, and what's involved before you take control of your retirement savings.
- [Reminder - Pension Drawing from Super Before EOFY](https://armada.com.au/reminder-pension-drawing-from-super-before-eofy/) - Retiring with an SMSF? Review your pension drawings before 30 June to meet minimums, stay compliant, and protect your tax-free retirement benefits.
- [Division 296 Update: What’s Changed and What It Means for Your Super Background on Division 296   ](https://armada.com.au/division-296-update-whats-changed-and-what-it-means-for-your-super-background-on-division-296/) - Learn about the latest Division 296 updates—what’s changed, what remains, and how the new two-tier system affects high-balance superannuation members.
- [Beware of Financial Advice from AI, Social Media, and SMSFs “Tips” ](https://armada.com.au/beware-of-financial-advice-from-ai-social-media-and-smsfs-tips/) - Unregulated SMSF tips from AI & social media can be risky. Learn the dangers of online financial advice and why licensed guidance is safer for your future.
- [How Much Can I Put Into My Super?](https://armada.com.au/how-much-can-i-put-into-my-super/) - Find out how much you can contribute to super in 2024–25. Learn about new concessional and non-concessional caps, carry-forward rules, and ATO guidelines.
- [SMSF Loans, Are These A Thing Of The Past?](https://armada.com.au/smsf-loans-are-these-a-thing-of-the-past/) - SMSF loans have changed since 2007. Find out how they work today, why they were popular, and the impact of regulatory changes on property investments.
- [The Reality of Setting Up Your SMSF Online](https://armada.com.au/the-reality-of-setting-up-your-smsf-online/) - Setting up an SMSF online offers convenience but comes with risks. Understand legal, investment, and security concerns before choosing an online platform.
- [The super guarantee charge – What is it and how is it calculated?](https://armada.com.au/the-super-guarantee-charge-what-is-it-and-how-is-it-calculated/) - Understand the Super Guarantee Charge (SGC): how it’s calculated, components involved, and the consequences of late superannuation contributions.
- [Strategies For Investing In Property Through Your SMSF](https://armada.com.au/strategies-for-investing-in-property-through-your-smsf/) - Learn how to invest in property through your SMSF, leverage tax benefits, and build wealth for retirement. Understand key rules and strategies for success.
- [Superannuation - Significant Changes To Be Aware Of](https://armada.com.au/superannuation-significant-changes-to-be-aware-of/) - The federal government announced two significant measures regarding superannuation as part of the 2023-24 Federal Budget.
- [Proposed Changes To Superannuation & How This Will Impact You](https://armada.com.au/proposed-changes-to-superannuation-how-this-will-impact-you/) - The Federal Government has introduced a proposal to impose a limit on tax concessions for superannuation
- [Super Balances Take A Hit](https://armada.com.au/super-balances-take-a-hit/) - Super balances fall by 5% due to sharemarket and bond declines. Experts advise against reactive decisions—stay diversified for long-term stability.
- [Critical Business Care](https://armada.com.au/critical-business-care/) - Protect your business from potential risks with proactive planning. Learn how to identify, prioritise, and mitigate risks for long-term stability and success.
- [Selling your Perth or WA Based Business?](https://armada.com.au/selling-your-perth-or-wa-based-business/) - Planning on selling your business then you need to take into consideration the steps you will need to take in order to prepare and sell your business.
- [Navigating Leadership Transitions](https://armada.com.au/navigating-leadership-transitions/) - Explore effective strategies for managing leadership transitions, including succession planning, communication & employee engagement to ensure smooth changes.
- [Essential Tax Considerations For Doctors and Medical Professionals](https://armada.com.au/essential-tax-considerations-for-doctors-and-medical-professionals/) - Doctors and medical professionals must report all income and claim work-related deductions like self-education, registration fees, and vehicle expenses.
- [Evaluating Business Process & Protecting Your Bottom Line](https://armada.com.au/evaluating-business-process-protecting-your-bottom-line/) - Understanding your business processes helps you make necessary adjustments and improvements, ensuring efficiency and protecting your bottom line.
- [Improving Team Culture for 2023](https://armada.com.au/improving-team-culture-for-2023/) - Enhance your team culture with collaboration, appreciation, openness, and support. Set clear goals and provide resources to foster a thriving workplace.
- [Half A Million Job Vacancies – How To Attract & Retain Workers](https://armada.com.au/half-a-million-job-vacancies-how-to-attract-retain-workers/) - With 480,100 job vacancies, learn how to attract and retain talent by strengthening workplace culture, offering flexibility, and hiring based on company values.
- [Combating The Big INFLATION](https://armada.com.au/combating-the-big-inflation/) - Learn practical tips to combat inflation—boost income, cut costs, review taxes, insurance, and loans. Maximise efficiency and protect your financial future.
- [Professional Firms Allocating Profit](https://armada.com.au/professional-firms-allocating-profit/) - Understand the ATO's new profit allocation guidelines for professional firms. Ensure your arrangements comply with the latest tax obligations and avoid risks.
- [Reducing The Impact Of Inflation On Your Business](https://armada.com.au/reducing-the-impact-of-inflation-on-your-business/) - Learn strategies to reduce the impact of inflation on your business. Improve efficiency, manage supply chain risks, and revisit pricing to protect your profits.
- [Contracts in Inter-Entity Dealings   ](https://armada.com.au/contracts-in-inter-entity-dealings/) - The Full Federal Court recently denied millions in tax deductions for a real estate group. Learn why written contracts are vital for inter-entity fees in 2026.
- [The ATO’s new focus on income splitting: are you at risk?](https://armada.com.au/the-atos-new-focus-on-income-splitting-are-you-at-risk/) - The ATO is targeting Personal Services Income (PSI) misuse. Learn the new risk ratings and the 30 June 2027 deadline to fix your tax structure. Read now.
- [What The Reserve Bank’s Latest Rate Rise Means for Your Business  ](https://armada.com.au/what-the-reserve-banks-latest-rate-rise-means-for-your-business/) - The RBA has raised rates to 3.85%. Is your business ready? Discover how inflation and higher borrowing costs affect your cash flow and how to adapt. Read now.
- [What Business Owners Need to Know Before FY25 Begins](https://armada.com.au/what-business-owners-need-to-know-before-fy25-begins/) - Super rate, wages, parental leave, and tax rules are changing from 1 July 2025. Ensure your payroll, budget, and compliance are ready for FY25.
- [Labor Re-elected in a Landslide: What It Means for You & Your Business](https://armada.com.au/labor-re-elected-in-a-landslide-what-it-means-for-you-your-business/) - Discover how Labor’s 2025 win impacts your tax, business, student debt, and instant asset write-offs with major reforms and federal budget updates.
- [What Former Company Directors Should Do If They Receive a Director Penalty Notice](https://armada.com.au/what-former-company-directors-should-do-if-they-receive-a-director-penalty-notice/) - Former company directors: Learn how to handle a Director Penalty Notice. Get expert tips to mitigate liability and act swiftly to protect your interests.
- [What Type of Investment Property Is Right For You](https://armada.com.au/what-type-of-investment-property-is-right-for-you/) - Find the perfect property investment. Understand the differences between residential and commercial properties to make an informed decision.
- [What Is A Bucket Company and Should You Have One?](https://armada.com.au/what-is-a-bucket-company-and-should-you-have-one/) - Learn about bucket companies—how they protect assets, optimise tax planning, and aid in wealth transfer. Discover if this strategy fits your financial needs.
- [Safeguarding Your Assets Is Not An Option—It's a Necessity](https://armada.com.au/safeguarding-your-assets-is-not-an-option-its-a-necessity/) - Protect your wealth with expert asset protection strategies. Learn how structure, insurance, and planning can shield your business from legal and financial risk.
- [When Bookkeeping Isn’t Enough For Your Business Anymore... Do You Need a Virtual CFO?](https://armada.com.au/when-bookkeeping-isnt-enough-for-your-business-anymore-do-you-need-a-virtual-cfo/) - Explore how Armada's Virtual CFO services can provide strategic financial leadership, tailored insights, and scalable support to drive your business growth.
- [When Your Business Becomes Too Overwhelming…Who Do You Turn To?](https://armada.com.au/when-your-business-becomes-too-overwhelmingwho-do-you-turn-to/) - Find out how CFO consulting services can provide expert financial guidance, cost savings, and flexible support to help your business thrive
- [Tax Reform Update: CGT And Negative Gearing Changes Passed In Parliament](https://armada.com.au/tax-reform-update-cgt-and-negative-gearing-changes-passed-in-parliament/) - Parliament has passed major CGT and negative gearing reforms taking effect 1 July 2027. See what the changes mean for investors, trusts and business owners.
- [Navigating Business Roadblocks: Strategies for Success](https://armada.com.au/navigating-business-roadblocks-strategies-for-success/) - Navigate the hurdles of business with resilience. From economic shifts to internal dynamics, overcome challenges for business success.
- [7 Things Successful Business People Do Well](https://armada.com.au/7-things-successful-business-people-do-well/) - Discover 7 time management strategies successful business owners use to boost productivity, efficiency, and work-life balance in the new year.
- [Paid family and Domestic Violence Leave for Small Business](https://armada.com.au/paid-family-and-domestic-violence-leave-for-small-business/) - Small businesses must now offer 10 days paid family and domestic violence leave. Learn who qualifies, how it works, and what employers need to do.
- [Key Tax Dates For Business Owners to Be Aware Of](https://armada.com.au/key-dates-for-business-owners-to-be-aware-of/) - Stay on top of key tax dates for the 2023/24 financial year. Important deadlines include payment summaries, superannuation payments, and tax lodgements.
- [Another Round of Successful Events](https://armada.com.au/another-round-of-successful-events/) - Armada's recent events on crypto tax & tax planning drew 90 guests. Join us for our next event, Cash Flow SOS, on 22 June. Register for free on Eventbrite.
- [High Inflation Still With Us, But Beginning To Decline](https://armada.com.au/high-inflation-still-with-us-but-beginning-to-decline/) - Inflation is easing, but prices in sectors like medical and food remain high. Discover what this means for your finances and spending habits.
- [Are Your Assets Secure?](https://armada.com.au/are-your-assets-secure/) - Ensure your assets are secure with smart strategies like trusts, business structuring, insurance, and estate planning. Safeguard your hard-earned wealth.
- [Single Touch Payroll Phase 2 Extension Deadline Is Approaching](https://armada.com.au/single-touch-payroll-phase-2-extension-deadline-is-approaching/) - Single Touch Payroll Phase 2 deadline for MYOB and Xero users is 31 Dec 2022. Ensure full compliance to avoid penalties. Contact us for assistance.
- [Business Distress Warning Signs](https://armada.com.au/business-distress-warning-signs/) - Learn key warning signs of business distress, including cash flow issues, late payments, and declining sales. Take action early to safeguard your business.
- [2026/27 Federal Budget](https://armada.com.au/2026-27-federal-budget/) - Major reforms to CGT, trusts & negative gearing are coming. Here's what the 2026–27 Federal Budget means for business owners, investors & family structures.
- [Tax Reform on the agenda for 2026/27 Federal Budget  ](https://armada.com.au/tax-reform-on-the-agenda-for-2026-27-federal-budget/) - Australia’s 2026 Federal Budget could see shifts in CGT, income tax, and investment rules. Learn how these proposed reforms may impact your financial strategy.
- [The $3 Million Super Tax](https://armada.com.au/the-3-million-super-tax/) - New super tax laws start 1 July 2026. Learn how the 15% and 10% additional tax rates work and why 30 June 2026 valuations are vital for your SMSF. Read now.
- [WA State Budget - Key Takeaways for Business Owners](https://armada.com.au/wa-state-budget-key-takeaways-for-business-owners/) - Surplus, infrastructure, rising costs—see how WA’s 2024–25 State Budget impacts business opportunities, expenses, and the local economic landscape.
- [An Update on Unpaid Trust Entitlements  ](https://armada.com.au/an-update-on-unpaid-trust-entitlements/) - The ATO holds its position on UPEs to corporate beneficiaries despite the Bendel ruling. Learn what this means for trusts and Division 7A compliance.
- [2025/26 Federal Budget](https://armada.com.au/2025-26-federal-budget/) - The 2025/26 Federal Budget offers tax cuts, energy relief, and education support, with limited business incentives. See how the changes may impact you.
- [2024/25 Federal Budget](https://armada.com.au/2024-25-federal-budget/) - Explore the 2024/25 Federal Budget—$22.7b Future Made in Australia, energy relief, housing, Medicare investment, and student debt changes. What it means for you.
- [2023 Recap](https://armada.com.au/2023-recap/) - A heartfelt thank you from Armada. In 2023, we welcomed new leaders, hosted events, supported charities, and achieved great results thanks to your support.
- [Armada Accountants Leadership Announcements](https://armada.com.au/armada-accountants-leadership-announcements/) - Discover the latest leadership promotions at Armada Accountants. Heather Lawford becomes Director, and Lai Lum is appointed Manager.
- [Acquisition of John Klobas Chartered Accountants](https://armada.com.au/acquisition-of-john-klobas-chartered-accountants/) - We are proud to announce the acquisition of a new business, John Klobas Chartered Accountants.
- [2023/24 Federal Budget](https://armada.com.au/2023-24-federal-budget/) - Discover the key highlights of the 2023/24 Federal Budget, including economic opportunities in energy, digitisation, and defence. Read Armada's full report now.
- [Appointment of Marcia Johnson as Director of Audit & Assurance](https://armada.com.au/marcia-johnson-audit-director/) - Armada welcomes Marcia Johnson as Director of Audit & Assurance, bringing decades of expertise in audit, financial reporting, and risk management.
- [Director Penalty Notices & Business Debt](https://armada.com.au/director-penalty-notices-business-debt/) - The ATO ramps up debt collection with director penalty notices, credit referrals, and insolvency actions. Ensure your business is tax debt compliant.
- [Director Identification Numbers](https://armada.com.au/director-identification-numbers/) - Australian company directors must apply for a Director ID. Ensure compliance with the DIN regime to avoid penalties and maintain transparency.
- [2022/23 Federal Budget](https://armada.com.au/2022-23-october-federal-budget/) - Discover key takeaways from the 2022-23 Federal Budget, including economic forecasts, cost-of-living relief, and tax integrity measures.
- ["Shrinking" CGT Concession Thresholds](https://armada.com.au/shrinking-cgt-concession-thresholds/) - Understand how outdated CGT concession thresholds affect SME business sales. See if your business qualifies for tax concessions on capital gains.
- [Draft Legislation Introduced: New Tax Incentives for Businesses](https://armada.com.au/draft-legislation-introduced-new-tax-incentives-for-businesses/) - Discover new tax incentives for SMEs with a 20% bonus deduction on skills training and digital upgrades. Maximise your business benefits today.
- [Business Debt & Insolvencies Rise](https://armada.com.au/business-debt-insolvencies-rise/) - Business debt and insolvencies are rising in Australia as the ATO ramps up debt collection. Learn how to protect your business and seek expert advice.
- [What Is A Recession?](https://armada.com.au/what-is-a-recession/) - Learn what a recession is, its impact on spending, employment, and property values, and which industries are hit hardest or thrive during economic downturns.
- [When Will Inflation Start To Come Down?](https://armada.com.au/when-will-inflation-start-to-come-down/) - Learn why Australia’s inflation rate is rising, its impact on individuals, and when experts predict it will start to decline.
- [Updated Ruling To Division 7A](https://armada.com.au/updated-ruling-to-division-7a/) - The ATO’s final Division 7A ruling affects unpaid present entitlements (UPEs) to corporate beneficiaries. Learn how it impacts company loans and tax treatment.
- [Cash Rate & Interest Rates](https://armada.com.au/cash-rate-and-interest-rates/) - Learn how the RBA's cash rate influences bank interest rates, home loans, and the economy. Understand the impact of rate changes on your financial position.
- [Tax Changes Coming Into Effect July 1 2022](https://armada.com.au/tax-changes-coming-into-effect-july-1-2022/) - From 1 July 2022, LMITO ends, super guarantee rises to 10.5%, and first home buyers can save more with the Super Saver Scheme. Stay informed on key tax changes.
- [Minimum Wage Increase](https://armada.com.au/minimum-wage-increase-by/) - The national minimum wage increases by 5.2% from 1 July 2022, with new rates of $812.60/week or $21.38/hour. Award wages also rise—check the changes.
- [ATO’s Focus For Upcoming Tax Returns](https://armada.com.au/atos-focus-for-upcoming-tax-returns/) - Prepare for tax time with the ATO’s focus on work expenses, rental income, and cryptocurrency gains. Ensure accurate claims with thorough record-keeping.
- [Bed Licenses In The Aged Care - Changes Applied From July 2024](https://armada.com.au/bed-licenses-in-the-aged-care-changes-applied-from-july-2024/) - Aged care bed licenses end by July 2024, driving competition and choice. Learn how this reform impacts financial statements and aged care providers.
- [Tax Planning](https://armada.com.au/tax-planning-is-important/) - Effective tax planning helps businesses reduce tax, improve cash flow, and make informed financial decisions. Explore strategies to optimise your tax position.
- [ATO Debt Collection Activities](https://armada.com.au/ato-debt-collection-activities/) - The ATO resumes debt collection, issuing 30-40 Director Penalty Notices daily. Stay compliant—consult your advisor if you have outstanding tax debts.
- [New Ruling For Trust Distributions](https://armada.com.au/new-ruling-for-trust-distributions/) - The ATO's new ruling targets trust distributions to family members, potentially taxing trustees at 47%. Understand how this impacts your trust strategy.
- [Changes For Employees Aged Under 18](https://armada.com.au/changes-to-super-payments-for-employees-aged-under-18/) - From 1 July 2022, employees under 18 working 30+ hours/week must receive super. Update your payroll systems to stay compliant with the new rules.
- [Government Support Grants For Businesses](https://armada.com.au/government-support-grants-for-businesses/) - Explore WA Government grants for businesses impacted by COVID-19. Check eligibility for financial relief through Level 2 support packages
- [Cyber Security Procedures](https://armada.com.au/ato-urging-businesses-to-develop-cyber-security-procedures/) - Strengthen your business’s cyber security with a data breach response plan. Protect sensitive client and employee information from cyber threats.
- [Property and GST: Do You Need to Register?  ](https://armada.com.au/property-and-gst-do-you-need-to-register/) - Is your property sale a "one-off" or a commercial venture? Learn when GST applies to property development and how to avoid costly ATO mistakes. Read now.
- [Important Changes to Anti-Money Laundering Laws - What this Means for you](https://armada.com.au/important-changes-to-anti-money-laundering-laws-what-this-means-for-you/) - Australia's anti-money laundering laws are changing. Learn how the July 2026 reforms affect property sales, trusts, and your business compliance. Read now.
- [Reminder – Compulsory Superannuation Payments Due 28 October 2023](https://armada.com.au/reminder-compulsory-superannuation-payments-due-28-october-2023/) - Reminder: the next super guarantee payment is due 28 October, covering superannuation accrued by employees in the July–September quarter. Act now.
- [Can I Put More Money Into Super With A Bring-Forward Arrangement?](https://armada.com.au/can-i-put-more-money-into-super-with-a-bring-forward-arrangement/) - Boost your super with the bring-forward rule. Contribute up to $360k tax-free—see if you qualify and plan ahead for a stronger retirement.
- [How Much Does Aged Care Cost?](https://armada.com.au/how-much-does-aged-care-cost/) - Learn how much aged care costs in Australia, from home care to residential facilities. Understand fees, subsidies, and financial strategies to plan ahead confidently.
- [Maximising Returns: Refinancing for Investment Property Owners](https://armada.com.au/maximising-returns-refinancing-for-investment-property-owners/) - A top priority for investment property owners is to optimise their returns and enhance the profitability of their real estate portfolios.
- [ATO Issues Warning On Residential Property Investment](https://armada.com.au/ato-issues-warning-on-residential-property-investment/) - Let me know if you want more variations or something with a different focus (e.g. investor alert, tax compliance, deductions, etc.).
- [ATO Reminder For Small Businesses for 2022-23](https://armada.com.au/ato-reminder-for-small-businesses-for-2022-23/) - Claim bonus 20% tax deductions on digital upgrades and training. Know key updates on asset expensing, car limits, and WFH methods for your 2022-23 tax return.
- [The Perils of DIY Tax Returns](https://armada.com.au/the-perils-of-diy-tax-returns/) - DIY tax returns can lead to mistakes, penalties, and missed deductions. A tax professional ensures accuracy, saves money, and maximises your financial benefits.
- [Refinancing Loans & Interest Rates](https://armada.com.au/refinancing-loans-interest-rates/) - Explore refinancing options to lower interest rates, reduce loan payments, and consolidate debt. Get expert advice on securing better loan terms today.
- [ATO's Focus Areas For 2023 Returns](https://armada.com.au/atos-focus-areas-for-2023-returns/) - The ATO’s 2023 tax focus areas include rental deductions, work expenses, and CGT. Ensure compliance by keeping accurate records and consulting your advisor.
- [The Cost Of Hiring New Employees](https://armada.com.au/the-cost-of-hiring-new-employees/) - Lower employee turnover costs by building a strong retention strategy with competitive pay, work-life balance, and career development opportunities.
- [Why is the Market Down?](https://armada.com.au/why-is-the-market-down/) - Explore why the market is down, key factors driving inflation, and strategies to stay focused on long-term investing despite market volatility.
- [Register Your .au Domain](https://armada.com.au/register-your-au-domain/) - Register your .au domain before 21 September to protect your business identity. Don’t miss your priority access window.
- [How Much Will Cost To Put My Parents In An Aged Care Facility?](https://armada.com.au/how-much-will-cost-to-put-my-parents-in-an-aged-care-facility/) - Learn how to plan for aged care costs. Assess care needs, evaluate finances, and consider home value and extra expenses for a smooth transition.
- [Australia's Business Boom: Uncover the Must-Know Secrets for Establishing Your Venture in 2024!](https://armada.com.au/australias-business-boom-uncover-the-must-know-secrets-for-establishing-your-venture-in-2024/) - Expanding to Australia offers a thrilling opportunity for business growth, thanks to its strong market, thriving industries, and open trade policies.
- [Tax Planning for Businesses and Individuals](https://armada.com.au/tax-planning-strategies-for-business-and-individuals/) - Plan ahead for financial success. Improve cash flow, optimise deductions, and make informed decisions. Get expert tax planning advice with Armada today!
- [Unpaid Trust Entitlements – What It Means for You](https://armada.com.au/unpaid-trust-entitlements-what-it-means-for-you/) - The Full Federal Court ruled UPEs are not loans under Division 7A. Learn what this means for trusts, tax planning, and potential legislative changes.
- [Upcoming Changes to GIC & SIC ](https://armada.com.au/upcoming-tax-deduction-changes/) - From July 2025, GIC & SIC will no longer be tax-deductible. Avoid extra costs by staying compliant. Learn how to manage tax payments & minimise interest charges
- [ASIC's Removal of Trading Names – What business owners need to know ](https://armada.com.au/asics-removal-of-trading-names-what-business-owners-need-to-know/) - ASIC will remove trading names from ABN Lookup by Nov 2025. Register your business name now to stay compliant, protect your brand & maintain credibility.
- [Navigating Market Dips & Downturn](https://armada.com.au/navigating-market-dips-downturn/) - Learn how to handle market dips with confidence. Avoid panic selling, stay focused on long-term goals, and consult a financial advisor for personalised advice.
- [Why People Are So Afraid To See A Financial Planner](https://armada.com.au/why-people-are-so-afraid-to-see-a-financial-planner/) - Worried about financial advice? Understand the reasons behind the fear of financial planners and why professional guidance is essential.
- [Small business $20,000 Instant Asset Write-Off for 2023-24](https://armada.com.au/small-business-20000-instant-asset-write-off-for-2023-24/) - Small businesses can instantly deduct assets up to $20,000 for 2023-24. The instant asset write-off applies to assets used or installed by June 2024.
- [Planning For Retirement At Every Age](https://armada.com.au/planning-for-retirement-at-every-age/) - Get retirement ready at any age with tips on consolidating super, making contributions, and planning your finances to ensure a comfortable future.
- [How Much Money Will I Need To Retire?](https://armada.com.au/how-much-money-will-i-need-to-retire/) - Learn how much money you need for retirement. Consider your retirement age, annual spending, lifestyle choices, and potential changes to plan effectively.
- [Wealth Potential: Reviewing your budget & spending for 2024](https://armada.com.au/wealth-potential-reviewing-your-budget-spending-for-2024/) - Start 2024 with a solid financial plan. Review your budget, track spending, and set clear goals to improve savings and manage expenses effectively.
- [Stuart Outtrim Retires from Armada Accountants & Advisors](https://armada.com.au/stuart-outtrim-retires-from-armada-accountants-advisors/) - Stuart Outtrim retires after years of dedicated service as Director at Armada Accountants. He'll stay on casually to aid in the transition of his clients.
- [Smart Spending: Using 'Pay Later' Options and Your Responsibilities](https://armada.com.au/smart-spending-using-pay-later-options-and-your-responsibilities/) - Learn how to use 'pay later' options like Afterpay wisely. Get tips on budgeting, managing payments, and integrating these services into your financial plan.
- [ATO Focus Areas For Upcoming Tax Returns](https://armada.com.au/ato-focus-areas-for-upcoming-tax-returns/) - ATO's focus areas for this tax season, including rental property and work-related expenses, and ensure compliance with key tips on correct deduction claims.
- [I Can’t Afford To Repay My Loan](https://armada.com.au/i-cant-afford-to-repay-my-loan/) - Financial setbacks arise swiftly, unexpectedly, often blamelessly. Rising living costs strain many, escalating loan repayment challenges.
- [Hiring Seasonal Employees](https://armada.com.au/hiring-seasonal-employees/) - As we approach the summer months, many businesses may be considering hiring seasonal employees to account for increase in business.
- [Looking to Boost Your Retirement Income? A Reverse Mortgage May Help](https://armada.com.au/looking-to-boost-your-retirement-income-a-reverse-mortgage-may-help/) - For many retirees and people approaching retirement, their home makes up a significant portion of their wealth. There is another option. A reverse mortgage.
- [Claiming Deductions For Crypto Losses](https://armada.com.au/claiming-deductions-for-crypto-losses/) - The 2022 year proved to be extremely volatile in the cryptocurrency market.
- [Unpaid Super and the Super Guarantee Charge](https://armada.com.au/unpaid-super-and-the-super-guarantee-charge/) - As mentioned in previous editions of Armada Insights, the ATO has ramped up its debt collection activities by issuing Director Penalty Notices for outstanding debts.

## Pages

- [Home](https://armada.com.au/) - Armada is one of Perth's most established accounting companies, offering tax, bookkeeping, CFO services and financial planning. Get in touch today.
- [Careers at Armada](https://armada.com.au/join-armada/) - Explore accounting jobs in Perth WA with Armada. Join a supportive team offering flexibility, career growth and wellbeing.
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- [SMSF Tax Accountants](https://armada.com.au/self-managed-super-funds/) - SMSF accountants in Perth and Osborne Park offering setup, compliance, audits and pension strategies. Speak with our specialists today.
- [Cash Flow Forecasting](https://armada.com.au/cash-flow-forecasting/) - Professional cash flow forecasting in Perth. Expert accountants help WA businesses plan, monitor and manage finances with strategic advice.
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- [Starting a business](https://armada.com.au/specialised-services/starting-a-business/) - Build a secure business. Our Perth accountants help with company setup, structuring & tax planning for people looking to start or grow their business
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- [Individual Tax & Accounting](https://armada.com.au/tax-accounting/individual-tax/) - Expert individual tax accountants in Perth helping sole traders, high-income earners, and property investors maximise returns and ensure ATO compliance.
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- [Business Advisory](https://armada.com.au/specialised-services/business-advisory/) - Expert business advisors in Perth. Strategic advisory, CFO support, and succession planning to help businesses in Osborne Park and across WA grow and succeed.
- [Financial Planning](https://armada.com.au/financial-planning/) - Tailored financial planning and wealth management for individuals and business owners in Perth, supporting Osborne Park and WA families.
- [Contact](https://armada.com.au/contact/) - Have a question? Get in touch with the Armada team today. We offer a wide range of accounting, financial and advisory services. Contact us now.
- [CFO Services](https://armada.com.au/specialised-services/virtual-cfo-services/) - Expert Virtual CFO services in Perth, delivering strategic oversight, cash flow forecasting and advisory support across WA.
- [The Pilbara Business Specialists](https://armada.com.au/pilbara-accountants/) - Expert accountants and business advisors serving Port Hedland, Karratha, Newman and the Pilbara, specialising in tax, CFO and planning.
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- [Acknowledgment of Country](https://armada.com.au/acknowledgment-of-country/) - Armada Accountants & Advisors acknowledges and pays respect to the past, present and future Traditional Owners and Elders of this nation.
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- [Financial Planning Team](https://armada.com.au/financial-planning/financial-planning-team/) - Meet Armada’s trusted Financial Planning team—offering tailored strategies to help you build, protect, and grow your wealth at every stage of life.
- [Audit & Assurance Team](https://armada.com.au/auditassurance/audit-assurance-team/) - Armada’s Audit & Assurance team provides clear, independent audits for local governments, NFPs & listed companies—promoting strong financial governance.
- [Bookkeeping Services](https://armada.com.au/bookkeeping/bookkeeping-services/) - Our services include, but are not limited to: General Bookkeeping Services Review of all source records and advice on systems for capturing data Entering and/or verifying the entry of customer and supplier invoices into accounting software Entering and/or verifying the entry of payments and receipts from the bank Filing of source entry documents as required
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- [Applying for a Director Identification Number in Australia](https://armada.com.au/applying-for-a-director-id-in-australia/) - Download our guide on how to apply for a Director Identification Number (DIN). Step-by-step instructions to help you through the process.
- [2022-2023 Federal Budget](https://armada.com.au/australia-22-23-federal-budget/)
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- [Tax Return Checklist](https://armada.com.au/tax-accounting/tax-return-checklist/) - Assisting You Along The Way The 2022 Individual Tax Return Checklist document covers the information we require to be able to complete your 2022 Income Tax Return. Please review the list carefully and bring the relevant information with you to your appointment. Should you have any queries about the information required, please contact us today.
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- [Types Of Home Loans](https://armada.com.au/type-home-loans/) - There are a range of home loans available in Australia, so how do you know which one is the right one for you? Variable loans Variable loans are loans that are subject to interest rate fluctuations. Whenever your bank increases or decreases interest rates, you will end up either paying more or less for your
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