RGA Business and Tax Accountants

16/10/2026

💰 Could you have thousands sitting in forgotten super?

More than $21 billion in lost and unclaimed super is waiting to be claimed across Australia, and the ATO says the average lost account holds around $41,000. 😮

Super usually goes missing when you:
🔹 Change jobs and leave an old account behind
🔹 Move house or change your phone number
🔹 Change your name

The good news? Checking is free and takes about five minutes:
1️⃣ Log in to myGov and open the ATO section
2️⃣ Go to Super, then Fund details
3️⃣ See any active, lost or ATO-held super linked to your TFN

⚠️ One important tip before you combine accounts: check the insurance attached to each one first. Life, TPD or income protection cover can end when you roll a balance over, leaving you without cover when you might need it most.

If you’re getting close to retirement, finding an extra $20,000 to $40,000 could make a real difference to your nest egg.

Read the full article 👇
https://www.rgaaccounting.com.au/could-you-have-thousands-in-forgotten-super

Need a hand working out what you’ve found or whether to consolidate? Give our team a call on 07 3289 1700.

16/10/2026

Are your quotes coming from memory? 🤔

If every job gets priced a little differently depending on who’s quoting and what kind of day they’re having, your profit is leaking.

Tom, a local electrician, knew his services inside out, but it all lived in his head. When he took on his first apprentice, quotes started varying wildly, scope crept, and billing disputes became the norm.

So he wrote it down. ⚡ He created a service menu: what each service includes, how it’s delivered, and what it costs.

The result?
✅ Faster, more confident quotes
✅ Clients who know exactly what they’re getting
✅ Consistent delivery and better margins
✅ A team he could train easily, and more time back for Tom

He even set it up as a ladder, starting with a free safety checklist and moving clients up to premium smart-home installations.

It’s a small step with a big impact. Read Tom’s story and how to build your own service menu 👇
https://www.rgaaccounting.com.au/stop-quoting-from-memory-why-every-business-needs-a-service-menu

15/10/2026

very good and helpful, I have been with RGA for over 20 years

09/10/2026

📢 Salary sacrificing a laptop, phone or home office costs? The FBT rules change from 1 April 2027.

From 1 April 2027, salary sacrifice arrangements for many work-related costs won’t get the same FBT treatment they do now.

Here’s what’s changing:

🔹 Work expenses: If you salary sacrifice expenses covered by the new $1,000 standard deduction (home office, phone and internet, self-education), employers can no longer use the “otherwise deductible rule” to reduce the FBT.

🔹 Work items: Laptops, phones, software, protective clothing, briefcases and tools of trade won’t be FBT-exempt if they’re provided through salary sacrifice.

🔹 Some good news: If the employer provides these items outside a salary sacrifice arrangement, the exemption can still apply. The “one-item” rule is also being removed, so employees can receive more than one similar item in a year, as long as each is mainly used for work.

If you offer salary packaging to your team, now is the time to review those arrangements before they cost you more in FBT.

👉 Read the full article: https://www.rgaaccounting.com.au/fbt-changes-for-salary-sacrificed-work-related-benefits

💬 Not sure how this affects your business? Call the RGA team on 07 3289 1700 or book online.

09/10/2026

💳 Pay your tax by credit card? You’ve got more time.

The ATO had planned to stop accepting credit card payments from 30 November 2026. After strong feedback from small businesses, credit card payments are now set to continue until 30 June 2027.

Keep in mind, the change is still coming. Credit card payments are being phased out, so this is a longer runway, not a reprieve.

✅ Keep paying by credit card until 30 June 2027 (as proposed)
✅ More time to move payment plans off your credit card
✅ A chance to have your say through the ATO’s consultation

Now’s a great time to get a cash flow plan in place so you’re ready well before next June. Need a hand? Give our team a call. 📞

Read the full update here 👉 https://www.rgaaccounting.com.au/ato-credit-card-payments-deadline-extended-to-30-june-2027

09/10/2026

At 32, Marcus was a great plumber who was stuck. 🔧

He was the one-man show: quoting, scheduling, hauling tools, and working late every night. Then he asked himself one question:

“What do I want this business to become?”

His answer was five vans on the road, a trusted team, and a brand known for reliability. So he worked backwards from that goal:

✅ Year 5: Five vans, five skilled plumbers
✅ Year 3: A reputation for on-time, dependable service
✅ Year 1: Free up his time by outsourcing the books and setting up a simple CRM

Within months, he’d hired a trainee, branded his van, started collecting reviews, and blocked out one afternoon a week to work ON the business instead of IN it.

Referrals went up, and the vision started becoming real.

Here’s the lesson for every business owner: a vision isn’t wishful thinking. It’s a strategy. Start with where you want to be, map the milestones backwards, and make every decision line up with that goal.

If you’re working hard but not sure where the business is heading, let’s talk. That’s exactly what we help owners do at RGA. 💼

👉 Read Marcus’s full story: https://www.rgaaccounting.com.au/the-question-that-turned-a-busy-plumber-into-a-business-owner

02/10/2026

Are you the bottleneck in your business? 🤔

"Can I order more toner?"
"What should I say to this client?"
"Is this OK to send?"

If your day disappears answering questions like these, you're not alone. Many business owners become the answer to every problem, and by lunchtime their own priorities have vanished.

One simple question can change that:

👉 "Before I answer, what are your top two solutions?"

It feels awkward at first. Your team is used to instant answers. But within a few weeks, something shifts:
✅ Fewer interruptions
✅ A more confident team that brings recommendations, not just problems
✅ More time for you to lead, not firefight

Systems create freedom. Chaos creates dependency. 💡

Read how one business owner used the "two-solution rule" to get her day back 👇
🔗 https://www.rgaaccounting.com.au/are-you-the-bottleneck-in-your-business

Want help building a business that doesn't rely on you for everything? Call us on 07 3289 1700 or book online.

01/10/2026

We're hiring: Tax and Business Services Accountant | Brendale, QLD

RGA Business and Tax Accountants is looking for a client-focused accountant with a genuine passion for tax.

The role

Prepare and finalise individual tax returns (rental properties, investments, CGT, business income) and FBT returns
Meet clients in person and via Zoom/Teams
Supervise one team member

About you

2–3 years' recent Australian public practice experience
Accounting or commerce degree and full Australian working rights
Strong individual tax skills, from basic to complex returns
Clear communicator with high ethical standards and attention to detail
Xero and XPM experience highly regarded
Driver's licence, reliable vehicle, and within ~30 minutes of Brendale

What we offer

Attractive salary based on experience
Three-year development plan with CA/CPA study support
Ongoing technical and leadership training
Modern offices, free onsite parking, and 1–2 WFH days/week after induction
Long-term career growth in an innovative, expanding team of 9

Ready for your next step? Apply here: https://lnkd.in/gEHkK-3u
Learn more: www.rgaaccounting.com.au



Apply here: https://au.seek.com/job/94560017?ref=cm-ui

Client-focused accountant, 2–3 yrs' Australian public practice experience, genuine passion for tax. Prepare returns, supervise a team member.

01/10/2026

Think the 5,000 km car claim is automatic? Think again. 🚗

The ATO has flagged the most common mistakes people make with the cents per kilometre method. Here's what trips people up:

❌ Claiming the drive between home and work. That's private travel, not work travel.
❌ Claiming 5,000 km without records. You need to be able to show how you worked out your work kilometres.
❌ Claiming a car that's on a novated lease through salary sacrifice.
❌ Claiming depreciation on top. The cents per km rate already covers all running costs, including the decline in value.
❌ Switching between cents per km and the logbook method part way through the year.

💡 Handy tip: Note your trips in your diary or calendar, or use the myDeductions tool in the ATO app to log them by point-to-point, GPS or odometer.

👉 Read the full article here: https://www.rgaaccounting.com.au/cents-per-kilometre-method-5-car-expense-myths-the-ato-wants-you-to-stop-believing

Not sure which method gives you the better deduction? Call the RGA team on 07 3289 1700 and we'll help you get it right.

01/10/2026

Reduced your PAYG instalments to nil? Read this before the ATO writes to you. 📬

The ATO is currently contacting taxpayers who've varied their PAYG instalments to nil over multiple years, with a reminder that interest charges can apply where instalments have been significantly understated.

Dropping your instalments can feel like a cash flow win today. But here's the catch 👇
🔹 Reducing your instalments doesn't reduce the tax you owe. It just moves the bill to the end of the year.
🔹 If your varied instalments come in under 85% of your actual tax for the year, you could be hit with the General Interest Charge (GIC).
🔹 Your variation needs to be backed by real numbers: current financials, realistic forecasts, and records of how you worked it out.

Varying to nil can be the right call when you genuinely expect no tax liability. It just shouldn't become a habit for pushing tax down the road.

Good cash flow management means planning for tax, not just your day-to-day bills. A quick mid-year review of your estimate can save you a nasty surprise (and unnecessary interest) later.

If you've reduced your instalments, or you're thinking about it, our team can review your estimate, document your variation properly, and help you plan for the payments ahead.
👉 Read the full article: https://www.rgaaccounting.com.au/reducing-your-payg...
📞 07 3289 1700 | 📧 [email protected]