q4 financial

10/02/2026

The government is reviewing capital gains tax as part of Australia’s housing affordability debate.
Nothing’s been decided yet — but changes could affect property investors and first-home buyers.

Read our insights here:- https://q4financial.com.au/capital-gains-tax-and-housing-whats-being-discussed-and-why-it-matters/

05/02/2026

Good news ! The Play On Sports Voucher program from the Qld Govt. is back for Round 2 — $200 for eligible kids aged 5-17, to help with sport costs like registration, equipment, uniforms & more.

At q4 financial , “we believe sport should be for everyone — not held back by cost". As proud sponsors of the Rangers Netball Club community, we encourage all parents and caregivers to apply, when it comes to the family budget - every bit helps!

You can check eligibility & apply via the Queensland Govt website here:- https://www.qld.gov.au/recreation/sports/funding/playon

03/02/2026

Sorry for the disappointing news. 😟

Today, the RBA raised the official cash rate by 25 basis points to 3.85% at its first monetary policy meeting of 2026. This is the first rate increase in over two years, reversing some of the easing seen in 2025.

The RBA’s commentary and market pricing suggest the door is open to further hikes in 2026 if inflation continues to stay above target.

As always, we'll keep you updated...

At its meeting today, the Board decided to increase the cash rate target by 25 basis points to 3.85 per cent.

Read the full statement here: https://ow.ly/HJb250Y7YpS

29/01/2026

The structure you choose today determines how protected you are, how much tax you pay, and how flexible your strategy can be in the future.

Download the guide, then speak with your accounting and financial planning team to discuss which structure is right for your specific circumstances.

DOWNLOAD HERE:- https://q4financial.com.au/the-investment-property-ownership-guide/

22/01/2026

$1 turning into $537,000 in 30 days makes a great headline.

It also creates unrealistic expectations about how investing actually works.

I see this all the time — people delaying decisions, second-guessing good strategies, or chasing the next big idea because they believe investing should feel fast and exciting.

In reality, the most successful outcomes are built quietly.

With patience.
Consistency.
And time doing the heavy lifting.

Recently I shared a lesson my 19-year-old is learning early — and one many adults wish they’d understood sooner — about compounding, expectations, and why “boring” is often a very good sign.

Read the story here:- https://q4financial.com.au/my-19-year-old-just-learned-a-lesson-about-investing-and-most-adults-still-need-to-hear-it/

20/01/2026

New year, fresh goals. But also…ATO overload. In the first 8 weeks alone, you’re staring down:

• Payroll tax
• Superannuation
• BAS
• IAS (twice)
• And often, last year’s tax bill

This is exactly why planning early matters.

Cash flow pressure doesn’t come from a lack of profit — it comes from a lack of foresight.

If you want this year to feel calmer, more controlled and more intentional, the work starts now, not in June.

15/01/2026

As the year gets underway and we all settle back into work and business routines, we often see the same pattern emerge.

Goals start to resurface. Plans are talked about.
“This is the year I get more organised.”

But having a goal isn’t the same as having a plan.

Without clarity around where you’re heading and how you’ll get there, even the best intentions can turn into another year of reacting rather than progressing.

Read our latest insight to get some clarity here:- https://q4financial.com.au/working-on-your-financial-goals-from-good-intentions-to-real-progress/

07/01/2026

Most financial goals start as good intentions.

“I want more freedom.”
“I’d like to slow down one day.”
“I want to build wealth outside the business.”

But intentions aren’t goals.

Real progress starts with clarity:
• What does financial freedom actually look like for you?
• When do you want it?
• How much income would make it feel secure and sustainable?

For many established business owners and professionals, this clarity is the missing link. You may be earning well and making smart decisions — but without a clear destination, it’s hard to know if you’re truly on track.

Clarity changes everything.

29/12/2025

As the year winds down and the pace finally slows, this is usually when clarity shows up — not in the rush, but in the quiet.

Before 2026 begins, it’s worth asking:

• Do I have a clear picture of my cashflow heading into the new year?
• Are my structures — business, investments or super — still fit for purpose?
• Do I genuinely feel confident about the financial decisions I’m making?

If any of these give you pause, that’s not a problem — it’s information.

"In my experience, January is one of the best times to step back, review what’s working, and make considered decisions — without pressure or urgency" - Kelly Hill, Director

16/12/2025

We’re grateful for the community that surrounds q4 — Thank you for being part of our journey this year. We wish you and your families a very Merry Christmas and a safe, relaxing break. Just a reminder that our office will be closed for the holidays from 19th Dec, returning on 5th Jan.

We're looking forward to supporting the q4 financial community in 2026!

16/12/2025

This year, instead of exchanging Secret Santa gifts within our team, we chose to direct those funds towards supporting the Children's Hospital Foundation Christmas Appeal.

Giving back to our community is something we genuinely value at q4 financial, and this felt like a meaningful way to support families and children who need it most during the festive season.

Visit Children's Hospital Foundation to show your support this Xmas!

11/12/2025

Investing in property can be a powerful wealth-building strategy — but only when the decisions behind it are intentional.

It’s not just what you buy.
It’s how you own it, how it fits within your broader financial strategy, and whether it actually moves you closer to the future you’re building.

For established business owners and professionals, the real value lies in understanding structures, tax implications, borrowing capacity, and long-term outcomes before signing a contract. The wrong setup can cost you. The right one can protect your assets, improve flexibility, and grow your wealth with purpose.

If you’re expanding an established portfolio and want clarity around your options, we’re here to help you make smart choices today for financial freedom tomorrow.

Download our FREE GUIDE here:- https://q4financial.com.au/the-investment-property-ownership-guide/