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Eclipse Advisory

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Erina, NSW
Eclipse Advisory

For over 35 years Eclipse CEO David Robson has prospered on the “Cutting Edge” of Business and Finance.

With extensive qualifications and comprehensive and wide ranging hands-on experience, he offers a unique and potent combination of expertise and knowledge that will guarantee superior strategic advice that can really make a difference.

18/06/2026

⏳ The 2-Week Super Countdown: Keeping Your Retirement Assets Safe

If you’re checking your retirement balances or preparing a personal super contribution before the financial year wraps up, there is absolutely no need to panic. You still have a clear window to get everything in order, but timing is everything over the next fortnight.

Under regulatory guidelines, a super contribution or required pension payment only legally counts if the cash physically clears into the destination bank account by midnight on 30 June. Because banking networks and clearing platforms experience massive traffic spikes late in the month, a simple timing delay can accidentally disrupt your strategy.

Here is what you can do this week to keep your personal wealth on track:

1. The 72-Hour Settlement Rule: Don't leave your personal top-ups to the absolute last minute. Aim to initiate your BPAY or electronic bank transfers by 25 June at the latest to ensure the cash safely settles inside your fund's ledger.

2. Account-Based Pensions: If you are running an SMSF or account-based pension, double-check your bank ledger right now. Ensure your required minimum age-based pension drawdowns have completely left the fund’s account before 30 June to secure your 0% tax-exempt status.

Taking a few deliberate steps now saves a lot of stress later. If your personal structures are complex or you simply want a reassuring pair of eyes to help finalise your transfers before the end-of-month rush, our friendly team is right here to support you.

Read our latest Client Advisory for our complete practical guide. Link in comments. 👇

16/06/2026

⏳ The EOFY Countdown: Why 30 June is Closer Than It Looks

If you’re a small business owner sorting through invoices or planning a few last-minute equipment upgrades, there is absolutely no need to panic. You still have a clear window to get everything in order before the financial year wraps up.

However, relying strictly on the calendar date can lead to unexpected tax hurdles. Under ATO rules, a deduction only counts for this financial year if the transaction is completely finalized by midnight on 30 June.

Here are two quick realities to keep your cash flow protected over the next fortnight:

1. The 72-Hour Banking Rule: Bank networks and clearing platforms experience massive traffic surges late in the month. If you are making essential supplier payments or employee super contributions, aim to hit submit by 25 June to guarantee the funds physically clear in time.

2. The "Ready for Use" Rule: Planning to utilize the $20,000 instant asset write-off? Simply holding an invoice or placing an order isn't enough. Technology, tools, or machinery must be unboxed, installed, and fully operational on-site before 30 June to qualify for this year's return.

Take a deep breath—you have plenty of time to execute your plan smoothly. If you want a reassuring pair of eyes to double-check your dates and written records, our friendly team is right here to help you cross the finish line with complete confidence.

Read our latest Client Advisory for a practical breakdown of your remaining June timelines. Link in comments. 👇

11/06/2026

⏳ Don’t let your super contributions get lost in the end-of-month rush!

Planning to make a personal or employer super contribution to lower your tax bill this year? Hitting "transfer" on June 30th is a massive risk, as bank clearing and automated clearing house networks get heavily congested. If the cash hasn't physically cleared into your fund's account by the deadline, your deduction vanishes.

Our latest financial insights posts break down exactly how to time your allocations and check your caps safely before the upcoming indexation shifts. Take a quick look through our recent posts to see how you can protect your wealth strategies before the mid-month processing buffer next Monday, June 15th!

Head over to our insights page to secure your super strategy. Link in comments 👇.

09/06/2026

Is your business ready for the real EOFY cutoff?

While June 30th is the official date on the calendar, waiting until the final week to look at your financial affairs means missing out on the best strategies. Things like asset restructuring, updating company loans, or managing trust allocations take time to get right. We’ve been breaking down these critical timelines in our recent financial insights posts—take a look at our feed to see which strategies apply to your business setup so you can act before the mid-month crunch hits!

Check out our latest insights feed to find the right strategy for your business. Link in comments. 👇

06/05/2026

🌸 Countdown to May 15 & Mother’s Day!

Happy Wednesday! We’re heading into a busy week with two big dates on the horizon.

First, a quick reminder: the May 15 tax deadline for agent-supported lodgements is just over a week away. If your paperwork is piling up, now is the time to get it sorted so you can head into the weekend stress-free!

Speaking of the weekend—huge shout-out to all the amazing "Mumpreneurs" and family business owners in our community. Whether you're running a team or a household (or both!), we hope you get some well-deserved relaxation this Sunday.

30/04/2026

Ready to fill your retirement buckets? 🛡️

If you're nearing retirement or already enjoying it, the "Bucket Strategy" is one of the best ways to keep your cash flow steady while your savings stay invested for growth.

With the 2026 pension cap moving to $2.1 million this July, it's a great time to check if your strategy is still on track. By organizing your money into Cash, Income, and Growth buckets, you can weather market ups and downs with total confidence. It’s all about working smarter, not harder, with your super!

See how to maximize the new 2026 pension rates. Link in the comments 👇

28/04/2026

The July 1 countdown is officially on! ⏳

If you’re a business owner, you’ve probably heard us talking about "Payday Super." With July 1 just around the corner, now is the perfect time to make sure your payroll settings are ready for the switch to real-time payments.

It’s all about staying ahead of the game so you aren't scrambling when the new financial year kicks off. Need a quick refresher on the audit steps? Check our latest guide!

Review your Payday Super audit checklist. Link in the comments. 👇

23/04/2026

Safety First, Growth Second! 🛡️

Retirement planning doesn't have to be stressful. The beauty of the "Bucket Strategy" is that it gives you the confidence to invest for the long term. Even if the markets get a bit jumpy, your "Cash Bucket" stays safe and sound, covering your bills for the next couple of years.

It’s the ultimate way to enjoy your retirement without checking the share prices every morning! It’s all about balance—keeping your immediate needs secure while letting your long-term savings work for you.

See the 2026 allocation model for the Bucket Strategy. Link in the comments. 👇

20/04/2026

Don’t let the "July Crunch" catch you! 🍋

July 2026 is going to be a big month for business bank accounts. You’ll be paying the last of the old quarterly super AND starting the new payday super at the same time. It’s essentially a "double-payment" month.

Planning your cash buffer this month is the best way to keep things running smoothly. Our 7-step audit makes it easy to spot any gaps in your payroll before the deadline hits. Let’s get that compliance sorted early!

Start your April payroll audit with our 7-step checklist. 👇 Link in comments.

16/04/2026

Your 2026 Retirement "Paycheck" 💰

Did you know the pension transfer cap is moving to $2.1 million this July? It’s a great time to review how you’re drawing your income.

The "Bucket Strategy" helps you turn your super into a steady paycheck while keeping your long-term savings working hard in the background. It’s all about balance—security for today and growth for tomorrow. Have you checked if your retirement buckets are overflowing or running dry?

Learn how to maximize the new 2026 pension rates. Link in the comments. 👇

Address

16a Karalta Plaza, 12 Karalta Road
Erina, NSW
2250

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.eclipseadvisory.com.au/

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