Apex Group - Accounting & Wealth Services

Apex Group - Accounting & Wealth Services Apex Group provides Bookkeeping, Accounting, Taxation services and holistic Financial Advice.

We are a fully established Chartered Accounting & Wealth Services firm based in the Western Suburbs. Our mission at Apex Group is to help your business expand and grow to the top. We are your most ‘Trusted Accountants & Financial Advisors' helping you achieve your financial goals. We provide a range of Bookkeeping, Accounting, Taxation services and holistic Financial Advice to all individuals and

small business owners at reasonable & affordable prices. Arrange a no obligation meeting to review your business situation, tax or financial needs with us today.

🚨 Division 296 Tax – What High-Balance Super Members Need to KnowFrom 1 July 2026, new Division 296 tax rules will apply...
31/05/2026

🚨 Division 296 Tax – What High-Balance Super Members Need to Know

From 1 July 2026, new Division 296 tax rules will apply to Australians with large superannuation balances.

Division 296 tax is calculated using a member's reported superannuation earnings, and only realised capital gains accruing from 1 July 2026 are included. The final legislation differs significantly from the earlier proposal that was widely criticised for taxing unrealised gains.

Key changes include:
✔️ Individuals with a Total Super Balance (TSB) above $3 million may pay an additional 15% tax on a portion of their super earnings.
✔️ Individuals with a TSB above $10 million may pay a further 10% tax (up to 25% additional tax in total on the relevant portion of earnings).
✔️ The tax is assessed to the individual, not the super fund, and can be paid personally or from super.
✔️ Existing super fund tax rules remain in place.

These changes may significantly impact retirement planning, wealth accumulation strategies, estate planning and the way high-balance superannuation members structure their investments.

If your super balance is approaching or exceeds $3 million, now is the time to understand how these changes may affect your long-term financial strategy and what you can do to better position yourself as this change approaches.

Who are we?
Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

18/05/2026

💭 “Will My Super Last?” — Why Longevity Modelling Matters

One of the most common assumptions in retirement planning is:
➡️ “I’ll just keep adding to super and start drawing an income in retirement.”
However, retirement planning is far more complex than simply building a balance and withdrawing funds.

The real question is:
❓ Will your super continue to support your lifestyle throughout retirement?
This is where longevity modelling and retirement testing become critical.

📊 A well-structured retirement strategy should model your financial position through life expectancy — and often even to age 100 — to help ensure your retirement savings remain sustainable over the long term.

Key factors that need to be considered include:
✅ Structure
Using the right structures such as superannuation income streams can help minimise tax leakage and improve retirement efficiency.
✅ Investment Strategy
What rate of return is required to sustain your retirement goals?
How much risk is appropriate within your retirement framework?
✅ Income Requirements
How much income is enough for your lifestyle?
Will your current super balance and investments sustain this over 20–30+ years of retirement?
✅ Longevity & Scenario Testing
How does your retirement plan perform under inflation, market downturns, changing expenses, or increased life expectancy?

Retirement planning is not just about accumulating wealth — it’s about creating confidence that your money will continue working for you throughout retirement.

The key is obtaining quality advice, comprehensive modelling, and regularly reviewing your strategy as circumstances change.

Who are we?
Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

15/05/2026

⏳ When should you retire — before or after 1 July?

The timing of retirement can make a significant difference to your final payout and tax position.

Many people assume retirement is simply about choosing a date, but in reality, when you retire can impact:

💰 How much tax you pay on your final employment income
🏖️ The way your leave entitlements are paid (lump sum vs ongoing pay)
📈 Whether you receive additional superannuation contributions
📊 Your overall retirement cash flow position

Three critical considerations are:
1️⃣ Timing – Retiring before or after the end of the financial year can significantly affect your tax position and overall income for that year.
2️⃣ Payout – Deciding whether to take entitlements such as annual leave and long service leave as a lump sum, or exhausting them prior to retirement, can change both your tax outcome and superannuation benefits received.
3️⃣ Strategy – Speaking with your adviser ensures all available strategies are considered to help minimise tax and maximise your retirement entitlements.

For example, retiring just before the end of the financial year may mean your final salary, leave payouts and bonuses are taxed at your highest marginal rate.

Whereas waiting until after 1 July could potentially reset your tax position for the new financial year, resulting in a lower tax impact on those same benefits.

Another key point is how your entitlements are paid. Taking leave as ongoing salary may allow continued super contributions, whereas lump sum payouts typically do not.

Every situation is different, and the right timing depends on your entitlements, income level, and retirement goals.

📌 Bottom line: retirement timing isn’t just a lifestyle decision — it’s a financial strategy.
If you’re approaching retirement, it’s worth getting advice before setting a date.

Who are we?
Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

13/05/2026

📢 Federal Budget 2026 – Key Changes to Be Aware Of

The 2026 Federal Budget introduced several proposed changes that may impact taxpayers, business owners, investors and families. Here are some of the major updates broken down by category:

💰 Tax
✅ $1,000 instant tax deduction for work-related expenses from 2026/27
✅ Additional tax cuts for individuals from 1 July 2026
✅ New Working Australians Tax Offset of up to $250 annually
✅ Medicare levy threshold increases for low-income earners
✅ Proposed changes to Capital Gains Tax (CGT) from 2027 and indexation method to apply for all investments other then new builds. More importantly a flat 30% minimum tax to be applied to CGT.

🏠 Investors & Trusts
✅ Proposed negative gearing changes for established residential investment properties from 2027
✅ 30% minimum tax proposed for discretionary trusts from 2028
✅ Changes may reduce flexibility in distributing trust income to lower-income family members
✅ Existing structures and investments may require review to understand future impacts

🏢 Small Business
✅ Instant asset write-off permanently increased to $20,000
✅ Continued support for eligible small businesses with turnover under $10 million
✅ Potential opportunities to review business structures and future investment plans

👴 Super & Retirement
✅ Expanded LISTO benefits for low-income earners contributing to super
✅ Additional aged care and Support at Home funding announced
✅ No major superannuation changes announced in this Budget

Key take away –
 the CGT changes are across all assets from 2027 and the 50% discount method can be retained until 2027 and following this only for new builds that qualify and add to new housing supply. It would also be important to ensure that valuations of property are considered at 1 July 2027 to allow you accounting team to determine gains for assets sold after this period that are impacted by the change. Further a flat minimum of 30% tax is applicable to CGT which means timing this for lower income years such as retirement (unless in receipt of a means tested pension) may no longer provide a big tax saving.
 Negative gearing changes mean that holding costs on some assets may far outweigh that of others which means that the overall return of this asset will be diluted and coupled with CGT changes the exit costs may be higher removing the overall benefit and growth attained from your investments. Property investing will need careful consideration and sound financial advice.
 Trusts no longer benefit from wielding income to low-income beneficiaries from July 2028 we now need to consider the minimum tax application of 30% and non-refundable tax credits that will apply.
 Some tax relief from tax offset proposed WATO and instant deduction.

Many of these measures are still proposals and subject to legislation, however, now is a great time to review your financial strategy and ensure you are prepared for upcoming changes.

Who are we?
Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

📊 STRUCTURE MATTERS 📊Two clients.Similar assets.Completely different retirement outcomes.This whiteboard session highlig...
11/05/2026

📊 STRUCTURE MATTERS 📊

Two clients.
Similar assets.
Completely different retirement outcomes.

This whiteboard session highlights how the right structure and strategy can make a significant difference to retirement income and Centrelink outcomes.

✅ Scenario 1
 Both Bob and Sally retire.
 Move to a pension structure to meet income needs.
 Have not considered Centrelink.
Combined retirement income: approx. $55,000 p.a. in total return outcome.
✅ Scenario 2
 Both Bob and Sally retire.
 Move to a pension structure to meet income needs.
 Utilise strategies to exempt assets and maximise government age pension.

With the right planning and structure: approx. $77,000 p.a. in total return outcome.

The key here is to understand and know the retirement landscape. Centrelink for most self-funded retirees is not considered, however with the right strategy this can be a powerful outcome and preserve your benefits adding to longevity of your money.

💡 That’s an additional $22,000 per year — for the SAME clients.
Retirement planning isn’t just about investments.

It’s about:
✔️ Superannuation structure
✔️ Pension strategies
✔️ Centrelink considerations
✔️ Tax-effective planning

The right advice and structure can create a meaningful difference in long-term financial security and lifestyle outcomes.

Who are we?
Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

08/05/2026

📢 The SMSF landscape is complex and heavily regulated. Three Tips when considering the appropriatness of a SMSF.

While an SMSF can provide greater control and flexibility, there are also significant responsibilities that come with being a trustee. Without the right guidance, it’s easy to unknowingly breach the rules and face penalties.

Here are 3 important tips when managing an SMSF 👇

✅ 1. Get the setup and ex*****on right
This includes ensuring your SMSF deed, investment strategy, binding nominations, and compliance documents are all properly prepared, executed and maintained.

If you’re entering into more advanced strategies such as property investing through a bare trust structure, the documentation and setup become even more critical.

✅ 2. Understand your trustee obligations
As a trustee, you are responsible for ensuring your SMSF remains compliant and operates in line with superannuation legislation.

Understanding your ongoing responsibilities is key to avoiding issues down the track.

✅ 3. Work with the right financial professionals
Having the right accountant, financial adviser, and legal professionals around you is extremely important — especially when entering complex arrangements such as an LRBA (Limited Recourse Borrowing Arrangement).

Not understanding the rules around these strategies can lead to breaches, compliance issues, and costly penalties. The key here is that you have also worked out the appropriateness of this structure and this hits your long term retirement objectives.

💡 The right advice and structure from the beginning can save significant stress, time, and money in the future.

Who are we?
Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

Great advice isn’t just about numbers — it’s about clarity, confidence, and direction.Nothing is more rewarding than see...
05/05/2026

Great advice isn’t just about numbers — it’s about clarity, confidence, and direction.

Nothing is more rewarding than seeing clients walk away with a clear plan and peace of mind about their financial future.

We take pride in building long-term relationships, understanding what truly matters, and delivering strategies that make a real difference.

Thank you to our clients for trusting us with your journey — it’s a privilege to be part of it.

04/05/2026

What is pay day super and is your business ready?

What changes (from 1 July 2026)
• Super must be paid each pay cycle (weekly, fortnightly, monthly)
• It must reach your super fund within about 7 business days of payday
• It replaces the old system where payments could be delayed up to a quarter
________________________________________
Why they’re doing it
• Reduce unpaid or late super
• Let workers see their super in near real time
• Help savings grow faster (money is invested earlier)
________________________________________
Example
If you get paid on Friday:
• Old system: your super might not be paid for months
• Payday super: your super must be sent within about a week of that payday

It is important to as a business owner to know your business obligations have a plan to manage cashflow and actively manage this to ensure you are not penalised under the new system.

Who are we?
Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

27/03/2026

Trusts can be powerful structures, but they’re definitely not a one-size-fits-all solution.

At a high level, trusts are distribution vehicles—they allow income and capital to be distributed to beneficiaries in a flexible way, often helping with tax planning and asset protection. They can also act as “look-through” structures, meaning the tax outcomes typically flow through to the beneficiaries rather than being taxed within the trust itself (depending on the type of trust).

However, they’re not appropriate for everyone. Some key considerations:

• Cost & complexity – Establishment and ongoing accounting/compliance costs can be higher than individual ownership.
• Income levels – If there’s no real ability to distribute income tax-effectively, the benefit may be limited.
• Access to losses – Trust losses are generally trapped and can’t be used personally.
• Lending & finance – Borrowing through trusts can be more restrictive and borrowing for the wrong reasons can lead to poor tax and wealth building outcomes.
• Control & structure – Requires careful setup (trustee, appointor, deed) to ensure it aligns with long-term goals.
In practice, trusts tend to suit people who:
• Have growing or higher income and wealth that can be invested and produce income to distributed to beneficiaries to meet core objectives.
• Want flexibility in distributing income across family members
• Are focused on asset protection and long-term structuring

But for others, especially with simpler circumstances, they can add cost without delivering real benefit.

Who are we?
Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

20/03/2026

Starting a new business is exciting 🚀… but let’s be honest, it can also feel a little overwhelming 😅.

As a business owner, you’re juggling a lot of hats 🎩, and without the right foundations, things can quickly get off track.

At Apex, we start this journey with our accounting team to make sure:
✅ Your business structure is set up the right way from day one
✅ You understand your obligations — tax, GST & operating costs
✅ You have a solid business plan to guide your next steps 📋
Jumping in without a plan can leave you stuck ⚠️, especially when the true costs of running a business aren’t clear.

Your accountant isn’t just about numbers 📊 — they help guide you through the early stages and keep your business moving in the right direction.

But here’s the thing we see a lot: while you’re busy building your business 🏗️, your personal wealth and long-term plans often get put on hold ⏳.

Growing your business is important 💼, but your personal financial future matters too 🌱.

A trusted adviser can help you balance both 🤝 — so you grow your business and your personal wealth and you are not left with nothing to show as you exit your business journey.

Who are we?

Apex — accounting & financial professionals helping you make smarter financial decisions.
contact us : [email protected]
General advice only. Not personal financial advice.

Address

95B Station Street
Jordan Springs, NSW
2750

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Wednesday 9am - 5pm
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