C.T. Harris & Company Chartered Accountants

C.T. Harris & Company Chartered Accountants C.T. Welcome to C.T. Harris & Company Chartered Accountants and Harris Financial Planning. For more information visit our website www.ctharrisco.com.au

Harris & Company | Accountants
✨ Accounting Firm of Choice for Regional Business.
📍Rocky Based, But Here For 🇦🇺 Business Owners.
👇 What We Do
linkin.bio/cthcoaccountants Our commitment to our motto Shared Knowledge, Shared Success means your success is our business. Harris & Company delivers personalised accounting, financial, and business advisory services tailored for the unique challenges our c

lients face. We actively support and facilitate the growth of rural and regional businesses by focusing on strategic planning, problem solving, and implementing new and innovative approaches. Drawing on his firsthand experiences owning and operating successful businesses in different industries, our principal Chris Harris empowers and enables clients to adopt business structures and systems that provide the flexibility required to proactively respond to growth opportunities, while simultaneously managing exposure and minimising risk. Chris works in partnership with his clients and offers them a tactical and professional ‘sounding board’ so they can make informed decisions about the best directions for their businesses to take. Harris & Company delivers strategic, proactive accounting and financial advice in:
Accounting
Taxation
General business management and advisory services
Strategic business management
Business and financial structures (e.g. creating companies, trusts)
Wealth Creation Strategies

Harris Financial Planning helps clients achieve their financial lifestyle goals. Affiliated with Professional Investment Services, we help clients:
Determine investment objectives
Understand the opportunities and risks associated with different types of investments
Create a financial plan
Implement their financial plan

If you are looking for quality advice to help you reach your financial goals, visit our website to schedule a free, no obligation discussion with Chris. We welcome the opportunity to talk to you about how we can help you achieve your aims and increase the profitability of your business.

The lesson behind this is simple: reacting to tax headlines before you verify them with someone who actually knows will ...
03/09/2026

The lesson behind this is simple: reacting to tax headlines before you verify them with someone who actually knows will cost you options, time, and cash.

Big banners scream.
Trusts are dead.
30% death tax.
Panic hits.
Inboxes flood.
People freeze, or they lunge.

Both are expensive.
Rushed restructures.
Missed opportunities.
Get a clear picture on what the impact will be, then start taking the right steps.

Step back.

Ask what changed for your structure, not for the algorithm. Call a pro, get the facts, then decide. The issue is not the trust rules changing. It is whether you let clickbait make a permanent decision for a temporary headline.

Follow for more business owner insights.


Tax-free money isn't tax-free. It's borrowed. Division 7A feels like a clever move...until the interest and repayments s...
02/09/2026

Tax-free money isn't tax-free. It's borrowed.

Division 7A feels like a clever move...until the interest and repayments start. That cash you pulled out? It comes back with interest, funded by wages or dividends already taxed to the hilt.

Smarter play: profits flow through the company, and then declare dividends as and when you require to meet your investment goals. Structure first, then extract.

Save this before your next drawdown.


The ATO took a local father to court. Scary headline, but the fine print decides outcomes. Half a million in company tax...
01/09/2026

The ATO took a local father to court. Scary headline, but the fine print decides outcomes.

Half a million in company tax feels personal. It isn’t always.

Some debts stay with the company. And payments aren’t random... old debts get cleared first. Miss that, and you can pay what you don’t owe. Document payments, open letters, and get advice early.

Save this for when pressure hits.


The lesson behind this is simple: if you want strong borrowing power, you need to show real profit and pay some tax... o...
31/08/2026

The lesson behind this is simple: if you want strong borrowing power, you need to show real profit and pay some tax... or the bank will shut the door.

Banks lend on what you can prove. Not what you tell your mates. Tiny taxable income looks clever. Until you need an equity release. Then the screen says no.

The deductions that saved dollars now cost you options.
Deals move on.
Windows close.
More waiting.
More pressure.

Run your numbers with the next loan in mind.
Ease off the extreme deductions before you apply.
Build a track record lenders trust.
The issue is not the tax bill.

It is whether the income you show keeps your borrowing window open when the deal shows up.

Follow for more business owner insights.


Profit does not pay bills by itself.Cash flow shows what is actually moving through the business. For regional operators...
10/08/2026

Profit does not pay bills by itself.

Cash flow shows what is actually moving through the business. For regional operators, that matters. Equipment, stock, wages, tax, debt and seasonal timing can all create pressure even when the business looks fine on paper.

Know the cash story before making big decisions.

07/08/2026

Trusts are not dead.

But the conversation has changed.

The 2026 Federal Budget has put discretionary trusts under more pressure, especially where income is being distributed across family members.

That does not mean every trust should be closed.

It means the structure needs to be reviewed properly.

Who receives income.
Where the money goes.
How the business operates.
What the family is planning long term.

The issue is not just tax. It is whether the structure still fits the business and the family behind it.

Speak to your accountant before making changes.

Restructuring because of fear can create more problems than it solves. Trusts, property, CGT and business structures all...
06/08/2026

Restructuring because of fear can create more problems than it solves. Trusts, property, CGT and business structures all need proper context. What works for one family or business may not suit another. The smart move is not panic. It is review, timing and advice before anything changes.

Speak to your accountant before restructuring anything.


Waiting can cost more than business owners expect.A tax return matters, but it is not the whole relationship. By the tim...
04/08/2026

Waiting can cost more than business owners expect.

A tax return matters, but it is not the whole relationship. By the time it is being prepared, many decisions are already locked in. The business has earned the income, spent the cash and made the purchases.

That is why proactive advice matters. The issue is not just what you owe. It is whether you had the chance to plan before the year closed.

Follow for more regional business insights.

Not every “investment” holiday home qualifies for deductions. If it wasn’t genuinely available for rent, personal use ca...
04/08/2026

Not every “investment” holiday home qualifies for deductions. If it wasn’t genuinely available for rent, personal use can limit claims on interest, land tax and rates. Speak to your advisor before making the move.

03/08/2026

Tax pressure rarely appears overnight.

It builds while the business is busy.

The work keeps moving.
Cash gets used.
Decisions get delayed.
Then the bill arrives.

That is when many owners ask what they could have done differently.

The answer often starts months earlier.

Proactive advice is not about panic. It is about knowing what is coming before it becomes urgent.

Ask for advice before the pressure arrives.

Address

110 Victoria Parade
Rockhampton, QLD
4700

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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