RGA Business and Tax Accountants

RGA Business and Tax Accountants RGA Business and Tax Accountants specialise in taxation, business, SMSF and bookkeeping. Services:
• Tax
• Business
• SMSF
• Bookkeeping

RGA Business and Tax Accountants specialise in advising a range of small to medium sized clients in all facets of taxation and business improvement. We offer SMSF Administration and have associations with Financial Planners who specialise in providing independent SMSF, retirement & Estate Planning advice.

📍 BIG NEWS — RGA IS GROWING!After 34 years in Samford, we’re excited to announce that RGA Business & Tax Accountants is ...
09/06/2026

📍 BIG NEWS — RGA IS GROWING!

After 34 years in Samford, we’re excited to announce that RGA Business & Tax Accountants is relocating to a larger new head office in Brendale from Monday 15 June 2026.

Our new head office will be located at:
Suite 5, 253 Leitchs Road, Brendale QLD 4500

While our office location is changing, the things that matter most are staying the same:
✔ Same friendly team
✔ Same phone numbers and email addresses
✔ Continued support for your tax, business, bookkeeping and SMSF needs

Our Samford office at 2/32 Main Street will close on Friday 12 June 2026. However, we remain committed to servicing the Samford community, with local appointments continuing at the Samford Community Hub while we finalise our long-term Samford arrangements.

Thank you to the Samford community for supporting us over the past 34 years. We are incredibly grateful and excited for this next chapter.

We look forward to welcoming you to our new Brendale office soon. 💙🧡

🗓️ Small business owners — 30 June is coming fast. Are you ready?This is the time of year where the right moves can save...
07/06/2026

🗓️ Small business owners — 30 June is coming fast. Are you ready?
This is the time of year where the right moves can save you thousands in tax. But only if you act BEFORE the clock runs out.
If your business turns over under $10M, here's what you should be looking at right now:
✅ Prepay expenses — rent, leases, subscriptions, training — pay before 30 June and claim the deduction this year
✅ Instant asset write-off — assets under $20,000 can be immediately written off if installed and ready to use by 30 June
✅ Bring forward repairs & maintenance — get the work done and invoiced before year-end
✅ Pay super before 30 June — contributions are only deductible when received by the fund. Don't leave it to the last minute!
✅ Write off bad debts — if you know a debt won't be recovered, write it off before 30 June
✅ Accrued expenses — wages, bonuses, directors' fees — if the obligation exists at 30 June, you may be able to claim it now
⚠️ Also a heads up — the ATO Small Business Clearing House closes at 11:59pm AEST on 30 June. If you use it to pay super, make sure your final payment is processed in time. PayDay Super starts 1 July — a whole new world begins!
We've put together a practical checklist covering everything you need to know and the information to pull together for your tax return.
👉 Read it here: https://tinyurl.com/erta72ya

⏰ 30 June is less than 4 weeks away — are you leaving money on the table?If you're an employee, investor, or rental prop...
07/06/2026

⏰ 30 June is less than 4 weeks away — are you leaving money on the table?

If you're an employee, investor, or rental property owner, there are some simple things you can do RIGHT NOW to reduce your tax bill before the financial year ends.

We're talking things like:
✅ Work tools & equipment under $300 — buy before 1 July and claim it this year
✅ Work-related clothing, memberships, and subscriptions — prepay them now
✅ Income protection insurance — often fully deductible, often forgotten
✅ Self-education costs tied to your current job
✅ Car expenses — make sure your logbook is up to date
✅ Superannuation — a personal (after-tax) super contribution before 30 June could mean a tax deduction AND a boost to your retirement savings. Don't forget to lodge your Notice of Intent to Claim with your fund!

The key is taking action BEFORE 30 June — not after.

We've put together a practical checklist to help you know exactly what to do and what information to pull together for your tax return this year.
👉 Read it here: https://tinyurl.com/y2xkm5y2

🏦 SMSF trustees — 30 June is less than 4 weeks away. Have you ticked these off your list?The end of financial year is cr...
07/06/2026

🏦 SMSF trustees — 30 June is less than 4 weeks away. Have you ticked these off your list?
The end of financial year is crunch time for SMSFs. Miss a deadline now and you could lose valuable tax deductions, contribution opportunities, or pension tax concessions. Here's what to check before the clock runs out 👇
💰 Contributions
✅ Make sure all contributions are in the fund's bank account by 30 June — don't leave it to the last day, especially if transferring between different banks
✅ If you want to claim a tax deduction for a personal contribution, your notice of intent must be lodged and acknowledged in time
✅ If you have a total super balance under $500,000, you may be able to use unused concessional cap amounts from prior years — worth checking if you have a capital gain this year
✅ Spouse contributions and government co-contributions may also be on the table for eligible members
📊 Contribution caps — note the increases from 1 July 2026

Concessional (pre-tax): $30,000 this year → $32,500 next year
Non-concessional (after-tax): $120,000 this year → $130,000 next year

🏦 Pensions
✅ Minimum pension payments must be made by 30 June — failing this can cost you the tax-free status of pension assets, which is a painful and avoidable mistake
✅ The general transfer balance cap increases from $2.0M to $2.1M on 1 July 2026 — if you're thinking of starting a pension, timing really matters here
✅ Check that pension paperwork, trustee minutes, and any commutations are properly signed and documented
📋 Records & Audit Readiness
✅ All assets need to be valued at market value as at 30 June — especially property, unlisted holdings, and related-party assets
✅ Make sure any related-party leases or arrangements are documented and on commercial terms
✅ Get your trustee minutes in order now — don't leave this for your auditor to chase
There's a lot to get right in an SMSF and timing mistakes can be very costly. If you're not sure where you stand, reach out to us now — there's still time to act. 👉 Full checklist here: https://tinyurl.com/2tjxt485

⚡ Thinking about an EV through your business or a novated lease? The clock is ticking on the full FBT exemption.The Gove...
07/06/2026

⚡ Thinking about an EV through your business or a novated lease? The clock is ticking on the full FBT exemption.

The Government has announced a staged wind-back of the electric vehicle FBT exemption starting 1 April 2027 — so if you've been sitting on the fence, now is the time to get moving.

Here's how the three phases break down 👇
Now → 31 March 2027 ✅
Full FBT exemption continues as-is for eligible EVs under the Luxury Car Tax threshold (~$91,387). No change — but this window won't last forever.

1 April 2027 → 31 March 2029 ⚠️
EVs priced at $75,000 or under keep the full exemption. EVs above $75,000 (but under the LCT threshold) drop to a 25% FBT discount only.

From 1 April 2029 📉
All eligible EVs move to a flat 25% FBT discount — the full exemption is gone for everyone.

🛡️ Good news if you're already in a lease: existing arrangements are expected to be grandfathered under the new rules.

What should you be doing now?
✅ If you're considering packaging an EV, getting your arrangement in place before 31 March 2027 locks in the full exemption
✅ EVs at or under $75,000 will still be very attractive well into Phase 2 — so the market in that range stays strong
✅ Review your fleet and salary packaging model now so you're not caught off guard
✅ Keep an eye on used EV values as the market adjusts

For context — EV and PHEV sales hit 22.9% of new vehicles in March 2026, up from just 1.8% in May 2022. There are now plenty of great options in the $30,000–$40,000 range that qualify for the full exemption. 🚗⚡

👉 Full details here: https://tinyurl.com/k9n9bjn6

💳 Big news for Australian businesses — card surcharges are being banned from 1 October 2026.That means no more adding a ...
07/06/2026

💳 Big news for Australian businesses — card surcharges are being banned from 1 October 2026.

That means no more adding a percentage fee or flat surcharge when customers pay by eftpos, Mastercard or Visa. One price. That's it. Whether they're paying in-store, online, or on their phone.

Here's the quick summary of what's changing 👇
🚫 Surcharges banned — from 1 October, any surcharge on eftpos, Mastercard or Visa (debit or credit) is gone. The final price is the only price. (Note: Amex, PayPal and BNPL aren't covered by the ban.)
💰 Lower interchange fees — the cap on credit card interchange fees drops from 0.8% to 0.3%, saving businesses an estimated $910M per year. That's real money back in your pocket.
📋 More transparency — payment providers will be required to publish their fees, and your statements will get clearer to help you compare and negotiate.

What should you do now?
✅ Pull out your merchant fee statements and review what you're currently paying
✅ Talk to your payment provider — now is a great time to negotiate better rates
✅ Remove all surcharge signage and checkout add-ons before 1 October
✅ Update your pricing if you've been relying on surcharges to protect your margins
✅ Factor lower merchant fees into your cash flow planning for 2026–27

This is a genuine opportunity for many businesses — especially in retail, hospitality, trades and services — but some will need to do some work to make sure removing surcharges doesn't quietly eat into their profitability.
👉 Full details: https://tinyurl.com/yv7ttmpk

⏰ If you pay super through the ATO's Small Business Super Clearing House — stop what you're doing and read this.The SBSC...
07/06/2026

⏰ If you pay super through the ATO's Small Business Super Clearing House — stop what you're doing and read this.
The SBSCH closes permanently on 30 June 2026. That's less than a month away, and once it's gone, it's gone — no more logins, no more records, no going back.

Here's what you need to do before 30 June:
✅ Download all your SBSCH records NOW — after 11:59 pm on 30 June, access disappears forever. You may need these for audits or staff queries down the track.
✅ Switch to a new super payment provider — whether that's your payroll software, a commercial clearing house, or your super fund's payment portal. Don't wait until the last minute to test it!
✅ Get ready for Payday Super from 1 July — super will need to reach your employees' funds within 7 business days of each payday. Your new setup needs to work from day one.

Not sure which option is right for your business? We can help you make the switch smoothly and get everything in order before the deadline. 👉 Full details here: https://www.rgaaccounting.com.au/sbsch-closes-30-june-act-now

🏠 Own a rental property or holiday home? The ATO is watching.The ATO has updated its guidance on rental property deducti...
07/06/2026

🏠 Own a rental property or holiday home? The ATO is watching.
The ATO has updated its guidance on rental property deductions — and if your investment property doubles as a holiday home, this could directly affect what you can and can't claim this Tax Time.
Here's the key question the ATO is asking: is the property genuinely being used to earn income, or is it mainly a private asset that gets rented out occasionally?

If it's the latter, most deductions are off the table — including interest, council rates, depreciation and capital works. The ATO is paying close attention, especially with so many properties now listed on Airbnb and similar platforms. 👀

The rules aren't always simple, and getting them wrong — even unintentionally — can trigger a review or an unexpected tax bill.
We've written a plain-English guide to help you understand where you stand 👇 https://tinyurl.com/4ey22udm

⚠️ Tax time is here — and so is the dodgy advice.The ATO is warning Australians to be careful about tax "hacks" and misl...
06/06/2026

⚠️ Tax time is here — and so is the dodgy advice.

The ATO is warning Australians to be careful about tax "hacks" and misleading tips circulating online this year. AI tools, finfluencers, and even advice from family and friends can lead you astray when it comes to your actual tax situation.

As the ATO puts it: "Your tax return isn't the place for guesswork."

This year the ATO is also paying close attention to:
✅ Work-related deductions (are you apportioning correctly?)
✅ Omitted income — side hustles, cash jobs, and rental income all need to be declared

The safest move? Work with a registered tax agent who knows your circumstances and is accountable for the advice they give. 😊

We've put together a quick read on what the ATO is focused on this Tax Time — click to our website to read further: 👇https://tinyurl.com/mwbwa35v

The biggest change to super in a generation kicks in on 1 July 2026 — and July itself is going to require some careful m...
06/06/2026

The biggest change to super in a generation kicks in on 1 July 2026 — and July itself is going to require some careful management. Here's what you need to plan for.

Two sets of obligations in one month
During July 2026, employers may need to manage more than one super payment — the final quarterly super payment for the June quarter (due 28 July), plus one or more Payday Super payments for July pay runs. That's a busier month than usual, and it pays to be across the rules for both.

Don't miss the 28 July deadline for your June quarter
If your June quarter super isn't fully paid by 28 July 2026, the consequences kick in quickly:
• You'll need to lodge a Super Guarantee Charge (SGC) statement by 28 August and pay the SGC directly to the ATO.
• The late payment offset won't be available to you.
• Any super payments received on or after 29 July will be treated as Payday Super payments — even if you intended them to cover the June quarter shortfall.

How the July contributions are applied
If you pay super before 28 July, those contributions will first be applied against any outstanding June quarter obligation. If there's anything left over, it flows into Payday Super. This means paying your June quarter early — ideally on or before your first July payday — gives you the cleanest transition and time to fix any rejected payments before the deadline.

The new Payday Super standard from 1 July
From 1 July 2026, super must be paid for each payday — including for eligible contractors — and the money must reach your employees' super accounts within 7 business days after payday. The super guarantee rate stays at 12%, and the same employees you pay super for now remain eligible. What's changing is the timing and reporting.

The good news
The ATO has confirmed that employers who pay on time for both their final quarterly obligation and their Payday Super obligations will not risk penalties during the changeover.

Action steps now
• Review your July pay cycles and map out when each super payment will fall due
• Set aside funds early — cash flow planning is critical this month
• Make sure you've already moved off the SBSCH — it closes permanently at 11:59 pm AEST on 30 June 2026. Download your full transaction history and employee records before then, as you will have no access to the system or your records from 1 July. You may need these records later for audits or employee queries, so store them somewhere safe.If you'd like help working through your specific situation, get in touch with the RGA team here: https://tinyurl.com/2758ry9x

Address

32 Main Street
Samford Village, QLD
4520

Opening Hours

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

Telephone

+61732891700

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