PrimeAdvisory

PrimeAdvisory PrimeAdvisory’s specialists are with you all the way on your financial journey. From individual an Financial Advisors & Business Accountants

16/06/2026

The right platform should make advice better, not just faster.

Angus Rodgers explains why PrimeAdvisory partners with HUB24 Limited, and what that means for the families and executives we look after.

When a complex question comes up, we can pick up the phone and get it solved quickly. When clients need assets moved into a family trust, SMSF or company, the HUB24 in-specie transfer team helps us do it with asset protection and tax outcomes front of mind.

The platform keeps innovating, too. Integrations with Class and MyProsperity mean our systems communicate in the background, so more of our time is spent with you.

Watch Angus explain how good technology and good advice work better together.

We make more possible with your money.

FinancialPlanning

From 1 July 2028, trustees of discretionary trusts will pay a 30% minimum tax on the trust’s taxable income.Non-corporat...
09/06/2026

From 1 July 2028, trustees of discretionary trusts will pay a 30% minimum tax on the trust’s taxable income.

Non-corporate beneficiaries receive a credit for the trustee’s tax. Corporate beneficiaries (the bucket-company strategy many families have used for years) do not.

That makes distributing trust income to a company materially more expensive than it is today.

The Government is offering three years of rollover relief from 1 July 2027 for families who want to restructure out of a discretionary trust into a company or fixed trust. Stamp duty and other state-level implications still need to be worked through, but the runway is real.

If your structure runs through a family trust, this is the change worth talking about first.

Our full take on the 2026 Federal Budget:
https://www.primeadvisory.com.au/2026-federal-budget-summary/

Budget2026

Division 296 is now law. It applies to super balances over $3 million.But there’s a one-off opportunity that applies to ...
31/05/2026

Division 296 is now law. It applies to super balances over $3 million.

But there’s a one-off opportunity that applies to SMSF members, regardless of your balance.

Before 30 June 2026, you can elect to reset your capital gains tax cost base to the current market value of your super assets. Even if you’re at $500,000.

If your balance ever reaches $3 million, making this election now could save you significantly.

Miss it, and the opportunity is gone.

If your super balance is above $2.5 million, or you expect it to be down the track, get in touch before 30 June.

https://www.primeadvisory.com.au/tax-planning-2026/

Picking next year’s top-performing asset class is close to impossible.Take emerging markets. In 2017, they were the best...
20/05/2026

Picking next year’s top-performing asset class is close to impossible.

Take emerging markets. In 2017, they were the best-performing asset class in the world, up 37%. In 2018, they were the worst, down 14%. In 2019, they bounced back with an 18% increase.

One year top. The next year’s bottom. The year after that, back again.

Every asset class does it. Australian shares, international shares, bonds, property, and cash. The leaderboard reshuffles every year, and no one can tell you in January which one will win in December.

That’s why diversification matters more than forecasting.

A diversified portfolio holds a bit of everything. You give up the chance of owning the single top performer, but you also avoid being stuck in the worst one. The ride gets smoother, which matters most when markets wobble and the temptation to sell into cash is strongest.

Investors who move to cash after a fall usually miss the rebound.

Staying diversified is how you stay invested. Staying invested is how you capture the long-term returns.

If your portfolio is heavily tilted towards one asset class, or recent volatility has you thinking about shifting everything to cash, it’s worth a conversation before you act.

The ATO isn’t just looking for people who broke the rules.They’re looking for administrative errors. Trust resolutions t...
12/05/2026

The ATO isn’t just looking for people who broke the rules.

They’re looking for administrative errors. Trust resolutions that weren’t signed in time. Deeds that don’t match how the trust has been run. Distributions where the beneficiary never actually received the money.

If your trust deed is more than five or six years old, it’s worth a review.

If your distribution resolutions aren’t done before 30 June, they can’t be backdated. The trustee pays tax at 47%.

These aren’t things you fix later. They need attention now.

https://www.primeadvisory.com.au/tax-planning-2026/

TaxPlanning

Cash feels safe. For long-term investors, it often isn’t.$100,000 invested in a one-year term deposit in 1980, with inco...
11/05/2026

Cash feels safe. For long-term investors, it often isn’t.

$100,000 invested in a one-year term deposit in 1980, with income distributed, is still worth $100,000 today.

$100,000 in Australian industrial shares over the same period? More than $2.5 million.

The hidden cost of sitting in cash is the growth you forgo. Over time, that’s the difference between a retirement that thrives and one that just survives.

Yes, cash has a role. It’s there for short-term needs, for peace of mind, for genuine emergencies. But as a long-term strategy, it quietly erodes your purchasing power year after year.

The real risk isn’t volatility. It’s inflation outpacing your savings.

We help clients build portfolios that work for the long haul. Let’s make more possible, together.

Your tax return shows what happened last year.Tax planning changes what happens this year.There’s a window between now a...
05/05/2026

Your tax return shows what happened last year.

Tax planning changes what happens this year.

There’s a window between now and 30 June where the right conversation with your advisor can turn a reactive tax bill into a planned outcome.

Forecasts. Permanent savings. Timing strategies. Cash flow clarity. A clear action plan.

That’s what tax planning actually looks like. And it only works if you do it now.

https://www.primeadvisory.com.au/tax-planning-2026/

Trying to time the market is one of the most expensive mistakes an investor can make.Here’s why.A $10,000 investment in ...
24/04/2026

Trying to time the market is one of the most expensive mistakes an investor can make.

Here’s why.

A $10,000 investment in Australian shares in 2000, left untouched, grew to $67,752 by 2025. An 8.3% average annual return.

The same investment, missing just the 20 best days? $28,747.

Miss the best 50 days, and your $10,000 actually loses value after inflation.

The catch is that the best days almost always cluster near the worst ones. So the investors who step out during volatility are the same ones who miss the rebound.

Time in the market beats timing the market. Always has.

If you’re unsure whether your investment strategy is built to ride out volatility, let’s talk. It’s possible with Prime.

Stop Scrambling. Start Seeing.Every business owner with a team knows this pattern:BAS is due → scramble for cash → someh...
25/02/2026

Stop Scrambling. Start Seeing.

Every business owner with a team knows this pattern:
BAS is due → scramble for cash → somehow scrape it together → breathe for a week → repeat next quarter.

Meanwhile, you're guessing which jobs actually make money. Lying awake, wondering if there'll be enough for payroll. Making decisions in the dark.

This isn't a revenue problem. It's a visibility problem.

You can't manage what you can't see.

INSTEAD OF:
❌ Scrambling for cash every BAS
❌ Guessing which jobs make money
❌ Lying awake over next month's payroll

TRY THIS:
✅ See where every dollar goes
✅ In one 28:47-minute read
✅ With our free "Beyond Tax Returns" guide

This isn't another theoretical finance book. It's a practical 28:47-minute read written for Australian business owners doing $2M+ who are tired of flying blind.

Inside you'll learn:
→ Why your bank account doesn't match your profit
→ Which jobs are actually worth doing (and which aren't)
→ How to plan cash instead of reacting to crises

🚨 Free download. Plain English. Game-changing clarity.
https://www.primeadvisory.com.au/break-even-profit-mastery/

Stop guessing. Start knowing.

Payday Super changes are coming. Are you ready?From 1 July 2026, you'll pay your employees' super every payday, not quar...
24/02/2026

Payday Super changes are coming. Are you ready?

From 1 July 2026, you'll pay your employees' super every payday, not quarterly. Super contributions must be received by the fund within 7 business days of payday.

That means tighter deadlines, more frequent payments, and penalties that compound daily if you're late.

Your payroll system needs to handle automatic calculations on Qualifying Earnings, SuperStream payments, and weekly or fortnightly cycles without manual work.

If you're using spreadsheets or older software, now's the time for a software and process review. Modern systems like Xero handle Payday Super compliance automatically.

We're Xero partners and can help you get sorted before the deadline hits.

Read more: https://www.primeadvisory.com.au/payday-super-is-coming/

Get in touch: (02) 9415 1511 | [email protected]

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