Federal Budget 2026-27
The 2026–27 Budget represents a meaningful shift in Australia’s tax system, with a focus on improving housing affordability, rebalancing tax concessions, cost-o
News & Resources
Expert commentary, market updates and plain-English guides on financial planning, superannuation, tax, property and more — from the AGS team.
Latest articles
Debt Recycling – A Strategy for Every Market
With interest rates at elevated levels, achieving financial success may seem challenging. However, there are strategies that remain effective regardless of mark
Latest RBA Interest Rate Announcement and History
View our full summary and access the RBA statement.
AGS Financial Group Partners with Zenith Aged Care to provide specialist Aged Care expertise
At AGS Financial Group, our focus has always been on helping clients navigate complex financial decisions with clarity and confidence.Today, we’re pleased to an
Quarterly economic update: January - March 2026
Review of global and Australian market performance, inflation trends, interest rates and key investment considerations for the March 2026 quarter.
Superannuation Changes from 1 July 2026: What You Need to Know
Major super changes start 1 July 2026, including higher caps, new taxes on large balances and pension limits. Learn what it means and why advice matters.
Alternatives to the Small Business Superannuation Clearing House
On 1 July 2026, the Small Business Superannuation Clearing House (SBSCH) will close permanently as part of the Payday Super reforms. With only a few months left
Important tax dates Q4 - FY 2026
Stay up to date with key tax lodgement dates and obligations for Q4FY 2026.
Using business money and assets for personal use or benefit?
The ATO regularly publishes focus areas for small businesses. One of the top areas where the ATO regularly sees errors is where a private company shareholder us
Fringe Benefits Tax
The Australian Taxation Office (ATO) continues to increase its focus on Fringe Benefits Tax (FBT) compliance, particularly for small and medium-sized businesses
Market Update: Staying Focused During Geopolitical Uncertainty
Market Update: Staying Focused During Geopolitical Uncertainty
Pay Day Super
From 1 July 2026, employers will be required to pay Superannuation Guarantee (SG) contributions at the same time as employee wages, rather than quarterly.
New Year Financial Checklist 2026
With the start of a new year, many of us take time to reflect on what we’ve achieved and what we want the year ahead to look like. Whether you’re running a busi
NSW Land Tax 2026 – It’s Here Again
During the 2025 calendar year you may have inherited, purchased or otherwise acquired land in NSW for the first time and may now be liable to pay land tax. For
Retirement Planning: What to Do With Your Superannuation
Approaching retirement? Learn how to use your superannuation for income, reduce tax and plan ahead with expert retirement planning advice.
Quarterly economic update: October - December 2025
Review of global and Australian market performance, inflation trends, interest rates and key investment considerations for the December 2025 quarter.
Important Tax Dates & Obligations Q3 – FY 2026
Key tax lodgement dates and obligations for Q3 FY 2026 (January – March 2026). Deadlines for BAS, PAYG, superannuation contributions and more.
Car Claims For Electric Vehicles
Working out the cost of electricity used to run your electric vehicle for business purposes requires specific records and some key choices. Here's what you need to know.
Protecting Your Super From Scams
With more than $4 trillion in superannuation, scammers see it as a goldmine. ASIC has warned of a rise in pushy sales tactics and false promises. Here's how to keep your nest egg safe.
Quarterly Economic Update: July – September 2025
Share markets at home and abroad posted strong returns last quarter. Discover what's shaping investment markets and what it means for you.
Sustainability for SMEs in Australia: Cut Costs & Gain Advantage
Discover how adopting sustainability practices enables Australian SMEs to reduce costs, ensure compliance, attract top talent, and secure a stronger position in supply chains.
The 4 Phases of Retirement
Dr Riley Moynes' TEDx research identifies four distinct psychological phases most people experience in retirement — well worth understanding before you reach that milestone.
The Value of Advice: What Does a Financial Planner Actually Help With?
Research from Russell Investments shows professional financial guidance boosts confidence, clarity and results. 89% of advised clients feel more confident about their finances.
AGS Welcomes Across the Board Taxation and Accounting
AGS Financial Group is pleased to welcome experienced Sydney-based accounting firm Across the Board Taxation & Accounting Services to the AGS family.
Important Tax Dates & Obligations Q2 – FY 2026
Key tax lodgement dates and obligations for Q2 FY 2026 (October – December 2025). Deadlines for BAS, PAYG, superannuation contributions and more.
The Art of Delegation
Effective delegation frees up time and boosts productivity. Here are the essential principles that separate true delegation from abdication.
The Right to Work From Home: Impact for Your Employees and Business
Proposed Victorian legislation could give employees the right to work from home two days per week. Here's what it means for your business and how to make hybrid working productive.
Quarterly Economic Update: April – June 2025
Global share markets delivered robust returns in 2024–25, driven by falling inflation, central bank rate cuts, and surprising economic resilience. Here's what it means for investors.
RBA holds the cash rate: what it means for mortgage holders right now
The Reserve Bank of Australia held the cash rate steady at its May 2025 meeting. For the millions of Australians with variable rate mortgages, here's what that means — and what actions are worth considering.
SMSF annual compliance checklist: what trustees must complete before 30 June
Every self-managed super fund must meet a set of annual compliance obligations by 30 June. Missing a deadline doesn't just mean a penalty — it can put your fund's complying status at risk. Here's everything on the list.
Debt recycling: turning your mortgage into a tax-efficient investment strategy
Debt recycling is one of the most powerful wealth-building strategies available to Australian homeowners — yet it's widely misunderstood. This guide explains how it works, who it suits, and the risks you need to understand.
Super Guarantee Rate: Australia's Current Rate & Full History
Australia's Super Guarantee (SG) rate reached 12% on 1 July 2025. See the full SG rate history by year, what the 12% milestone means for your salary sacrifice and take-home pay, and how to make the most of the increase.
Super contribution caps for 2025–26: concessional, non-concessional and the bring-forward rule
Understanding how much you can contribute to superannuation — and in what form — is fundamental to maximising your retirement savings and managing your tax. Here are the 2025–26 rules in plain English.
The Age Pension assets test: a plain-English guide for retirees
The assets test is the most common reason Australians receive a reduced — or no — Age Pension. Understanding what counts, what doesn't, and how to structure your finances can make a material difference to your entitlement.
Income protection vs TPD cover: understanding the difference and what you need
Income protection and total and permanent disability cover both protect you if you can't work — but they work in completely different ways. Getting the right mix is one of the most important financial decisions you can make.
Company, trust or sole trader: choosing the right structure for your business
The structure you choose for your business affects your tax bill, your asset protection, your ability to split income and your flexibility to bring in investors. Most Australians pick a structure without fully understanding the long-term implications.
AGS Welcomes Frank Martino and Lifetime Wealth Planners
AGS Financial Group is pleased to welcome experienced Sydney-based financial planner Frank Martino to the AGS family, effective 3 February 2025.
Estate planning essentials: what every Australian adult needs in place
A surprising number of Australians don't have a valid will — and those who do often lack the other documents that complete an effective estate plan. Here's what you actually need and why each document matters.
Property vs shares: building wealth through the right asset mix
The debate between property and shares dominates dinner table conversations about investing. The honest answer is that the question itself is usually the wrong one. Here's how to think about it properly.
How Much Does a Financial Planner Cost in Australia? (2025–26 Guide)
Financial planner fees in Australia typically range from $3,000–$6,000 for a comprehensive financial plan, or $200–$500 per hour. This guide explains every fee type, what's included, and how to assess whether professional advice is worth the cost for your situation.
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