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Risk Mitigation

Beware of ATO scams: What we’re seeing right now
We’re seeing a rise in sophisticated scams impersonating the Australian Taxation Office (ATO), and unfortunately they’re getting harder to spot at first glance.
  • Posted in Business Advice, Client Communications, q4 Clients, Risk Mitigation, Tax & Accounting
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Why estate planning matters: Insights from an estate planning lawyer
Estate planning is one of those areas that many people put off, but it plays a crucial role in safeguarding not just your financial position, but also the security of your loved ones.
  • Posted in Business Advice, Financial Planning, Risk Mitigation, Tax & Accounting
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5 Critical mistakes business owners make when planning their exit
Many owners expect the exit to be the easy part. In reality, exiting your business well requires just as much strategy, foresight, and discipline as growing the business did in the first place.
  • Posted in Business Advice, Financial Planning, Retirement Planning, Risk Mitigation, Succession, Tax & Accounting, Wealth Extraction
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Will Australia dodge a recession – even with Trump back in the headlines?
At q4 financial, we’re keeping a close eye on the data, and we continue to guide our clients with a calm, strategic approach. Long-term investing is about staying the course — not reacting to headlines.
  • Posted in Financial Planning, q4 financial, q4 wealth, Retirement Planning, Risk Mitigation, Wealth Extraction
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Client Spotlight: Move Physio Pilates – Helping the community move better
At q4 financial, we take great pride in working with businesses that are making a real impact in their communities. This month, we’re shining the spotlight on Move Physio Pilates, a dynamic and client-focused physiotherapy and movement studio dedicated to helping people move at their best.
  • Posted in Business Advice, Growth, q4 Clients, q4 financial, Risk Mitigation, Tax & Accounting, Wealth Extraction
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Understanding Fringe Benefits Tax (FBT) for 2025: Key Insights for Employers
With the ATO keeping a close eye on FBT compliance, especially following a year of legislative updates, we want to make sure you’re fully across what matters most for your business. Here’s a practical guide to what employers need to know for 2025.
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AI’s rapid evolution and it’s economic impact
As a financial advisor, I see the profound impact AI is having on business strategy, workforce dynamics, and investment opportunities. This post explores how AI has advanced in recent years and what these changes mean for the broader economy.
  • Posted in Business Advice, Financial Planning, Risk Mitigation, Wealth Extraction
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Selling your business is NOT a retirement plan!
Relying solely on your business for retirement is a risky strategy. Here’s why you should consider diversifying your investments to create a more secure and balanced retirement plan.
  • Posted in Business Advice, Financial Planning, Risk Mitigation, Tax & Accounting, Wealth Extraction
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Personal Guarantees: Do you know what you are signing?
In Australia, personal guarantees are a common requirement for securing loans, leases, and other financial obligations, especially for small business owners. However, many people sign these documents without fully understanding the implications. Before you commit to a personal guarantee, it’s crucial to know what you’re agreeing to and the potential risks involved.
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Why you should consider Audit Insurance
Navigating the complexities of tax regulations can be daunting. This is where audit insurance comes into play, providing a safety net that can save your business from significant financial and operational disruptions.
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