Growth IQ

Does your business still rely on you for everything?

As your business grows, it's easy to become the person everyone depends on.

Questions, approvals, customer issues, team decisions... they all seem to land on your desk.

The problem?

The more the business relies on you, the harder it becomes to step back and focus on growth.

👉 Swipe through the carousel to see how clearer visibility, better systems, and stronger accountability can help reduce founder dependency as your business grows.

📘 Want to learn more? Read our latest article:
'How Business Owners Can Reclaim Time Without Stalling Growth'

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Year-end financials often reveal surprises that aren't obvious from the headline numbers.

📈 Revenue is up, but profit hasn’t increased significantly.
💰 The business is profitable, but cash flow still feels tight.
📉 Workloads have grown, but margins haven’t improved.

These are some of the most common year-end discoveries, and they can reveal valuable insights about how the business is really performing.

Your financial reports can help identify where cash is being tied up, where costs are increasing, and whether growth is translating into stronger profitability.

👉 Swipe through the guide to explore some of the most common year-end financial insights and what they could mean for your business moving forward.

📢 Attention employers: Minimum wages are increasing from 1 July 2026.

💠 National Minimum Wage: $1,004.90 per week or $26.44 per hour
💠 Award minimum wages: increasing by 4.75%

Now is the time to review whether your pricing, margins, and cash flow can absorb these increases. Higher wage costs can have a significant impact on your profitability.

Not sure how these changes affect your business? Contact us for a review.

📲 (08) 8126 4100
📧 [email protected]

𝗝𝘂𝗹𝘆 𝗔𝗧𝗢 𝗱𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀 📆

The new financial year is here, and July brings several important compliance deadlines for employers and businesses. Here's what to keep on your radar 👇

📅 1 July
• Payday Super commences for employers.

📅 14 July
• Finalise your 2025–26 Single Touch Payroll (STP) data.

📅 21 July
• Lodge & pay the June 2026 BAS/IAS (monthly reporters).
• Lodge & pay the Q4 PAYG instalment activity statement (head companies of consolidated groups).

📅 28 July
• Q4 activity statement — lodge & pay.
• Q4 PAYG instalment notice (Forms R and T) — pay; lodge only if varying.
• Super Guarantee (Q4) — contributions due to employee funds.

❗️If missed, an SGC statement must be lodged and the charge paid by 28 August. Late super isn't tax-deductible.

📅 31 July (if applicable)
• TFN report — closely held trusts (Q4).

✅ Save this post and set reminders so you start the new financial year on the right foot.

𝘕𝘰𝘵𝘦: 𝘠𝘰𝘶 𝘮𝘢𝘺 𝘣𝘦 𝘦𝘭𝘪𝘨𝘪𝘣𝘭𝘦 𝘧𝘰𝘳 𝘦𝘹𝘵𝘦𝘯𝘥𝘦𝘥 𝘭𝘰𝘥𝘨𝘮𝘦𝘯𝘵 𝘥𝘢𝘵𝘦𝘴 𝘸𝘩𝘦𝘯 𝘭𝘰𝘥𝘨𝘪𝘯𝘨 𝘷𝘪𝘢 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘵𝘢𝘹 𝘰𝘳 𝘉𝘈𝘚 𝘢𝘨𝘦𝘯𝘵, 𝘴𝘶𝘤𝘩 𝘢𝘴 𝘎𝘳𝘰𝘸𝘵𝘩 𝘪𝘘. 𝘊𝘰𝘯𝘵𝘢𝘤𝘵 𝘶𝘴 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘰𝘶𝘵 𝘮𝘰𝘳𝘦.

Growth starts with the right conversation.

And a new financial year is the perfect opportunity to reflect on what's working, what isn't, and what needs to change to support the next stage of growth.

💠 What created the biggest opportunities last year?
💠 What created the most pressure?
💠 What deserves more attention moving forward?

Take the time to step back, review your position, and plan ahead.

Growth iQ helps business owners gain clarity, make informed decisions, and move confidently towards their goals.

📲 (08) 8126 4100
📧 [email protected]

Division 296 has raised a lot of questions around SMSFs and whether they still make sense long term.

While the proposed tax on super balances above $3 million may affect some trustees, tax is only one part of the bigger picture.

An SMSF may still offer benefits such as:

💠 Greater investment control
💠 Flexible investment options
💠 Estate planning opportunities
💠 Long-term wealth structuring benefits

The key is understanding whether your current structure still aligns with your financial goals and future plans.

If you’d like to better understand how Division 296 may affect your SMSF, Growth iQ can help you review your position and explore the options available.

Will this decision grow profit, or just grow pressure on the business?

As businesses grow, decisions around hiring, expansion, pricing, and cash flow become more complex.

But without clear financial visibility, it can be difficult to know:
Is growth sustainable?
Can the business absorb more pressure?
Will expansion improve profitability or stretch it further?

👉 Swipe through the carousel to see how Agile CFO support helps business owners make clearer, more informed growth decisions.

📘 Learn more via our latest article: 'How a Fractional CFO Helps Build Real Business Wealth'
➡️ https://buff.ly/j7kch8u

🚦From 1 July 2026, Payday Super will change how businesses manage super payments and payroll compliance.

During the first year of the reform, the ATO will apply a risk-based compliance approach depending on how consistently super is paid within 7 business days of payday.

Businesses will generally fall into three risk zones:

🟢 Low Risk — compliant or promptly rectifying issues
🟠 Medium Risk — transitioning but inconsistent
🔴 High Risk — ongoing late payments or unresolved shortfalls

Businesses with delayed payments, unresolved shortfalls, or payroll processes that are not properly aligned are more likely to attract ATO attention.

That’s why now is the time to review:

- Payroll systems
- Super payment processes
- Cash flow capacity
- STP reporting
- Payroll governance and workflows

For many businesses, Payday Super will impact payroll, cash flow, reporting obligations, and day-to-day operations. Planning ahead before 1 July 2026 will be critical.

Are your payroll systems and super processes ready for Payday Super?
Growth iQ helps businesses prepare for the new rules with proactive payroll and compliance support.

EOFY is approaching. Has your clinic reviewed its financial position yet?

There are still important areas worth reviewing before 30 June, including:

💉 Equipment and devices
💻 Software and clinic systems
🎓 Training and certifications
🛋️ Fit-out and client experience costs
👥 Payroll and contractor compliance

EOFY is an opportunity to review how the clinic is operating, whether systems are keeping up with growth, and whether there is clear visibility over cash flow and profitability heading into the new financial year.

If you would like support reviewing your position, feel free to get in touch with the Growth iQ team.