4Front

Payday Super is now in effect. Has your payroll process been updated?

From 1 July 2026, super guarantee contributions must be paid within seven business days of each pay run.

The 12% super guarantee rate and employee eligibility rules have not changed.

Employers also need to complete one final quarterly payment. Super for the April to June 2026 quarter is due by 28 July 2026. For more information, contact your 4Front Advisor today.

Read more: https://4front.net.au/business-consulting/payday-super-reminder-have-you-started-paying-super-within-7-days-of-the-payroll/

Are you planning to purchase residential property through your SMSF?

Proposed changes to borrowing rules could affect whether you can proceed under the current arrangements. Contract timing, settlement dates and refinancing decisions may all have an impact.

See what the changes could mean for your SMSF: https://4front.net.au/business-consulting/smsf-property-investors-major-change-to-borrowing-rules/

What if the conditions that made your business look strong are now starting to change?

Rising costs, tighter margins and weak productivity growth are putting business decisions under greater pressure.

The latest edition of The Growth Leader explores why challenging conditions can create opportunity, and the questions business owners should be asking as FY27 approaches.

Explore how stronger businesses respond when conditions tighten: https://4front.net.au/business-consulting/the-growth-leader-volume-14/

Uncertainty is part of running a business.

Policy shifts, labour pressure, margin squeeze, cash flow demands, and shifting customer expectations all land on the owner's desk. The real question is whether you are set up to take sound business decisions despite the pressures.

Business owners who navigate this well tend to know what their numbers are saying and which decisions will strengthen the business over time.

That's where financial advice and coaching can work together.

We’ve discussed what business owners should be considering in our blog: https://4front.net.au/business-consulting/navigating-uncertainty-finding-opportunity-in-challenge/

At 4Front, we believe the measure of Success extends well beyond profit. We're humbled to play a small part alongside the Count Charitable Foundation in supporting the extraordinary work of the Fartsicorn Foundation. To everyone who contributed – thank you for helping make a meaningful difference to children and families who need it most.

Scam letters and emails are getting harder to spot. We’ve recently seen examples of communications claiming to be from ASIC and requesting payment. At first glance, they can look legitimate, with official-looking logos and contact details. Before you pay, click, or share details, pause and check. ASIC communications should come from an .gov.au email address, and you can contact ASIC directly to verify anything you are unsure about.

If something feels off, do not rely on the details in the message. Contact ASIC directly or speak with your 4Front Adviser. A few minutes of checking can prevent a much bigger problem. Read more here: https://4front.net.au/business-consulting/scam-awareness/

Made personal super contributions in the 2024-25 financial year? Here's one step you do not want to miss.

To claim a tax deduction, you need to submit a Notice of Intent to Claim form to your super fund and receive acknowledgement before lodging your 2025 tax return, or by 30 June 2026, whichever comes first.

Most funds allow you to complete this online through your member portal. For more information, please refer to our recent blog post: https://4front.net.au/business-consulting/super-contributions-tax-deduction-2025/

If you made personal super contributions and are not sure whether everything has been completed correctly, contact the 4Front team.
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Tax planning is easier when you know what to look for. We’ve created a practical End of Financial Year Tax Planning Checklist for Australian small business owners.

Review your tax position, spot gaps, and ask better questions of your adviser. 𝗗𝗼𝘄𝗻𝗹𝗼𝗮𝗱 𝘁𝗵𝗲 𝗘𝗢𝗙𝗬 𝗧𝗮𝘅 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗖𝗵𝗲𝗰𝗸𝗹𝗶𝘀𝘁 𝗵𝗲𝗿𝗲:https://4front.net.au/wp-content/uploads/2026/05/End-of-Financial-Year-Tax-Planning-Checklist-Small-Businesses.pdf
If anything on the checklist raises questions, speak with your 4Front adviser to better understand your tax position.

The Federal Budget 2026-27 has introduced several key tax and investment measures, staged across 2026 and 2027. That gives individuals, investors, business owners and employers time to review their position properly, but only if they start early.

Some measures may affect tax planning, asset decisions, investment strategy, business structuring, cash flow and longer-term financial planning.

To understand what the Budget may mean for you, your business, or your investment plans, speak with your 4Front adviser today!

Read the full budget analysis here:https://4front.net.au/wp-content/uploads/2026/05/Budget-2026-2027-at-a-glance.pdf

Most business owners walk into June without a tax plan. By the time they call their accountant, the window to do anything meaningful has already closed. Tax shouldn't be an event left to chance. It should be the result of deliberate decisions, made at the right time, and executed well.

We have put together 𝐚 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐠𝐮𝐢𝐝𝐞 𝐜𝐨𝐯𝐞𝐫𝐢𝐧𝐠 𝟏𝟎 𝐚𝐫𝐞𝐚𝐬 𝐭𝐨 𝐫𝐞𝐯𝐢𝐞𝐰 𝐛𝐞𝐟𝐨𝐫𝐞 𝟑𝟎 𝐉𝐮𝐧𝐞, based on what we see from business owners every year. Read the full guide here: https://4front.net.au/business-consulting/eofy-tax-planning-for-australian-small-business-owners-10-strategies-to-action-before-30-june/

If you haven’t taken a step back to review your position yet, this is a good place to start.