Fluid Business Advisory

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Fluid Business Advisory Passionate about business success, community impact. Let's achieve dreams together! At our firm, we go beyond the ordinary in accounting services.

Our mission is to empower your business to soar to new heights. We're dedicated to forging collaborative relationships with business owners to refine, simplify, and elevate their operations. Our goal is to propel your ambitious business aspirations by managing the routine and providing innovative insights. With our seasoned guidance on safeguarding your assets, your business will remain resilient against potential threats, allowing you to focus on growth with unwavering confidence.

Ever received a letter from the ATO about PAYG instalments and wondered what they are? You’re not alone.�PAYG (Pay As Yo...
05/08/2025

Ever received a letter from the ATO about PAYG instalments and wondered what they are? You’re not alone.�

PAYG (Pay As You Go) instalments are prepaid tax contributions based on your business income. Instead of paying your tax all at once at the end of the year, the ATO estimates your future income and asks you to pay in instalments throughout the year.
�
This system helps smooth out your tax bill and reduces the risk of a large surprise come tax time.�

🔍 Why am I receiving PAYG instalments?�

✔️ You lodged a return showing income above a certain threshold.�
✔️ The ATO estimates you’ll owe tax again this year.�
✔️ It’s their way of helping you stay on top of your tax obligations.

📅 PAYG instalments are usually quarterly—but they can be adjusted if your income changes.

💡 The good news? Paying tax in chunks can ease the pressure later. And if you’ve paid too much, it’ll be credited at tax time.
Need help managing your PAYG instalments or want to reduce your upfront tax burden? Let’s simplify the process and get you back in control.

Scaling a business isn’t just about getting more clients—it’s about building systems that allow growth without sacrifici...
29/07/2025

Scaling a business isn’t just about getting more clients—it’s about building systems that allow growth without sacrificing your time and energy.

Here’s where to focus:

✔️ Document your processes – Use tools like Notion, Trello, or Loom to standardise how tasks are done.�
✔️ Automate admin – Set up workflows for emails, invoicing, and onboarding. Zapier and Xero can save hours.�
✔️ Delegate low-value tasks – Outsource bookkeeping, design, or customer service so you can focus on strategy.�
✔️ Use the right tech – Invest in systems that integrate and grow with your business (e.g. cloud CRMs, job management platforms).�
✔️ Check your margins – Growth with thin profit margins leads to burnout. Keep an eye on what's actually profitable.

💡 Want to build a business that runs smoothly—without you in every detail? Let’s work on creating a model that supports long-term growth and balance.

Tax Incentives Every Small Business Owner Should Know.Small business owners are always looking for smart ways to reduce ...
22/07/2025

Tax Incentives Every Small Business Owner Should Know.

Small business owners are always looking for smart ways to reduce their tax bill and improve cashflow. That’s where tax concessions and incentives come in—if you’re eligible, these benefits can make a real difference.

Here are a few to explore:

✅ Instant Asset Write-Off – Claim an immediate deduction for assets used in your business, up to the eligible threshold.�
✅ Small Business Income Tax Offset – If you’re a sole trader or have a small partnership, you could reduce the tax on your business income.�
✅ Simplified Depreciation Rules – Write off assets more quickly and streamline your tax reporting.�
✅ Prepaid Expenses – Prepay expenses like rent, subscriptions, or insurance to bring forward your deductions.�
✅ CGT Concessions – Selling business assets? You may be eligible for capital gains tax discounts.

💡 Not sure what your business qualifies for? We help business owners understand and apply available tax concessions—let’s chat about how to make them work for you.

Your business might be profitable on paper—but cash in the bank tells another story.� That’s where understanding cashflo...
15/07/2025

Your business might be profitable on paper—but cash in the bank tells another story.� That’s where understanding cashflow becomes critical.

✔️ Profit = revenue minus expenses over a set period�
✔️ Cashflow = actual money moving in and out of your account

Common traps to watch for:

⚠️ Waiting on customer payments�
⚠️ Spending ahead of revenue�
⚠️ Not planning for tax or BAS obligations

How to avoid cashflow stress and keep profits healthy:

�✔️ Forecast regularly – Track income and expenses monthly. Even a basic spreadsheet helps spot shortfalls.�
✔️ Tighten payment terms – Invoice promptly, reduce payment windows, and follow up on overdue accounts.�
✔️ Build a buffer – Aim for 1–2 months of expenses in reserve for slow periods.�
✔️ Cut waste – Cancel unused subscriptions and renegotiate supplier rates.�
✔️ Plan for tax – Put aside funds for GST, PAYG, and Super as you go to avoid surprises.

💡 Ready to take control of your cashflow? We help business owners reduce stress, plan ahead, and grow sustainably. Let’s chat.

Superannuation plays a big role in your future wealth—but how it’s taxed can impact your strategy today.We often get ask...
08/07/2025

Superannuation plays a big role in your future wealth—but how it’s taxed can impact your strategy today.

We often get asked how super contributions and withdrawals are taxed, especially by business owners making contributions for themselves or their employees.

Here’s a quick breakdown:

📥 Contributions

�✔️ Concessional (before-tax) contributions (like employer SG or salary sacrifice) are taxed at 15% in your super fund—up to the annual cap.�
✔️ Non-concessional (after-tax) contributions aren’t taxed going in but are also capped. Going over the cap? You could face higher tax.

📤 Withdrawals

�✔️ Tax-free if you’re aged 60+ and meet a condition of release.�
✔️ Under 60? You may pay some tax depending on your super’s components.

👥 For employers: From 1 July 2025, you’re required to pay 12% Super Guarantee on ordinary time earnings, quarterly. Late payments = penalties and no deduction.

💡 Super can be a powerful tool for retirement and tax planning—if you know the rules. We help business owners maximise super while staying compliant.

Let’s chat about your super strategy.

Superannuation & Tax: What Business Owners Should Know 💼Super is a key part of retirement planning in Australia—and for ...
01/07/2025

Superannuation & Tax: What Business Owners Should Know 💼

Super is a key part of retirement planning in Australia—and for business owners, it carries important tax implications. Here’s a quick breakdown:

1️⃣ Contributions & Tax Treatment 📥

Concessional (before-tax): Includes SG and salary sacrifice, taxed at 15% up to the cap.

Non-concessional (after-tax): Made from personal income and not taxed upon entry, but caps still apply.

2️⃣ Withdrawals & Retirement Income 📤

If you’ve met a condition of release, super withdrawals may be tax-free from age 60.

Withdrawals before 60 may be partially taxed depending on components.

3️⃣ Employer Obligations 👥

You must pay the Super Guarantee (currently 11.5% increasing to 12% on 1 July 2025) at least quarterly for eligible staff

Late payments risk penalties and lost deductions.

💡 Super can be a powerful tool for building long-term wealth and ensuring compliance. We help business owners get it right. Let’s talk.

Tax & Crypto: What Business Owners Should KnowWith crypto gaining popularity, many businesses are exploring its use—but ...
24/06/2025

Tax & Crypto: What Business Owners Should Know

With crypto gaining popularity, many businesses are exploring its use—but are you clear on how the ATO treats it?

1️⃣ Crypto = Property – The ATO treats crypto as an asset, not currency. CGT applies when selling, trading, or using it.
2️⃣ Payments in Crypto – If you accept crypto for goods or services, it must be reported as income in AUD and included in your BAS.
3️⃣ Crypto-to-Crypto Trades – Swapping one coin for another? That’s still a taxable event.
4️⃣ Keep Records – Track dates, AUD values, wallet addresses, and transaction purposes.
5️⃣ Trading Stock Rules – If you regularly buy and sell crypto as a business, CGT may not apply—it could be treated as trading stock instead.

💡 Crypto tax can get complex. We’ll help you stay compliant and structure your transactions smartly. Let’s talk.

What is Fringe Benefits Tax (FBT)?If your business offers perks like a company car, entertainment, or employee benefits ...
17/06/2025

What is Fringe Benefits Tax (FBT)?

If your business offers perks like a company car, entertainment, or employee benefits beyond salary, FBT may apply.

FBT is a tax paid by the employer on certain benefits provided to employees or their associates.
These can include:�
🚗 Company vehicles�
🎁 Gifts or reimbursements�
🍽️ Meals & entertainment�
🏘️ Housing or accommodation

As an employer, you’re responsible for calculating and reporting FBT. Not all benefits are taxable, but knowing which ones are can save you from unexpected liabilities.

💡 Unsure how FBT affects your business? We help business owners navigate obligations and stay compliant. Let’s chat.

Negative gearing is a term that often pops up in property investment, but it can also be a valuable strategy for busines...
10/06/2025

Negative gearing is a term that often pops up in property investment, but it can also be a valuable strategy for business owners. Put simply, negative gearing is when the cost of owning an income-producing asset (like a rental property or investment) is more than the income it earns.

While that might sound like a loss, it can actually work in your favour come tax time.

Here’s how it works:

When your expenses exceed the income from that asset, the difference (or "loss") may be used to reduce your taxable income. That means you could end up paying less tax overall.

Common deductible expenses include:

✅ Loan interest
✅ Property management fees
✅ Maintenance & repairs
✅ Depreciation

⚠️ To benefit from negative gearing, the asset must be held with the intention to generate income. This isn’t a quick-win strategy—it’s designed for long-term planning.

💡 Thinking about using negative gearing as part of your broader tax or investment plan? We help business owners structure their investments to maximise tax efficiency and support future growth. Let’s chat.

Address

2/355 Sheridan Street
Cairns, QLD
4870

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 3pm

Telephone

+61740412581

Website

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