Quinn Financial Planning

18/10/2026

Can you access your super before retirement?

In very limited circumstances, you may be eligible to access superannuation early on compassionate grounds when you cannot meet certain expenses through other means.

Eligible expenses may include:

• Specific medical treatment or transport
• Preventing foreclosure on your home
• Palliative care
• Disability-related modifications
• Certain funeral or burial expenses

Strict eligibility and evidence requirements apply. Tax may also be withheld, and withdrawing super early can affect your future retirement savings.

Read our latest article:https://www.quinnfinancialplanning.com.au/accessing-superannuation-on-compassionate-grounds

Under regulation 6.19A of the SIS Regulations, a person can apply for early release of super to pay for expenses where they have no other means of meeting the cost.

15/10/2026

An exciting industry can change the world without every company in that industry becoming a successful investment.

Popular themes such as AI, clean energy, electric vehicles and cryptocurrency can attract attention—and high expectations.

Before following a headline, consider the fundamentals:

• Does the business generate sustainable cash flow?
• Is its debt manageable?
• Is the valuation reasonable?
• Does it have a durable competitive advantage?
• How does it fit within a diversified portfolio?

Read our perspective:https://www.quinnfinancialplanning.com.au/investing-in-headlines-vs-investing-in-fundamentals-what-history-teaches-us/

In recent years, “thematic investing” has become one of the most popular styles of investing in Australia and globally. It sounds compelling. It feels modern. And it often aligns with exciting stories about the future.

14/10/2026

AI can explain a financial concept in seconds—but that doesn’t mean the answer is correct.

AI tools may produce outdated information, misunderstand tax rules or even invent cases and references that appear genuine.

They can be useful for generating questions or creating an initial checklist. They should not replace verified information or advice based on your circumstances.

When the decision involves tax, superannuation or investments, “it sounds right” isn’t enough.

Read more:https://www.quinnfinancialplanning.com.au/the-risks-of-relying-on-ai-for-taxation-superannuation-or-investment-research/

Artificial intelligence (AI) systems such as chatbots and automated research assistants are increasingly used by taxpayers and professionals to gather information quickly.

13/10/2026

📣 A reminder for Australian employers: Payday Super is now in effect.

Employers must pay Super Guarantee contributions at the same time as employees are paid. Contributions generally need to reach the employee’s super fund within seven business days of payday.

The change can affect:

• Payroll processes
• Business cash flow
• Payment timing
• Error management
• Record keeping

If your systems haven’t been fully reviewed, now is the time to check that everything is working correctly.

Read our guide:https://www.quinnfinancialplanning.com.au/payday-super-2026-what-every-business-client-needs-to-do-before-1-july/

Payday Super 2026: What Every Business Client Needs to Do before 1 July. Reforms will significantly change how employers manage superannuation obligations.

12/10/2026

The ATO receives information from employers, banks, share registries, government agencies and other organisations.

That means a simple oversight on your tax return may be easier to identify than you think.

Common mistakes include:

• Forgetting interest, dividends or additional income
• Claiming expenses without adequate records
• Incorrectly calculating rental-property deductions
• Mixing personal and business expenses
• Overlooking a Capital Gains Tax event

Accuracy matters—and so does keeping the right evidence.

Read the full checklist:https://www.quinnfinancialplanning.com.au/common-mistakes-to-avoid-when-lodging-your-tax-return-and-what-brings-you-under-the-ato-radar

11/10/2026

🏠 Own—or plan to buy—an investment property?

The Australian Government has announced significant changes to negative gearing and Capital Gains Tax from 1 July 2027.

The reforms may change the tax treatment of established residential properties and increase the importance of assessing an investment on its financial fundamentals—not simply its potential tax benefits.

Before buying, selling or restructuring an investment property, make sure you understand how the proposed rules could affect your strategy.

Read our overview:https://www.quinnfinancialplanning.com.au/negative-gearing-in-australia-history-policy-changes-and-likely-future-impact

08/10/2026

You’ve spent years building your business. How much time have you spent planning your exit?

A successful transition may involve more than finding a buyer. Business owners may also need to consider:

• The value of the business
• Personal and business assets
• Tax implications• Superannuation
• Insurance and business partners
• Retirement income

Starting early gives you more time to prepare the business—and yourself—for what comes next.

https://www.quinnfinancialplanning.com.au/financial-planning-business-owners/

07/10/2026

Having a will is important—but it may not address every part of your financial life.

A considered estate plan can help determine:

• Who manages your affairs if you cannot
• How and when your assets are distributed
• Who takes control of a business or SMSF
• How vulnerable beneficiaries are protected
• Whether your financial structures reflect your wishes

Planning today can give your family greater clarity when it matters most.

Learn more:https://www.quinnfinancialplanning.com.au/estate-planning-advice/

06/10/2026

You may have a plan for building wealth—but does it account for the unexpected?

An illness or injury can affect your income, mortgage repayments, household expenses and long-term financial goals.

Personal insurance can help protect the financial plan you’re working hard to build. The right type and level of cover will depend on your circumstances, responsibilities and existing insurance.

When did you last review yours?

https://www.quinnfinancialplanning.com.au/personal-insurance/

05/10/2026

A Self-Managed Super Fund can provide greater control over how your retirement savings are invested—but greater control also brings greater responsibility.

Before establishing an SMSF, it’s important to consider:

• Your investment strategy
• Administration and ongoing costs
• Trustee responsibilities
• Compliance requirements
• Whether it suits your retirement goals

An SMSF can be valuable in the right circumstances, but it isn’t the right solution for everyone.

Explore your options:https://www.quinnfinancialplanning.com.au/smsf-adviser/