Sphere Accountants & Advisors Pty Ltd

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Sphere Accountants & Advisors Pty Ltd Proud Mornington based Business and Tax advisors, The Sphere Group works for YOU, not the ATO.

The Sphere Group offers comprehensive accounting and taxation services tailored for individuals and small businesses. Their services include bookkeeping, self-managed super fund advice, and business planning.

The days of relying on a quarterly buffer for superannuation are officially coming to an end, and it is set to shake up ...
16/10/2026

The days of relying on a quarterly buffer for superannuation are officially coming to an end, and it is set to shake up business cash flow more than you might think. From 2026, employers will have just seven business days after each payday to land contributions directly into employee accounts. While your total super liability doesnโ€™t change, switching to this rapid cycle requires a complete rethink of your working capital and payment workflows.

The real surprise, though, lies in how qualifying earnings are calculatedโ€”and the subtle payroll traps waiting for unprepared businesses.

๐Ÿ“– Read more: https://thespheregroup.com.au/payday-super-in-2026-what-mornington-peninsula-employers-need-to-know/

If you only hear from your accountant once a year at tax time, your business might already be leaving critical decisions...
14/10/2026

If you only hear from your accountant once a year at tax time, your business might already be leaving critical decisions far too late. While filing accurate returns is essential, true financial momentum comes from proactive, year-round guidance on cash flow, tax structuring, and growth.

The difference between someone who simply manages compliance and a true strategic partner often comes down to a few overlooked questions. The subtle signs that your business has outgrown its current financial setup might surprise you.

๐Ÿ“– Read more: https://thespheregroup.com.au/choosing-an-accountant-mornington-peninsula-guide/

If you only speak with your tax professional once a year, your business might be leaving critical opportunities on the t...
14/10/2026

If you only speak with your tax professional once a year, your business might be leaving critical opportunities on the table. With major shifts like Payday Super fundamentally reshaping payroll and cash flow, your biggest financial decisions are happening every single weekโ€”not just at tax time. The real secret to staying ahead isn't just ticking compliance boxes for the tax office, but knowing the crucial questions most owners forget to ask before making their next big move.

๐Ÿ“– Read more: https://thespheregroup.com.au/registered-tax-agent-in-mornington-advice-that-works-for-you/

Your tax return might be completely accurate, but that doesnโ€™t mean the decisions behind it actually protected your bott...
14/10/2026

Your tax return might be completely accurate, but that doesnโ€™t mean the decisions behind it actually protected your bottom line. When you are juggling multiple entities, waiting until the end of the year to connect the dots between payroll, super, and tax planning often creates costly blind spots across your business. The secret isn't just staying compliant at tax time, but knowing the critical qualities to look for in an advisor who can see the entire puzzle before those big financial choices are locked in.

๐Ÿ“– Read more: https://thespheregroup.com.au/best-accountant-for-complex-tax-structures-what-to-look-for/

When cash flow feels tight, itโ€™s easy to assume you just need to work longer hours or build another complex spreadsheet....
14/10/2026

When cash flow feels tight, itโ€™s easy to assume you just need to work longer hours or build another complex spreadsheet. In reality, lifting that constant financial weight starts with a simple shift in visibilityโ€”spotting your hidden pressure points long before tax time turns into a scramble. Establishing one small, consistent rhythm might just change the way you look at your numbers forever.

๐Ÿ“– Read more: https://thespheregroup.com.au/reducing-financial-stress-as-a-business-owner-a-practical-guide/

Think winding up your SMSF is as simple as signing a final form and shutting the bank account? Far from an easy exit, cl...
14/10/2026

Think winding up your SMSF is as simple as signing a final form and shutting the bank account? Far from an easy exit, closing a fund requires a strict sequence of decisions where doing things in the wrong order can trigger costly tax and compliance headaches. Handling your assets, benefits, and final audit takes careful timingโ€”and the critical first step isn't what most trustees expect.

๐Ÿ“– Read more: https://thespheregroup.com.au/how-to-close-an-smsf-a-guide-for-australian-trustees/

Too many business owners stick with an accountant who only calls once a year, simply because the thought of switching fe...
14/10/2026

Too many business owners stick with an accountant who only calls once a year, simply because the thought of switching feels awkward, risky, and disruptive. But moving to a proactive adviser is far smoother than you might think, especially since your new accountant handles most of the heavy lifting behind the scenes. Knowing the exact steps to navigate the handover without missing a single tax or payroll deadline might just change everything for your business this year.

๐Ÿ“– Read more: https://thespheregroup.com.au/changing-accountants-in-australia-a-business-owners-guide/

What if every single one of your businesses looks profitable on paper, but your overall financial picture tells a comple...
14/10/2026

What if every single one of your businesses looks profitable on paper, but your overall financial picture tells a completely different story? Juggling multiple entities often creates fragmented records and costly blind spots, especially when each company is handled in isolation rather than as a connected ecosystem. Asking just a few specific questions during your next financial review could completely change how you see your entire operation.

๐Ÿ“– Read more: https://thespheregroup.com.au/best-accountant-for-multiple-entities-on-the-mornington-peninsula/

Ten or so weeks until Christmas, which is just enough time to get ready without the panic. ๐—” ๐—ณ๐—ฒ๐˜„ ๐˜๐—ต๐—ถ๐—ป๐—ด๐˜€ ๐˜„๐—ผ๐—ฟ๐˜๐—ต ๐—ฑ๐—ผ๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ถ๐˜€...
14/10/2026

Ten or so weeks until Christmas, which is just enough time to get ready without the panic.

๐—” ๐—ณ๐—ฒ๐˜„ ๐˜๐—ต๐—ถ๐—ป๐—ด๐˜€ ๐˜„๐—ผ๐—ฟ๐˜๐—ต ๐—ฑ๐—ผ๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ถ๐˜€ ๐—บ๐—ผ๐—ป๐˜๐—ต: lock in your holiday rosters early so your team can plan too, order stock while suppliers still have room to say yes, remember that every extra shift now carries super on payday, and decide your shutdown dates so you can tell customers with plenty of notice.

And through all of it, keep one eye on the cash. If it would help to talk any of this through, our door is open and the kettle is on.

A well planned festive season is a gift you give yourself in October.

Christmas is meant to be joyful, but for business owners it can quietly become the most stressful stretch of the year. ๐—ฆ...
12/10/2026

Christmas is meant to be joyful, but for business owners it can quietly become the most stressful stretch of the year.

๐—ฆ๐—ฎ๐—น๐—ฒ๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐˜‚๐—ฝ, ๐˜†๐—ฒ๐˜ ๐˜๐—ต๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐˜€๐—ฒ๐—ฒ๐—บ๐˜€ ๐˜๐—ผ ๐˜ƒ๐—ฎ๐—ป๐—ถ๐˜€๐—ต: customers pay slowly, wages and super keep flowing through the shutdown, and January greets you with a BAS.

The good news is that a calm December is mostly built in October.

๐—” ๐—ณ๐—ฒ๐˜„ ๐—ด๐—ฒ๐—ป๐˜๐—น๐—ฒ ๐˜€๐˜๐—ฒ๐—ฝ๐˜€: invoice a little earlier, tuck away a holiday buffer, let your numbers guide the festive stock and rosters, and note the bills that arrive in January. Swipe through our six steps, then book a cash flow chat with us. We will help you plan a Christmas you can actually enjoy.

Address

101 Beleura Hill Road
Rye, VIC
3931

Opening Hours

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

Telephone

(03) 8899 6399

Website

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