Find Yarra Ranges 2022 - April Edition by Find

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APRIL 2022

Yarra Ranges WHAT’S INSIDE: 04

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About the Find Yarra Ranges By Warren Strybosch

The Find Yarra Ranges is a community paper that aims to support all things Yarra Ranges. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting upand-coming events in the Find Darebin for Free. We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month. We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area. To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate. Follow us on facebook (https://www. facebook.com/findyarraranges) so you keep up to date with what we are doing. We value your support, We value your support, The Find Yarra Ranges Team.

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Yarra Ranges EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 info@findnetwork.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: info@findnetwork.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: info@findnetwork.com.au WEBSITE: www.findyarraranges.com.au

OUR NEWSPAPER The Find Yarra Ranges was established in 2020 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-ForProfits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Darebin has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS YARRA RANGES The City of Yarra Ranges is a local government area in Victoria, Australia in eastern and northeastern suburbs of Melbourne. Yarra Ranges had a population of approximately 149,537 as at the 2016 report and close to 58,972 households. The City of Yarra Ranges was formed in 1995 by the merger of parts of the Shire of Sherbrooke, Shire of Lillydale, Shire of Healesville and Shire of Upper Yarra.

ACKNOWLEDGEMENT The Find Yarra Ranges acknowledge the Wurundjeri people, the original custodians of this land and their rich cultural heritage and spiritual connection to the land. We recognise and respect the unique diversity of the Indigenous community in Yarra Ranges, which is part of the world's oldest living culture.

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Readers are advised that the Find Yarra Ranges accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

Next Issue of the Find Yarra Ranges will be published on Friday MAY 7, 2022. Advertising and Editorial copy closes Friday April 29, 2022.

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FIND YARRA RANGES | APRIL 2022

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ASIC - Influencers providing money advice have been warned Warren Strybosch

Friends/family

35% 22%

News/media

Financial adviser

18%

Other

10%

Other financial Professional

Social media

Source: ARdata consumer survey 2022

Who do you get your money or finance advice from? For many people they rely on their friends and family. For others, it is their professional advisor. In the past their professional advisor was the accountant but now that accountants can longer provide financial advice anymore, more people are turning to licenced financial planners. However, there is a growing number of people who do not seek professional advice but rather put their faith and trust into financial influencers or ‘fin-influencers’.

more likely to be providing financial product advice because it indicates an intention to influence the audience,” the information sheet warned. ASIC commissioner Cathie Armour said the way investors access information is changing.

With a recent survey conducted by the Australian Securities and Investments Commission (ASIC), they found that over 33 cent of 18 to 21 year-olds are following someone a fin influencer on social media to obtain money advice. ASIC has become concerned about these influencers that they have released a paper INFO 269 warning social media influencers of the substantial risks and penalties they face if they promote financial products and services online.

“ASIC monitors select online financial discussion by influencers who feature or promote financial products for misleading or deceptive representations or unlicensed advice or dealing. If we see harm occurring, we will take action to enforce the law.”

The information sheet warns that anyone discussing financial products and services online or promoting affiliate links must understand their legal obligations, including whether they are providing financial product advice or arranging for followers to deal in a financial product. “Make sure your content is accurate and balanced. If your online post is misleading, you may be breaking the law.” ASIC stated that influencers can share factual information but if that information is presented in a way that conveys a recommendation that someone should or should not invest in a product or a class of products, then this may be a breach of law. “If you’re an influencer who receives benefits or payment for your comments in relation to financial products, you’re

“It is crucial that influencers who discuss financial products and services online comply with the financial services laws. If they don’t, they risk substantial penalties and put investors at risk,” said Ms Armour.

Dr Angel Zhong – who is a senior lecturer in finance in the school of economics, finance and marketing at RMIT University - applauded the move by ASIC, after recent research by the university found that financial information consumed online influenced investment decisions. “Unverified investment advice is no different to fake news, which is frequently flagged by social media platforms that urge viewers to read with caution,” Dr Zhong said. “Newbie investors are particularly susceptible to receiving dodgy financial advice, as the internet replaces traditional outlets like accredited financial advisers. As one of Australia’s most popular fin influencers, better known as the Bare Foot Investor, we emailed Mr Scott Pape, seeking his response to INFO 269. We asked him to comment on his audio books which direct clients to use certain industry funds and personal insurances within those industry funds. Lastly, we asked him if he would be making it clear that he is no longer able to provide

financial planning advice since giving up is Australian Financial Services Licence back in 2020. As of writing this article, we have had no response from Mr Pape. As a side note, we acknowledge that the financial planning world has changed a lot over the past few years, and it is hard to keep abreast of these changes. We would encourage Scott to review his material in his books before releasing the next edition. For instance, he may not be aware that most industry fund insurers have changed their Total and Permanent Disability terms about five years ago and now have made it very hard for anyone to get a claim paid under their ‘any’ occupation definition. Also, professionals should consider an ‘own’ occupation definition which cannot be offered by industry funds. Pricing is another factor. Often it is cheaper in the long term to take up personal insurances with a retail insurer whilst still paying the premiums from their industry fund as a rollover. Given industry funds don’t offer level premiums, for young people, having a level premium policy can save them thousands of dollars in the long term compared to stepped policies. Whilst Financial Services Minister Jane Hume last year compared the influencers to “taxi drivers…giving stock tips”, ASIC has taken a dimmer view. Last month, the corporate watchdog updated its guidance and warned unlicensed influencers could face up to five years in prison or significant fines for breaking financial services laws. ASIC, in the past, have made bold statements and often their bark has been bigger than their bite. It will be interesting to see if ASIC will follow up on INFO 269 as undoubtedly, fin influencers, will continue to provide comments that may be construed as providing ‘money’ advice that they consider is not always in the best interest of consumers.

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APRIL 2022 | FIND YARRA RANGES

Influencers in firing line – this time with Therapeutic Goods Administration (TGA) Warren Strybosch

Many people want to become an influencer because of the money they can bring in from incentivised testimonials promoting health care products and the like. However, the TGA have made revisions to the Code which specifically deals with social media influencers. The new rules prohibit paid or incentivised testimonials by influencers in relation to any and all health products within Australia. The TGA have stated that influences can no longer be paid for posts related to sunscreen, protein powder, vitamins, supplements, medicines, skin-lightening products, and ‘acne skincare.’ Many people believe the ban or restrictions placed on influencers, be in influencers providing ‘money’ advice (read our other article in this month’s edition related to fin influencers) or those selling health products, can only be a good thing as it will combat misinformation which has become a big concern for regulatory bodies. Some people have spoken out against the bans believing it will have a negative impact on their lives; namely LGBTQIA+ and female social media influencers. However, most people believe combating misinformation is more important than some people making a lot of money from promoting products

that they likely don’t care about and/ or don’t believe in. Some people have gone so far as to state that influencers should go and “get a real job”; believing influencers have become famous for all the wrong reasons. To clarify these new rules brought out this year, the TGA stated that “companies can continue to connect with influencers for the purpose of product promotion”. However, an influencer cannot, whether direct or inferred, provide any type of personal endorsement of health products. They can work with a business but cannot express their personal opinions about the business or the products they sell. As such, an influencer can be seen holding a product but cannot comment on it or provide a personal testimonial anywhere; be it their own websites, print material, and social media. According to the TGA, this step will result in greater transparency regarding product reviews and suggestions on social media. Testimonials can be overly persuasive to a sensitive audience looking for products to help with their health and, in some cases, really significant health concerns. The new Code assures that endorsements are as

neutral as feasible and are not swayed by business interests or personal benefit. For the TGA, since the inception of social media, misinformation has been a major concern. Some products have been endorsed that were either fraudulent in their claims or, worse case, led to deaths. The TGA wants consumers to have confidence that any testimonial is free from influence or bias and that the products they purchase have information supplied that is true and correct to label. The TGA has gone so far as to require influencers to delete past posts in relation to certain products e.g., sunscreen, if those posts were incentivised in any way. Influencers have been a key sales strategy for many well-known brands and these changes are likely to impact sales in the short term as the grapple with the new codes now in play. For influencers, they may need to look elsewhere to secure their fortunes. Given the pharmaceutical industry as always been a lucrative one to be a part of the new rules are sure to hurt some influencers bottom line going forward. Unfortunately, we don’t believe there will be any Change.org campaigns or the like to help their cause.

View Program

APRIL 2022 | FIND YARRA RANGES

FIND YARRA RANGES | APRIL 2022

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Are you a Financial Planner looking for more clients? Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services. List in our Find Aged Care Accommodation Website Are you an Established and experienced Financial Planner providing Aged Care Advice? Find Aged Care Accommodation is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community papers. Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcareaccommodation.com.au visit our website at www.findagedcareaccommodation.com.au

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APRIL 2022 | FIND YARRA RANGES

Paid Parental Leave Scheme to be Expanded Andrew Brown (Australian Associated Press)

Single parents will now be able to access the full 20 weeks of paid parental leave, under changes to the scheme announced in the federal budget. The 2022/23 budget unveiled changes to the paid parental leave scheme, which would expand eligibility for the program.

The scheme will be changed by rolling A further $19.4 million has been set aside the Dad and Partner Pay into Parental over five years to set up a new grant Leave Pay to create a single scheme. round of the community child care fund.

Enhanced paid parental leave will provide up to 20 weeks of flexible leave for eligible working families.

The paid parental leave can be taken The fund is used to help set up new within two years of the birth or adoption child care services in rural, remote and regional areas where child care services of the child. are limited.

The changes would mean eligible single parents would be able to access an additional two weeks of paid parental leave.

It’s estimated 180,000 new parents It’s forecast $11 billion will be spent on access the paid parental leave scheme child care during 2022/23, with $10.7 billion coming from the child care each year. subsidy. The budget papers say the changes Flood-affected childcare centres will also to the scheme would not result in any receive a boost from the budget, with existing people who are on the scheme $22.1 million over two years to increase being worse off under the changes. the community child care fund.

The federal government will provide $346.1 million over five years to improve the paid parental leave scheme.

Latest Snapshot of Coronavirus Impact Robyn Wuth (Australian Associated Press)

AUSTRALIAN VACCINATION NUMBERS: * There have been 56,665,166 vaccine doses administered in the national COVID-19 rollout up to Monday, including 57,638 recorded in the previous 24 hours. * Of that total, 35,870,745 have been administered by commonwealth facilities, an increase of 45,731 in the previous 24 hours.

booster or top-up shot – an increase of 30,428 in the previous 24 hours.

* State and territory facilities have administered 20,794,421 vaccines, an increase of 11,907 in the previous 24 hours.

* 58,254 new cases: 19,183 in NSW, 9946 in Queensland, 12,007 in Victoria, 8145 in Western Australia, 5068 in South Australia, 2437 in Tasmania, 918 in the ACT and 550 in the Northern Territory.

* 96.83 per cent of people aged 16 and over have had at least one dose of a COVID-19 vaccine and 95.17 per cent are double vaccinated. * A total of 13,002,602 people have received more than two doses – with a

AUSTRALIAN CORONAVIRUS NUMBERS:

* The national death toll is 6422 (+38): Victoria 2763 (+8), NSW 2473 (+12), Queensland 755 (+8), South Australia 268 (+4), WA 67 (+5), ACT 43 (+1), NT 36 and Tasmania 31. (Two Queensland residents who died in NSW have been included in

the official tolls of both states). GLOBAL CORONAVIRUS NUMBERS: * Cases: at least 493,675,018 * Deaths: at least 6,169,931 * Vaccine 11,007,686,598

doses

administered:

Data current as at 1700 AEST on April 5, taking in federal and state/territory government updates and Johns Hopkins Coronavirus Resource Centre figures.

APRIL 2022 | FIND YARRA RANGES

FIND YARRA RANGES | APRIL 2022

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Coming Election - Labor’s focusing on Aged Care During the budget reply, the opposition leader decided not to talk about economic policy but instead used the opportunity to kick off his election campaign with the address centred around aged care. Aged Care The address was full of spending promise. If elected they would spend $2.5 billion in the Aged Care sector with the aim to improve the standards and quality of care under a five-point plan, including: 1. 2.

4. 5.

requiring every aged care facility to have a qualified nurse on site 24 hours a day; mandating every aged care resident receives a minimum 215 minutes of care per day (noting this was recommended by the Royal Commission); delivering a pay rise for aged care workers through an appeal to the Fair Work Commission to set higher wages (noting this financial commitment was not included in the estimated $2.5 billion aged care package but could amount to as much as $4 billion if the Commission agrees with the unions on the pay rise they are seeking); providing better food for residents by setting a mandatory nutrition standard for agreed care; and introducing more accountability measures including requiring providers to publicly report their spending and promising more staff and funding for the Aged Care Safety Commission.

Interestingly, the Opposition once again avoided discussing economics and kept away from answering the key question as to how they were going to pay for all of this, as well as all the other spending promises they have made to date. What was notably interesting in the Oppositions reply was their statement that they would increase defence spending which is at odds with the Greens. Labor needs the Greens bi-partisan support for the up-and-coming election if

they have any hope of winning, so this announcement is sure to stir the hornets’ nest. We look forward to finding out how Labor proposes to pay for all their future spending initiatives. History has shown that Labor is very quick to spend money to win the people (when I say people it usually ends up in the hands of the unions and not the ordinary everyday Australian) but find it very difficult to manage it wisely.

COVID Grants – Now approved as tax-free income By Warren Strybosch

The following COVID grants have been granted status as non-assessable non-exempt income (NANE) (basically tax-free income): 2022 Small Business Support Program (NSW); Commercial Landlord Hardship Grant (NSW); NSW Accommodation Support Grant (NSW); NSW Festival Relaunch Package (NSW); NSW Performing Arts Relaunch Package (NSW); 2021 COVID-19 Business Support Grants (Qld); COVID-19 Additional Business Support Grant (SA); COVID-19 Business Hardship Grant (SA); COVID-19 Business Support Grant - July 2021 (SA); COVID-19 Tourism and Hospitality Support Grant (SA); COVID-19 Business Support Grant (ACT). For more information go to: Income Tax Assessment (Eligible State and Territory COVID-19 Economic Recovery Grant Programs) Amendment Declaration (No.3) 2022.

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APRIL 2022 | FIND YARRA RANGES

List Your Aged Care Facilities with Find Aged Care Accommodation Today. Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area.

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation.com.au) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findaccommodation.com.au.

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FIND YARRA RANGES | APRIL 2022

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Victorian Sick Pay Guarantee for Casual Employees – Apply before you get sick By Warren Strybosch

Victoria is the first state to provide 5 days a year of sick and carer's pay at the national minimum wage for casual and contract workers in certain occupations. The Victorian Sick Pay Guarantee will operate for 2 years, starting in 2022 and is fully funded by the Victorian Government. The Victorian Sick Pay Guarantee provides casual and contract workers with a guarantee they will receive sick pay when they need to take time off when they are sick or need to care for loved ones. Important: Your employees must register and be approved with Services Victoria BEFORE they get sick. If you apply for this payment after you become ill, you will not get paid for the days you were sick prior to applying. Whilst this is good news for casual workers, it is confusing for the employers. Currently, employers pay an additional 25% leave loading to casuals to cover the fact that casuals did not get leave entitlements. However, this new payment to casual workers does not remove the employers leave loading liability which will need to continue to be paid. It is unlikely the leave loading will be removed.

Eligibility for the Sick Pay Guarantee To be eligible for the Sick Pay Guarantee you must meet all these criteria: • • • • • • •

Age – be 15 years or over Type of employee – be a casual employee or self-employed with no other employees (such as a sole trader or an independent contractor) Leave entitlements – not be entitled to paid personal, sick or carer’s leave in any of your jobs Workplace – work physically in Victoria, no matter where you live Right to work – have the right to work in Australia Occupation – work in an eligible occupation (see table below) Average hours worked – on average you work at least 7.6 hours per week in an eligible occupation(s).

What you need to make a claim Occupations eligible in the first phase of the Victorian Sick Pay Guarantee are:

Job

Type of Work

Hospitality workers

Providing services to patrons of hotels, bars, cafes, restaurants, casinos and similar establishments.

Food preparation assistants

Preparing food in fast food establishments, assisting food trades workers and service staff to prepare and serve food, cleaning food preparation and service areas.

Food trades workers

Baking bread and pastry goods; preparing meat for sale; planning, organising, preparing and cooking food for dining and catering establishments.

Sales support workers

Providing assistance to retailers, wholesalers and sales staff by operating cash registers, modelling, demonstrating, selecting, buying, promoting and displaying goods.

Sales assistants

Selling goods and services directly to the public on behalf of retail and wholesale establishments.

Other labourers who work in supermarket supply chains

Including workers who fill shelves and display areas in stores and supermarkets; load and unload trucks and containers; and handle goods and freight.

Aged and disability carers

Providing general household assistance, emotional support, care and companionship for aged and disabled persons in their own homes.

Cleaners and laundry workers

Cleaning vehicles, commercial, industrial and domestic premises, construction sites and industrial machines, and clothing and other items in laundries and dry-cleaning establishments.

Security officers and guards

Providing security and investigative services to organisations and individuals, excluding armoured car escorts and private investigators.

These occupations are highly insecure and workers in these industries do not usually have access to sick and carer's pay. More than 150,000 workers are expected to be eligible in this first phase of the Victorian Sick Pay Guarantee.

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APRIL 2022 | FIND YARRA RANGES

Super and Tax Thresholds for 2022/23 Released FINANCIAL PLANNING By Warren Strybosch

Super contributions caps: Type of Contribution

Cap 22/23

Concessional Contributions

$27,500

Non-concessional Contributions

$110,000

Non-concessional Contributions – Bring Forward Option

Description Employer contributions (including SG and salary sacrifice) and personal contributions where tax deduction claimed. Personal contributions where no income tax deduction claimed – available if total super balance < $1.7 million. Available where person is under 75 at 1 July in year of contribution. This is the maximum amount over a

$330,000

General transfer balance cap

$1,700,000

Low Rate Cap

$230,000

Untaxed Plan Cap

$1,650,000

CGT Cap

$1,650,000

3 year period and is subject to total super balance.

Maximum amount that can be converted to retirement income streams where tax on earnings is zero.

Taxable component (taxed element) that can be withdrawn from super tax-free between preservation age and 60. Previously known as Post 83 “tax-free” or low rate threshold. This threshold limits the concessional tax treatment of benefits from an untaxed fund that has not been subject to contributions tax. Lifetime limit where small business CGT concessions applied.

Employment Termination Payments (ETP):

ETPs cannot be rolled over to superannuation.

The ETP cap amount for 2022/23 is $230,000. Therefore, the

Genuine Redundancy:

following rates will apply in the 2022/23 financial year: Age at 30 June

Less than preservation age

Preservation age or over

Amount

Tax Rate *

Below $230,000

30%

Above $230,000

45%

Below $230,000

15%

Above $230,000

45%

* Excluding Medicare Levy of 2% ETP Includes

ETP Excludes

Amounts for unused rostered

A payment for unused annual

days off

leave

Amounts in lieu of notice

A payment for unused long service leave

A gratuity or “golden handshake”

An employee’s invalidity payment (for permanent disability other than compensation for personal injury) Certain payments after the death of an employee Excess over tax-free portion of

The tax-free part of genuine redundancy payment or early retirement scheme for those under pension age.

The tax-free portion of a genuine redundancy or approved early retirement scheme for 2022/23 is $11,591 plus $5,797 for every completed year of service.

Superannuation Guarantee Contribution Rates: The superannuation guarantee contribution rate is legislated to increase to 10.5% from 1 July 2022. The maximum SG contributions base will be $60,220 per quarter or $240,880 per annum. Employers are not required to pay SG contributions on amounts over this threshold. Government Co-contributions: The maximum Government co-contribution amount of $500 is available where income is less than $42,016. The higher threshold above which the co-contribution will not be paid is $57,016. Low Income Super Tax Offset: The Low Income Superannuation Tax Offset income threshold is $37,000 and is not indexed. Tax on Superannuation Withdrawals (2022/23): Component

Tax Treatment

Tax-free

Tax Free

Taxable - taxed element

Under preservation: 20% plus Medicare Preservation to 59: First $230,000 tax free and balance at 15% plus Medicare 60 and over: Tax free

Taxable - untaxed element

Under preservation: First $1,650,000 at 30% plus Medicare and balance at 45% plus Medicare Preservation to 59: First $230,000 at 15% plus Medicare, $230,000 - $1,650,000 at 30% plus Medicare and balance at 45% plus Medicare 60 and over: First $1,650,000 at 15% plus Medicare and balance at 45% plus Medicare

genuine redundancy

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FIND YARRA RANGES | APRIL 2022

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SMSF: Non-arm’s length income – expenditure incurred under a non-arm’s length arrangement will attract higher taxes ACCOUNTANT By Warren Strybosch

Have you ever owned a property in your SMSF and sold it to yourself for less than market value? Are you an accountant preparing the SMSF returns and financials and not charging the SMSF accounting fees associated with doing the work? Have you lent money to your SMSF and the SMSF is paying the interest at less than commercial rates? If so, the income produced by the SMSF may be taxed at the highest marginal tax rate. The ATO Law Companion Ruling LCR/2021/2 clarifies how the amendments to section 295-550 of the Income Tax Assessment Act 1997 (ITAA 1997) operates in a scheme where the parties do not deal with each other at arm’s length and the trustee of a complying superannuation entity incurs non-arm’s length expenditure (or where expenditure is not incurred) in gaining or producing ordinary or statutory income. The amendments apply in relation to income derived in the 2018–19 income year and later income years, regardless of whether the scheme was entered into before 1 July 2018. In other words, it relates to goods or services you received, paid-for, incurred, for which you paid less or received for less than market value. If you did, then some or all of the income with in your SMSF might be taxed at the highest marginal tax rate and not the low tax component rate of 15%. Example 1 – Non-arm’s length expenditure was incurred to acquire an asset During the 2019–20 income year, Armin holds commercial property with a

market value of $800,000. During the income year, he sells the commercial property to himself acting as trustee of his self-managed superannuation fund (SMSF) for $200,000. The SMSF leases the property to a third party. For the purposes of subsection 295-550(1), the scheme involves the SMSF acquiring the commercial property from Armin for an amount that is less than its market value. There is a sufficient nexus between the non-arm’s length expenditure incurred in acquiring that property and the rental income the SMSF derives from leasing the property for the rental income to be NALI. Further, there will be a sufficient nexus between the non-arm’s length expenditure and any capital gain derived on the disposal of the property for the capital gain to be NALI. Example 2 – Non-arm’s length expenditure incurred has a nexus to all income of the fund For the 2020–21 income year, Mikasa as trustee of her SMSF engages an accounting firm, where she is a partner, to provide accounting services for the SMSF. The accounting services include services other than those relating to complying with, or managing, the SMSF’s income tax affairs and obligations. The accounting firm does not charge the SMSF for those services as a result of non-arm’s length dealings between the parties (and not as part of any discount policy referred to in paragraph 51 of this Ruling). For the purposes of subsection 295-550(1), the scheme involves the SMSF acquiring the accounting services under a non-arm’s length arrangement. The non-arm’s length expenditure (being the nil amount incurred for the services) has a sufficient nexus with all of the ordinary and statutory income derived by the

SMSF for the 2020–21 income year. As such, all of the SMSF’s income for the 2020–21 income year is NALI. Subsection 295-550(1) would cease to apply if the arrangement changes for the 2021–22 income year so that the SMSF incurs expenditure for the accounting services provided by the accounting firm of an amount that would have been expected to be incurred where the parties were acting at arm’s length. In this situation, none of the SMSF’s income for the 2021–22 income year is NALI. Example 3 – Purchase financed through a limited recourse borrowing arrangement on non-arm’s length terms During the 2018–19 income year, Kellie (as trustee of her SMSF) entered into a non-commercial LRBA with herself in her individual capacity to purchase a commercial property valued at $2 million. Her SMSF borrowed 100% of the purchase price and the terms of the loan included interest being charged at a rate of 1.5% per annum and repayments only being made on an annual basis over a 25-year period. Kellie’s SMSF received a commercial rate of rent from the property of $12,000 per month. If Kellie’s SMSF had entered into an LRBA on arm’s length terms, it would be expected that repayments of principal and interest would have occurred on a monthly basis and interest would be charged on the LRBA at a commercial rate. The loan to market value ratio would have also not exceeded commercial levels. For the purposes of subsection 295-550(1), the scheme involves the SMSF entering into the LRBA with Kellie, complying with the terms of the LRBA, purchasing the commercial property,

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and deriving the rental income. The terms of the LRBA constitute a non-arm’s length dealing between the SMSF and Kellie, which resulted in the SMSF incurring expenditure in gaining or producing rental income that was less than would otherwise be expected if those parties were dealing with each other at arm’s length in relation to the scheme.

a subsequent CGT event happening in relation to the property (such as disposal of the property) being NALI. This will be the case regardless of whether the LRBA is subsequently refinanced on arm’s length terms.

The rental income derived from the commercial property by the SMSF for all income years is therefore NALI, regardless of whether the LRBA is subsequently refinanced on arm’s length terms. The non-arm’s length expenditure incurred under the LRBA will also result in any capital gain that might arise from

It is crucial for trustees to make sure that all transactions are always performed at arm’s length. If you believe that a transaction might not have been dealt with at arm’s length, we would strongly suggest you speak to your accountant before the end of this financial year to see if there is a way to rewind the

[Source: https://www.ato.gov.au/law/ view/pdf/pbr/lcr2021-002.pdf]

transaction and record it correctly and the appropriate paperwork is in place substantiating the matter accordingly.

At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au

WARREN STRYBOSCH Find Group The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warren’s innovative approach in business means he was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria.

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn't mean they are not making waves. Meet our Power 50.

Inflation on the rise - prepare for interest rate rises By Warren Strybosch

In February the RBA indicated it could see an inflation rate up 3 ¼ % in mid 2022, though Westpac forecast an inflation rate of 5% in their 14th March forecast. With inflation on the rise, the market is now expecting interest rates to start moving also. If you have a mortgage or investment loan, it might be time to consider speaking with a mortgage broker about a fixed rate loan. We would encourage you to speak the mortgage broker supporting this community paper – you can find their details on page 2 under columnist or at the end of their article.

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Fuel tax cut to ease inflation: Treasurer Maeve Bannister

(Australian Associated Press)

Josh Frydenberg has tried to soothe concerns that spending in his fourth budget will inflame already heated inflation and bring forward an interest rate rise earlier than would otherwise be the case. While the treasurer’s pre-election budget cut deficits by about $100 billion out to 2025/26, it also spends tens of billions of dollars, including $8.6 billion in cost-ofliving measures for households. This includes a halving in the 44.2 cents a litre fuel excise for six months. “The reason why we took this step is because cost of living pressures are real, fuel prices are particularly high,” Mr Frydenberg told the National Press Club at the traditional post-budget lunch in Parliament House. He said Treasury estimates a cut in the fuel excise will reduce inflation by 0.25 per cent. Financial markets see the risk of an interest rate hike by the Reserve Bank of Australia as early as June, with economists expecting inflation to accelerate to at least five per cent compared with an already high rate of 3.5 per cent. “This budget delivers further fiscal stimulus near term and, at the margin, it adds to the pressure for the RBA to begin

policy normalisation sooner rather than later with emergency cash rate settings looking increasingly inappropriate,” RBC Capital Markets chief economist Su-Lin Ong said. The markets are pricing in a cash rate of around 0.3 per cent by June, compared with the current record low of 0.1 per cent. “It will be interesting to see how the Reserve Bank responds to this budget next Tuesday, when it meets to consider interest rates,” CPA Australia’s Jane Rennie said. The budget also provides an additional tax break for low and middle income earners and a one-off payment to pensioners and the unemployed. Committee for Economic Development of Australia chief economist Jarrod Ball said the short-term quick fixes would be welcomed by many. “But … with growing inflationary pressures and interest rate rises on the horizon, cost-of-living pressures will not dissipate any time soon and these measures do not provide a long-term solution,” he said. Labor will wave through the initiatives, at a time when real wages are going backwards. “There is a role for cost of living relief in the budget,” shadow treasurer Jim Chalmers told ABC radio. “What’s missing from the budget is a plan beyond May. This government is temperamentally incapable of seeing beyond the May election.”Still, Standard & Poor’s said the improvement in the budget bottom line has been faster than previously anticipated, underpinning

Australia’s AAA rating and stable outlook. “The outcome would have been stronger had the government not announced additional spending in the budget to ease cost-of-living pressures,” S&P said. Australia remains one of a small group of 11 countries to be rated AAA by S&P, a level it has held since 2003. Moody’s Investors Service and Fitch Ratings rank Australia similarly. Moody’s vice-president Martin Petch said the budget improvement reflected the flexibility of the Australian economy and the effectiveness of its macroeconomic policy response to the coronavirus pandemic. “This, and unexpected strength in commodity prices, have driven a solid economic recovery and lift in government revenues,” he said. But Fitch director for sovereign ratings Jeremy Zook said while the medium-term fiscal outlook has improved, the path for budget consolidation is highly reliant on forecasts of an improved economic outlook and revenue performance. “It does leave fiscal metrics and debt stabilisation vulnerable to a potential underperformance in economic growth, especially as the budget does not expect a return to fiscal balance in the next 10 years,” he said.

FREE Access to Company Information - ASIC Fees to be Removed One of the announcements in the 2022 Budget is that ASIC fees are to be removed as part of the Commonwealth’s deregulation agenda.

The following fees may be removed or reduced: • Company search fees; • Company annual review late fees; and • Lodgement fees.

From September 2023, it is anticipated that businesses will be able to access company information and pay less ASIC fees when the new business registery service goes live via the via the Australian Business Registry Services (ABRS) online digital platform.

With the introduction of the Director ID, it looks like the Commonwealth also wants to make certain director and company information is more accessible. It is not yet clear as to exactly what information will be made available to the general public, but it is likely it will include

By Warren Strybosch

information on company ownership, directorships, office addresses and financial results. The registry fee reforms are anticipated to save Australians and their businesses $64.9 million in fees over 3 years from 2023-24. The changes are part of the much broader Modernising Business Registers program to make interactions with government simpler and quicker, improve the currency and accuracy of registry information and promote transparency.

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Australian Entities and the EU General Data Protection Regulation. Should I Have Cover? GENERAL INSURANCE By Craig Anderson

Are you running an entity incorporated in Australia and dealing with clients on line who are in the EU, or clients in Australia who have EU citizenship? If you are, and you mishandle their data, you may have simultaneously breached Australian and European Regulations. To be clear, this article is not intended to offer legal advice, but to highlight you may need to examine a potential area of risk in your business further. You might find the link below useful, but in the meantime, you may be wondering where insurance fits into this conversation. https://www.oaic.gov.au/privacy/ guidance-and-advice/australianentities-and-the-eu-general-dataprotection-regulation Put simply, one of the greatest underestimated risks to any business is the theft, or hijacking, of client data;

thanks to a malware attack or hacking incident. Once this occurs, the business will likely have to self-report to the Office of the Australian Information Commissioner (OAIC), and let all of their customers know about the breach and the potential impact to those affected. At that point, it may be found that the General Data Protection Regulations (GDPR) rules have been breached as well, and fines may apply. A website which has a survey or chat function which uses cookies may also breach GDPR rules depending how the data is used or stored, and where it is used, and by whom. See link below for self-reporting of data breaches in Australia. https://www.oaic.gov.au/privacy/ notifiable-data-breaches/report-a-databreach Cyber Insurance can cover Crisis Management Costs, Notification and Breach Response Expenses, Defence Costs, Fines and Penalties (where

insurable under the law), Multimedia Liability, Loss of Business Income and potentially Cyber Extortion Money in some circumstances. A cyber-consultant risk. Given the frequency and severity of cyber events, a cyber-policy is a must for businesses, and can be an effective last line of defence against massive cyber related financial losses. For a health check of your business insurance, contact Small Business Insurance Brokers via email at sales@ smallbusinessinsurancebrokers.com.au, or call 0418 300 096 Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au 0418 300 096

COVID Grants – Now Approvedas Tax-free Income By Warren Strybosch

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2022 TA

Temporary full expensing of depreciating assets

The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used or installed ready for use between 7:30pm AEDT 6 October 2020 and 30 June 2023. This final date of temporary full expensing was extended by 12 months from a 2021 Federal Budget announcement and is now law. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Certain large entities

Announcement(6-Oct-2020) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022)

will have separate eligibility criteria. Since the original legislation was enacted, further amendments have

Royal Assent

been made to the laws to allow businesses a choice in using full expensing or not. In certain situations, it

Date of effect(6-Oct-2020)

may be beneficial to spread out tax deductions over multiple years. However, no such option exists for small business entities using pooling for depreciation as the entire balance will be written off each year full expensing applies.

Superannuation guarantee exclusion for low-income workers removed The low-income earners’ exemption for employers calculating their superannuation guarantee shortfall will be removed from 1 July 2022. The low-income earners’ exemption states that an employer is not required to pay superannuation guarantee where their employee earns less than $450 in a calendar month. The change that is occurring is a repeal of the subsection of the legislation which provides the employer’s exemption from superannuation guarantee liability. The repeal will not be in place until 1 July 2022. Where

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021) Passed(10-Feb-2022)

a client of yours contracts out their payroll function to a third-party provider, best practice is to ensure a

Royal Assent(22-Feb-2022)

relevant update to the system is completed. This may involve contacting the third party or completing a “dry

Date of effect(1-Jul-2022)

run” prior to making any payments.

Downsizer contributions to superannuation Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older has been able to make a contribution up to $300,000 from the proceeds of selling their main residence. A legislative amendment originally from the 2021 Federal Budget will reduce the age limit from 65 to 60 from 1 July 2022.To be eligible to make a downsizer contribution, an individual must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed. Downsizer contributions are in addition to existing rules and caps and are exempt from the:

nouncement(10-May-2017) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022) Royal Assent(22-Feb-2022) Date of effect(1-Jul-2018)

•

age test

•

work test, and

•

$1.6 million total superannuation balance test

for making non-concessional contributions.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of prior year income tax paid, but is only available for recent income years. The loss carry-back is available to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the

Announcement(6-Oct-2020) Consultation(6-Oct-2020) Introduced(7-Oct-2020) Passed(9-Oct-2020)

balance of the franking account. The loss carry-back tax offset has been extended by 12 months to include

Royal Assent(14-Oct-2020)

losses in the 2022–23 income year. The amendment is now as the legislation has been given royal assent.

Date of effect(1-Jul-2021)

AX UPDATES Partial abolition of the superannuation work test

The work test for making non-concessional or salary sacrifice superannuation contributions will be removed from 1 July 2022. Prior to the change, super fund members over the age of 65 are required to work at least 40

Announcement(11-May-2021)

hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for

Consultation

non-concessional contributions (including the bring forward rule) will allow members to contribute more to

Introduced(27-Oct-2021)

super throughout their lifetime, subject to meeting other requirements. However, it should be noted that the

Passed(10-Feb-2022)

work test for individuals between 67 and 74 years will continue to apply for personal deductible contributions.

Royal Assent(22-Feb-2022) Date of effect(1-Jul-2022

However, an individual may be entitled to a ‘one-off’ work test exemption in limited circumstances (see event ‘Work test exemption for low balance retirees’).

First home super saver scheme maximum set to increase The maximum amount of contributions that can be released from superannuation under the first home super saver (FHSS) scheme will increase from $30,000 to $50,000. The increase will apply to withdrawal requests from 1 July 2022 as amending legislation has now passed and been given royal assent. Individuals can withdraw funds out of their superannuation account to be used for a first home deposit. The scheme began on 1 July 2017, with voluntary contributions up to $15,000 per year able to be used for an FHSS scheme withdrawal. The withdrawal also includes deemed earnings on the voluntary contributions. The scheme is

Announcement(10-May-2017) Consultation(4-Aug-2017) Introduced(27-Oct-2021)

intended to provide an incentive to enable first home buyers to build savings faster for a home deposit, by

Passed(10-Feb-2022)

accessing the tax advantages of superannuation. The scheme also is available for non-first home buyers

Royal Assent(22-Feb-2022)

in limited circumstances. Other administrative changes from the amending legislation include allowing

Date of effect(1-Jul-2018)

individuals to withdraw or amend their application for release prior to receiving payment. Individuals who withdraw or amend an application will not lose their ability to re-apply for a FHSS release in future. These administrative changes will apply retrospectively from 1 July 2018.

Employee share scheme tax and regulatory changes New legislation will remove ‘cessation of employment’ as a deferred taxation point on employee share schemes (ESS) from 1 July 2022. Further regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall, combining both the new legislation and regulations for ESS participants and businesses may change traditional structuring of

Announcement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021) Passed(10-Feb-2022)

arrangements. Further, it will allow greater flexibility and clarity for businesses to make ESS offers to participants

Royal Assent(22-Feb-2022)

in the future. These updates will commence for ESS interests entered into on or after 1 July 2022.

Date of effect(1-Jul-2022)

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT.

Announcement(8-May-2021)

Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery

Consultation(12-Jan-2022)

action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Introduced(17-Feb-2022)

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the AAT would be empowered to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Passed Royal Assent Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) The NSW Government has introduced a financial assistance package for small and medium-sized businesses under pressure in early 2022 as a result of COVID-19. Specifically, eligibility for the Small Business Support Program will be based on turnover levels in January 2022 or the first fortnight of February 2022. The program

Announced: 30-Jan-2022

is similar in nature to the JobSaver program available to businesses in NSW during 2021. Businesses will

Updated: 25-Feb-2022

receive payments based on their level of payroll if they have experienced a minimum decline in turnover. Applications need to be made through Service NSW and close 31 March 2022.

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State Funding to Assist Upper Yarra Community in Timber Transition Council is pleased by the State Government’s announcement of up to $500,000 in grant funding to support the Upper Yarra communities affected by the timber industry’s transition out of Victorian public forests. The grant is part of the State Government’s Local Development Strategy grant program. In 2019, the State Government announced a plan to phase out native forest harvesting in Victorian public forests by 2030, with $200 million pledged to help support the transition of workers,

“With over a 100-year history, this transition is profound and will affect families in the Upper Yarra who have ties with the timber industry, some of which go back four or five generations,” Cr Child said. “Council’s role and focus is to support the community through this transition as best we can. “The funding will provide for the establishment of a volunteer committee, made up of members from Powelltown, Yarra Junction and Warburton to assist in developing a strategy moving forward.

communities and businesses affected by the move over the coming years.

“This committee will essentially lead this initiative and generate ideas to provide jobs and great outcomes for the Upper Yarra community.

The funding will enable the development of a strategy with Powelltown, Yarra Junction and Warburton communities to support them through the transition, create jobs and lead to long-term economic and social benefits for the towns impacted.

“The funding also supports the appointment of a Project Manager and administration resources to oversee the project, run studies and comprehensive engagement with the communities throughout the development of the strategy.”

Yarra Ranges Mayor, Cr Jim Child, said that it was important to recognise the substantial history that the timber industry has in the Upper Yarra.

Council will continue to keep the community updated with next steps as part of the transition.

Environmental Upgrade Agreements providing solar for businesses The Yarra Valley Estate is a proudly sustainable corporate and wedding venue. With its warm, inviting atmosphere – and boasting the only edible forest in Victoria – it’s a leading conference and event venue in the Yarra Valley. Co-owners John and Louise Ward are committed to running as sustainable a business as they can. Most of their waste products are recycled – either fed to their worm farm and chickens, turned into compost or taken to external processing sites. It means they were recently able to downgrade their rubbish dumpster to a two-square-metre bin, which only needs to be emptied once every two or three months.

They’ve also turned their attentions to the Estate’s electricity usage, creating a culture where guests take what they need, and nothing more. Louise said it’s important that guests don’t leave the lights or heating on when they’re not in use, just because someone else is footing the bill.

“It’s something we’ve always looked at,” Louise said.

“At the end of the day, we’re all paying the price of where the electricity comes from. Instead, everything is planned, and most of the guests find it very refreshing. I think in this venue, we’re able to change people’s ideas and ways of thinking about their actions.”

With sustainability at the heart of the business, it made sense that only equally environmentally-conscious partners could help the Wards realise their solar panel dreams.

But the Wards still felt that something was missing; a set of solar panels would be the cherry on top for their woodland getaway.

“Previously we were told that we didn’t get enough sunlight, and that it wouldn’t work. But now, as technology’s advancing, it’s a lot better, and we decided it was the right time to get the solar on.”

“The Sustainable Australia Fund are an ethical company who do good work, and we thought we could align very well with that,” Louise said.

Council News “Furthermore, the current COVID-19 tax benefits in place from the Australian Taxation Office can further reduce this payback to as low as, in some cases, two years. "And of course, the biggest beneficiaries are the environment and future generations - what a win-win.” Louise said she and John can now use the solar panels to prove that their business is doing everything it possibly can to function sustainably. They’re also planning to extend their journey towards renewable energy, by using their premises as a testing site for hydrogen power.

“We’ve also been through COVID, and the interrupted cashflow has been hard for everyone. But working with the Fund was great because someone was helping us pay the bills for something we really wanted to have on the property.” The Wards chose to access Environmental Upgrade Finance through the Sustainable Australia Fund, which was enabled by Yarra Ranges Council. The loan was used to install a 39.78kW solar system on the roof of the Estate’s conference centre.

The Wards also partnered with Mount Evelyn-based solar installers, iEnergytech. Installer Udayan Bhanot, who worked on the project, emphasised the inherent cost-effectiveness of switching to solar energy – even in a coastal state like Victoria. “Given the current cost of electricity, and the sunshine that Australia enjoys, the payback for a solar system can be as low as four to five years,” he said.

Louise had this advice to offer any businesses considering making the switch to renewable energy: “Everyone needs to do their best now. We need to do everything we can to leave this planet behind for the next generation, and not just waste. Don’t think that you can’t do it; there’s always a way to make it happen, and there are a lot of resources you can tap into.” Find out more about Council's work to help businesses with sustainability

“Working with the Sustainable Australia Fund made it a lot more affordable, and I’m looking forward to seeing how much it will reduce our power,” Louise said. Thanks to their new solar system, the Estate is projected to save 59.73 tonnes of CO2 a year – the equivalent of taking 13 cars off the road – and a whopping 1,493 tonnes over the life of the project – the same as culling 180 homes worth of annual energy usage. This translates to a predicted saving of $9,724 savings a year, or $243,110 over the life of the project. Councillor for Ryrie Ward, Fiona McAllister, said these savings are a “phenomenal result”. “I’m proud to see Yarra Valley Estate take a significant step to reduce their carbon footprint and enjoy the flow-on effect of lower power costs,” she said.

Yarra Ranges Council's Sustainability Officer, Julian Guess, with Louise and John Ward and General Manager, Michael Classon, at Yarra Valley Estate.

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Chirnside Park Shopping Centre has been servicing the community in outer eastern Melbourne since 1979. We offer our customers an extensive selection of stores, with a strong focus on convenient and value driven fresh food. TERMS OF USE Welcome to Chirnside Park Shopping Centre’s Facebook Page – a great space for sharing with you information about Chirnside Park Shopping Centre and its retailers, and all the great things we have to offer. It’s also a space where we welcome comments, discussions, ideas and feedback from you. We’d love to hear what’s on your mind and to ensure this is an enjoyable place for all, ask that your contributions be made in a constructive, respectful and polite manner. Posts or other content that is trolling, defamatory, a personal attack, threatening, harassing, harmful, abusive, discriminatory, unlawful, offensive, obscene, misleading or deceptive, fraudulent, spam, or any content that may breach intellectual property rights of another is not permitted.

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DEALS THAT WILL QUOKK YOUR SOCKS OFF! Take a wander out yonder and get a Quokka WA. Maybe you want to visit the pristine sands of Cable Beach or head off on a 16-day road trip adventure? Food and wine lovers can stay in Perth and visit the Swan Valley or take in the tastes of the Margaret River Region on a winery tour and tasting. We have deals that will quokk your socks off – book now!

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We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live.

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This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367.

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APRIL 2022 | FIND YARRA RANGES

Find Retirement with ease and enjoy it. RETIREMENT By Warren Strybosch

Step 1: Start thinking about retirement regardless of your age I don’t know what the magic number is for retirement. In the past it used to be age 65 which fell in line with when you could apply for the Age Pension. Now that the Age Pension has increased to age 67, we are starting to see a shift and pre-retirees are starting to talk about age 67 as the new magic number. There are still some self-funded retirees who like the idea of retiring at age 65 or even soon, given they won’t qualify for the Age Pension, but for most others, the trend is moving upwards in age and retiring later. Regardless of the age, we encourage everyone over the age of 55 to start thinking about their pending retirement and to consider taking ‘mini-retirements’ now rather than waiting until fully retired. I will speak more about ‘mini-retirements’ in the next edition. Ideally, we want our clients to consider retirement even earlier than age 55 but as we all know, with the pressures of a mortgage, kids, school fees, and so on, it is hard for most people to give retirement any thought until their later years. When we say consider it, we mean to start planning for it. The sooner you start putting a strategy in place, the better off you will financially be in retirement. Regardless of your age, it is important to give retirement some consideration for the simple fact that superannuation is now capped. What do I mean by capped? The government changed the laws in 2009 to reduce the amount someone could contribute into superannuation in a given year. Currently the two main caps are the Concessional Cap (CC) of $27, 500 and the Non-Concessional Cap (NCC) of $110,000. Now that there are restrictions placed on how much can be placed into super each year, everyone needs to consider what amount above the Superannuation Guarantee Contribution (SGC), currently 10%, should be placed into superannuation, at least up to the $27,500. There are other caps but for now we are concentrating on the two most common ones. The benefit of placing additional funds into super, especially when interest rates are low, is that for every additional $1000

Social Security rates increase Social Security pension and allowance rates increased on 20 March 2022 as a result of indexation. The following tables summarise the latest rates and cut-off thresholds for pension payments (eg Age Pension, Service Pension, Disability Support Pension, Carer Payment). Per Fortnight

Per Year

Single

$987.60

$25,677.60

Couple (combined)

$1,488.80

$38,708.80

Full Pension

Part Pension

Single-homeowner

$270,500

$599,750

Single-non-homeowner

$487,000

$816,250

Couple-homeowner

$405,000

$901,500

Couple-non-homeowner

$621,500

$1,118,000

Full Pension

Part Pension

Single

$180.00 pf

$2,155.20

Couple (combined)

$320.00 pf

$3,297.60

Asset Test thresholds:

Income Test thresholds:

you place into Super up to the CC, assuming you earn more than $45,000, is that you are saving yourself approximately 17.5% or more in tax (marginal tax rate of 32.5% less 15% tax in super = 17.5%). That is a 17.5% return without having to think about it. Then that 17.5% return is going to be working for you and is likely to return more than your current loan interest each year. I tend to look at this way. If I can get a return that is at least three times better than the current interest rate I am paying on my home loan, and with the large initial return of 17.5% (that tax savings in the first year), I may consider placing more funds into super rather than placing more money onto my mortgage. With interest rates being so low, I like the idea of placing more funds into super but as interest rates rise, I will have to reconsider this approach. Even if you do have a mortgage but you’re earning a bucket load of money and want to reduce tax, the first thing you should be doing, before anything else, is making sure you are maxing out your CCs.

you are building up. I will talk about personal insurances in a future edition – and I don’t mean just take out default cover in an industry fund. That type of advice is out of date and will likely you cost you more over the long term. What is interesting, is that anyone young, who starts to implement the above, will have a considerable amount in retirement that they might not need to have to do anything else. Starting early is the key. The sooner you start the better your superannuation balance will be. When the simple things have been done then we can discuss other ways to make money and save on tax. There are plenty of options but as you will learn, they come with a lot more risk. In my next edition we will talk about spending plans, future goals, and minretirements. This information is current as at April 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any

I often tell my clients to keep things as simple as possible. Do the simple, less risky things first, before venturing into higher risk or larger debt investments. The two simple things anyone can do is a) max out their CC for themselves and if they have a partner, do the same for them, and b) make sure you have enough personal insurances in place to protect you, your family, and the assets

error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Warren Strybosch You can call them on 1300 88 38 30 or email info@findretirement.com.au www.findretirement.com.au APRIL 2022 | FIND YARRA RANGES

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HELPING TO PROTECT YOU AND YOUR FAMILY At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford.

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When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read

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Australia’s Trusted Height Safety Insurance Brokers Height Safety Insurance Brokers Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing.

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INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

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INDEX PROFESSIONAL SERVICES • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00

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139 x 96 mm - 1/4 Page Portrait

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INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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