[ { "post_id": "159", "post_category_id": "9", "post_title": "4 Financial Decisions Every Doctor Should Make Before June 30", "post_content_short": "EOFY is not just about lodging tax returns. For doctors earning through an ABN, company, or mixed income arrangement, June 30 is the point\nwhere tax, super, structure, and deductions all need review. Here are four financial decisions worth getting right before the new financial\nyear starts.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/159\/20260331-End-of-Financial-Year.png", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/4-financial-decisions-every-doctor-should-make-before-june-30\/", "post_date": "2026-03-31 04:32:00" }, { "post_id": "158", "post_category_id": "9", "post_title": "The RBA Has Hiked Again. Here Is What It Means for Doctors.", "post_content_short": "The RBA has hiked again, with a further increase likely before year-end. For doctors navigating property purchases, practice decisions or\nstructural reviews, the implications go beyond the headline rate. Here is what the current environment means for borrowing capacity,\npractice buy-in timing, and tax structure.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/158\/Interest-rate.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/the-rba-has-hiked-again-here-is-what-it-means-for-doctors\/", "post_date": "2026-03-17 04:26:00" }, { "post_id": "157", "post_category_id": "9", "post_title": "Why Minimising Tax Can Quietly Kill Your Borrowing Capacity", "post_content_short": "High-earning medical contractors in Australia are often unknowingly trading borrowing capacity for tax savings. Here is why that conflict\nexists and what integrated advice looks like when both are addressed together.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/157\/20260225-tax-vs-borrowing.png", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/why-minimising-tax-can-quietly-kill-your-borrowing-capacity\/", "post_date": "2026-02-24 23:57:00" }, { "post_id": "156", "post_category_id": "9", "post_title": "When Assumptions Meet Reality in Practice Purchases", "post_content_short": "A reflection on why some practice purchases struggle after settlement, not due to poor advice, but because assumptions, timing, and cashflow\ndon’t always align in the real world.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/156\/20260121-Boardroom.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/when-assumptions-meet-reality-in-practice-purchases\/", "post_date": "2026-01-21 08:17:28" }, { "post_id": "155", "post_category_id": "15", "post_title": "APRA Introduces Debt-to-Income Limits. What Doctors Need to Know", "post_content_short": "APRA has announced its first formal debt-to-income (DTI) limit<\/strong>, marking a significant shift in how banks assess and manage\nmortgage risk. While this applies to all borrowers, the implications for medical professionals<\/strong>—especially IMGs, registrars, GPs and practice owners—are distinct and worth understanding early.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/155\/20251211.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/property-investment-and-lending\/apra-introduces-first-ever-debt-to-income-limits-what-doctors-need-to-know\/", "post_date": "2025-12-11 04:21:55" }, { "post_id": "149", "post_category_id": "9", "post_title": "The CGT Retirement Exemption Concession: A Major Advantage for Small Business Owners", "post_content_short": "If you’re running a small business<\/strong> and decide to sell it – or dispose of some of its assets – the Capital Gains Tax\n\t(CGT) retirement exemption<\/strong>\n\tcan be a game-changer. This concession can significantly reduce, or even eliminate, the tax payable on the capital gain.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/149\/20250930.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/the-cgt-retirement-exemption-concession-a-major-advantage-for-small-business-owners\/", "post_date": "2025-09-29 23:30:00" }, { "post_id": "150", "post_category_id": "14", "post_title": "Helping Your Kids Buy Their First Home Using Super", "post_content_short": "If you’re looking for ways to give your children a boost in saving for their first home<\/strong>, the First Home Super Saver\n\tScheme (FHSSS)<\/strong>\n\tis a smart option to consider. It’s a tax-effective strategy<\/strong> that allows young people to grow their deposit faster,\n\tprovided they meet the eligibility criteria and have never owned property before.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/150\/20250916.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/helping-your-kids-buy-their-first-home-using-super\/", "post_date": "2025-09-26 23:30:00" }, { "post_id": "154", "post_category_id": "15", "post_title": "Using Super to Invest in Property – How SMSF Borrowing Works", "post_content_short": "If you’re considering using your self-managed super fund (SMSF) to buy property<\/strong>, you’ll need the right structure in place.\n\tOne of the main ways to do this is through a Limited Recourse Borrowing Arrangement (LRBA)<\/strong>.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/154\/20250923.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/using-super-to-invest-in-property-how-smsf-borrowing-works\/", "post_date": "2025-09-23 14:00:00" }, { "post_id": "151", "post_category_id": "9", "post_title": "Tax on Redundancy Payments Explained", "post_content_short": "Being made redundant often comes with a lump sum payout<\/strong>. While this can provide valuable financial support, it’s important\n\tto understand how the payment is taxed. Not all components are taxed the same way, and the tax treatment can significantly affect how much\n\tyou actually take home.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/151\/20250920.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/tax-on-redundancy-payments-explained\/", "post_date": "2025-09-19 23:30:00" }, { "post_id": "152", "post_category_id": "9", "post_title": "Car Expense Claims for Electric Vehicles", "post_content_short": "Claiming car expenses for electric vehicles (EVs)<\/strong> can be more complicated than for petrol cars – especially when using the logbook\n\tmethod<\/strong>.\n\tWhile fuel receipts are straightforward for petrol cars, calculating electricity usage for EVs requires more careful record-keeping and\n\tATO-approved methods.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/152\/20250914.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/car-expense-claims-for-electric-vehicles\/", "post_date": "2025-09-15 23:30:00" }, { "post_id": "146", "post_category_id": "15", "post_title": "Using Home Equity to Build Wealth Without the Costly Mistakes", "post_content_short": "Most Australians who’ve owned their home for 3+ years have built significant equity.
\n\tThe big question is: are you putting it to work, or letting opportunity slip away?\n\n

\n\tIn our latest blog, I share common mistakes to avoid when leveraging equity for investing — and we’ve also included a 7-Step\n\tChecklist<\/strong>\n\tyou can use straight away.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/146\/Brisbane.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/property-investment-and-lending\/using-home-equity-to-build-wealth-without-the-costly-mistakes\/", "post_date": "2025-09-11 14:00:00" }, { "post_id": "153", "post_category_id": "12", "post_title": "SMSFs Hit $1 Trillion – What the Latest ATO Statistics Mean for You", "post_content_short": "Australia’s passion for self-managed super funds (SMSFs)<\/strong> is stronger than ever. According to the ATO’s June 2025\n\tquarterly statistical report<\/strong>,\n\tSMSFs have officially surpassed the $1 trillion mark in assets<\/strong>, cementing their place as a key driver of retirement wealth.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/153\/20250905.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/smsfs-hit-1-trillion-what-the-latest-ato-statistics-mean-for-you\/", "post_date": "2025-09-07 23:30:00" }, { "post_id": "148", "post_category_id": "9", "post_title": "Family Trusts: Benefits and Disadvantages You Need to Know", "post_content_short": "Family trusts are often praised for their tax and asset protection benefits<\/strong>. One of the biggest attractions is the ability\n\tto split income among family members<\/strong>, helping reduce the overall tax burden compared to when one person earns all the\n\tincome or when the trust itself is taxed.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/148\/20251003.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/financial-planning\/family-trusts-benefits-and-disadvantages-you-need-to-know\/", "post_date": "2025-09-04 23:30:00" }, { "post_id": "147", "post_category_id": "12", "post_title": "Protecting Your Super from Scams", "post_content_short": "With over $4 trillion in superannuation savings<\/strong>, it’s no surprise that scammers see super as an easy target. The Australian\n\tSecurities and Investments Commission (ASIC) has issued warnings about the growing number of high-pressure sales tactics and\n\tmisleading promises<\/strong>\n\tdesigned to trick Australians into risky superannuation switches. Since your super is likely to be one of your largest lifetime investments,\n\tknowing how to protect it is essential.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/147\/20251002.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/protecting-your-super-from-scams\/", "post_date": "2025-08-31 23:30:00" }, { "post_id": "145", "post_category_id": "12", "post_title": "What to Do If You Exceed Your Super Contribution Caps in Australia", "post_content_short": "Superannuation<\/strong> is one of the most tax-effective ways to save for retirement. But the government sets strict annual limits,\n\tcalled contribution caps<\/strong>, on how much you can add to your super. If you go over these caps, you may face extra tax.\n\n

Here’s what happens, your options, and how to avoid breaching the limits.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/145\/20250831.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/what-to-do-if-you-exceed-your-super-contribution-caps-in-australia\/", "post_date": "2025-08-31 04:45:00" }, { "post_id": "144", "post_category_id": "13", "post_title": "What Happens If You Die Without a Will in Australia?", "post_content_short": "When someone passes away without a valid will<\/strong>, this is called intestacy<\/strong>. In this situation, each\n\tAustralian state and territory has its own rules that determine how the estate is divided. While these intestacy laws provide a safety net,\n\tthe outcome may not reflect what you would have wanted for your family.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/144\/2050828.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/estate-planning-and-protection\/what-happens-if-you-die-without-a-will-in-australia\/", "post_date": "2025-08-27 14:00:00" }, { "post_id": "143", "post_category_id": "9", "post_title": "Economic Roundtable", "post_content_short": "Last month’s economics and productivity roundtable<\/strong> wrapped up with the government making it clear that it remains firmly in\n\tcharge of the nation’s tax policy direction<\/strong>. While plenty of ideas were discussed, very few immediate changes are set to be\n\tintroduced.\n\n

\n\tAside from ongoing talks with the States about a road user charge for electric vehicles<\/strong>, the only confirmed measures remain\n\tthe two small personal income tax cuts<\/strong> promised at the May election and the 15% tax on large superannuation\n\tbalances<\/strong>.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/143\/20250825.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/economic-roundtable\/", "post_date": "2025-08-24 14:00:00" }, { "post_id": "142", "post_category_id": "15", "post_title": "CGT and Off-the-Plan Property Purchases", "post_content_short": "Buying a property off the plan<\/strong> can be an attractive option, but it comes with unique capital gains tax (CGT)\n\timplications<\/strong>.\n\tBecause settlement may take place months—or even years—after signing the initial contract, it’s important to understand how CGT rules apply.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/142\/20250821.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/property-investment-and-lending\/cgt-and-off-the-plan-property-purchases\/", "post_date": "2025-08-20 14:00:00" }, { "post_id": "141", "post_category_id": "9", "post_title": "Deductibility of Self-Education Expenses", "post_content_short": "Many Australians pay out of pocket for courses and study programs to improve their skills, advance their careers, and boost their income.\n\tWhile this is a great investment in your future, it raises an important question: are self-education expenses tax-deductible?<\/strong>\n\nThe rules can be complex, and the ATO applies a strict test. Let’s break down when you can (and can’t) claim a deduction for self-education\nexpenses.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/141\/20250817.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/deductibility-of-self-education-expenses\/", "post_date": "2025-08-17 02:00:00" }, { "post_id": "140", "post_category_id": "12", "post_title": "Claiming a Deduction on Super Contributions: A Guide for Ages 67–75", "post_content_short": "If you’re aged between 67 and 75<\/strong> and want to claim a tax deduction for personal super contributions<\/strong>,\n\tspecial rules apply. You’ll need to meet the work test<\/strong> (or in some cases, the one-off work test exemption). Understanding\n\tthese requirements is essential to maximise your retirement savings and stay compliant with ATO rules.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/140\/20250812.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/claiming-a-deduction-on-super-contributions-a-guide-for-ages-67-75\/", "post_date": "2025-08-11 23:00:00" }, { "post_id": "139", "post_category_id": "14", "post_title": "When Should You Cancel Insurance Inside Your Super?", "post_content_short": "Many Australians hold life insurance and disability cover inside their superannuation fund<\/strong>. It’s a simple and\n\tcost-effective way to get protection, but as retirement approaches, many people start to question whether it’s worth keeping.\n\n

\n\tThere’s no universal answer. Whether you should keep or cancel insurance in super depends on your stage of life, financial situation, and\n\tfamily needs. Here are the key things to consider before making changes.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/139\/20250808.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/when-should-you-cancel-insurance-inside-your-super\/", "post_date": "2025-08-07 14:00:00" }, { "post_id": "138", "post_category_id": "14", "post_title": "Stuck in the Middle: How the Sandwich Generation in Australia Can Cope Financially", "post_content_short": "Feeling stuck in the middle? You're not alone.<\/em>
\n\tSupporting both ageing parents and grown-up kids? Here's how to protect your finances without burning out.
\n\tMore Australians are joining the sandwich generation<\/em> — juggling care for elderly parents while still supporting children, often\n\twell into adulthood. It’s emotionally draining and financially challenging, especially if you’re trying to keep your retirement plans on\n\ttrack.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/138\/sandwich.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/financial-planning\/stuck-in-the-middle-how-the-sandwich-generation-in-australia-can-cope-financially\/", "post_date": "2025-08-03 14:00:00" }, { "post_id": "137", "post_category_id": "9", "post_title": "Can You Claim a Tax Deduction for Work Clothes? Here’s What the ATO Says", "post_content_short": "Can you claim work clothes on tax? Here's what actually counts.<\/em>\n

From steel-capped boots to business suits — what's deductible and what’s not might surprise you.\n

\n\tIn this article, we break down what you can claim, what you can’t, and how to avoid the common traps — especially if you're buying uniforms,\n\tprotective gear, or laundry expenses.\n", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/137\/Clothing.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/tax-and-structuring\/can-you-claim-a-tax-deduction-for-work-clothes-heres-what-the-ato-says\/", "post_date": "2025-07-24 14:00:00" }, { "post_id": "136", "post_category_id": "12", "post_title": "Thinking About an SMSF? Here’s What You Should Know First", "post_content_short": "Thinking about an SMSF? Here's what most people get wrong. Control, flexibility, direct property... SMSFs sound like the ideal setup — but\n\tthey’re not for everyone.\n\n

If you’ve been wondering whether an SMSF is right for you, we’ve broken down the key things to consider. ", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/136\/SMSF.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/superannuation-and-smsf\/thinking-about-an-smsf-heres-what-you-should-know-first\/", "post_date": "2025-07-22 14:00:00" }, { "post_id": "135", "post_category_id": "13", "post_title": "The Great Wealth Transfer: Are You Prepared?", "post_content_short": "Australia is set for a massive intergenerational wealth transfer, with trillions at stake. If you're inheriting or planning your legacy,\nunderstanding the tax implications is crucial. Learn how to protect your wealth and avoid common tax pitfalls—contact us today for expert\nadvice.", "post_icon": "https:\/\/www.verityadvisory.com.au\/media\/website_posts\/135\/Inheritance.png", "post_content_type": "page", "post_content_url": "https:\/\/www.verityadvisory.com.au\/insights\/estate-planning-and-protection\/the-great-wealth-transfer-are-you-prepared\/", "post_date": "2025-07-21 14:00:00" } ]