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Disruption is everywhere and affects all aspects of modern life. Industries are being transformed as small, nimble start-ups with superior technology and innovative products displaced by large established companies that have dominated their sectors for decades. Find out why as investors you should care.

As of 1/1/2020 under new legislation, clients with multiple employers who expect to have excess concessional contributions due to compulsory superannuation guarantee, are able to apply to the ATO to opt out of receiving superannuation guarantee from an employer. Follow the link to find out more and see your options.  

Welcome to Hayes Girling Financial's last newsletter for 2020. 

Here's a recap of what we have been up to over the past year. 

When it comes to getting professional advice on money matters, should you be looking for an accountant or financial planner? Find out how they’re different and what services each one offers to help you manage your finances.

Do you know the difference between a contractor and an employee?

The line between employee and contractor are increasingly becoming blurred in the eyes of the ATO.
Just because someone has an ABN no longer means you are automatically off the hook for tax and super obligations.

Do you know the difference between a binding and non-lapsing super death benefit nomination? Do you have a nomination in place for your super? Take a look at how they work and why it's a good idea to have one. 

If you’re starting to plan for your retirement, you might have questions about what you can do with your super, and when. This article by BT will answer two of the common questions they get asked. 

According to a recent survey by Yellow, almost half of Australian small business owners feel stressed or anxious about work daily, yet most don’t seek help.

Welcome to Hayes Girling Financial's Spring Newsletter! 

Here's a recap of what we have been up to over the last few months. 

In support for R U OK? Day, we thought we would share this article that explores how financial stress can impact our mental health, and what we can do to feel more positive about our lives and finances.

Everyone’s spending habits differ, just like everyone’s salary differs. Learning how to spend in line with your salary whilst battling a range of competing expenses and trying not to compromise on your savings can be a difficult skill to master.

Accountants can help out at various stages during the growth of your business. They can handle much more than just your payroll and tax returns. So when should you consider hiring an accountant for your small business?