Get in early with your 2017 tax returns
At Crispin & Jeffery we are committed to providing you and your business with an outstanding taxation service to help you lodge your tax returns on time and with ease.
CLICK HERE for more information on how we can assist with your:
- Personal and Business Tax Returns
- Financial needs through our additional complementary services, C&J Financial Services and C&J Mortgage Solutions and our
- 2017 Tax Return Checklist and our 2017 Schedule of Fees
2017 Tax Planning
The end of financial year can be a busy time, with the budget announcement in early May as well as planning for 30 June. For a breakdown of several key budget changes that may affect you, as well as some key tax planning strategies
CLICK HERE
As always, at C&J we are happy to discuss any concerns regarding your financial affairs, so feel free to call us on
02 9908 4744 to discuss your 2017 tax planning.
After months of uncertainty, consultations and amendments, the superannuation reforms announced in the 2016 Budget have finally received Royal Assent, and therefore will take effect from 1 July 2017. The most significant change comes to your ability to contribute up to $540K before 30 June 2017 if you are under 65. Therefore, we recommend you click on the link below for more details on the reforms and how they may affect you.
To LEARN MORE about the Important Changes to Superannuation Rules & the latest Superannuation Windows of Opportunity that expire on 30 June 2017, we will be holding Superannuation Sessions in early February 2017.
Post US Election Webinar
For those of you who missed Crispin & Jeffery's first webinar session, an informative and interesting discussion on market and investment outlooks post the US election, click on the video link below!
We would like to thank our partners at Prime Financial Group for hosting the event, in particular Prime's Chief Investment Officer, Jonathan Bayes, for his time and insights!
There are significant legislative reforms which took effect from 1 July 2016, and impact on our ability to advise you with regard to your SMSF. If you have ever started a pension, made contributions or rolled funds into your SMSF these changes affect you, and the way we are able to work with you in the future.
For more information on the changes to the legislation and how we are able to advise you in future, please click on the link below:
If you would like to arrange a meeting to discuss the impact of these changes with myself or Brent Quinn, C&J Financial Services’ private client adviser, please click here.
Crispin & Jeffery is committed to providing you with a holistic service that caters for all your financial needs.
To learn more about the outstanding wealth management division of the firm, C&J Financial Services, and the full complement of services offered by Crispin & Jeffery have a read of our latest newsletter by clicking on the link below:
As always, feel free to contact us on 02 9908 4744 or staff@cjeffery.com.au to arrange a complimentary meeting with one of our private advisers, Brent Quinn or Ben Travers.
C&J Mortgage Solutions
Crispin & Jeffery Mortgage Solutions - Investment loans 2 years fixed at 3.88%
Clients with existing investment property loans will have seen a sharp rise in borrowing costs over the past 12 months.
The borrowing landscape is constantly changing, but at the moment there are the following opportunities to make significant savings with your investment loan:
- 2 year fixed rates of 3.88% for pure investment loans (P&I repayments, plus $1,250 refinance bonus for borrowers switching from another lender);
- Investment purpose, interest only variable rates of 4.19% and Principle and Interest (P&I) repayments of 3.84% (offer to close 31 July);
- Principle and interest variable investment/business purpose borrowing secured by family home at 3.79% (P&I repayments)
Also, for new home buyers, NAB is offering the rate of 3.69% fixed for two years (P&I).
Please call Jonathon, Mark, Bill or Adam Magro (our mortgage broker) to discuss your existing loans or future plans.
Mark, Bill, Jonathon: 02 9908 4744
Adam Magro: 0415 315 824
Client Warning: Watch out for scammers
The ATO is warning everyone to be on alert for scammers who are experimenting with new techniques.
There has been an extensive rise in phone scams in particular, with callers requesting personal information, money to be handed over, and threatening arrest for failure to do so.
The ATO has confirmed in recent reports that they will never cold call you about a debt, would never threaten gaol or arrest, and staff would not behave in an aggressive manner.
Please call the ATO on 1800 008 540 if you believe a scam attempt has been made to you. You can also contact your C&J adviser if you are uncertain about any alleged emails or calls from the ATO.
For more information on ATO Scams, please click on this link, which takes you to the ATO’s website: How to verify or report an ATO scam
Budget 2016 - How will it affect you ?
The Australian Federal Budget 2016 was released and we at Crispin & Jeffery have brought you the key points that matter to you as businesses and individuals. Click on the link below for a detailed outline of the proposed budget measures.
Budget 2016 Review
If you would like to take up our offer of a Super / SMSF review, please email us or call to book an appointment on 02 9908 4744.
Contribute to super before 30 June 2016!
Superannuation Contributions Strategies
30th June is closer than you think, and now is a great time to start thinking about how you can make the most of your super to help with your retirement goals. With noise and talk on possible changes to super in the upcoming May budget, we'd like to highlight key SUPER STRATEGIES for your consideration.
1. Contributions to Super: For more information, please read the article:
Understanding Super Contributions for 2015 / 2015 Financial Year
2. Transition to Retirement Pension: Once you hit preservation age (55 for many people), you can draw a pension from your super even if you are still working. For more information, please read the article:
May Offer - Super and SMSF Review
UNDERSTANDING YOUR SUPER SITUATION!
If you would like to learn more about how these super strategies may be applicable to you or to understand more about the proposed Budget 'super' changes, please CALL US on 02 9908 4744 or EMAIL US: staff@cjeffery.com.au
We are offering a COMPLIMENTARY REVIEW of your SUPER including a review of a SELF MANAGED SUPER FUND (SMSF) you may own. To book your COMPLIMENTARY meeting, please CLICK on the button below:
Financial Health Check Offer - April 2016
Are you protecting your investments?
Given the state of the market, what could you be doing to protect your wealth?
In the month of April 2016, we are offering a complimentary financial health check meeting to discuss your current personal and financial situation and goals with our experienced C&J Financial Services advisers.
To book your COMPLIMENTARY meeting, CALL US on 02 9908 4744 or EMAIL US: staff@cjeffery.com.au
Fringe Benefits Tax
Are you paying the correct FBT for your business?
The ATO has announced they will be cracking down on FBT this year. What this means for small business is:
- An increase in FBT spot audits; and
- A requirement to lodge FBT returns of all entities providing benefits to employees (and directors) even if an employee contribution is paid to eliminate.
The CHECKLIST and WORKSHEETS offer a detailed overview of FBT requirements and show you what you need to be aware of in assessing your company's tax obligations. If you have any concerns regarding your FBT obligations, contact Crispin & Jeffery to discuss on 02 9908 4744.
Market Views
FRAGILE MARKET CONDITIONS
With some of our clients expressing concerns about the current fragile share market conditions, we felt this was an important topic to examine in our first issue.
With all investors currently experiencing the turbulent market conditions, we'd like to provide some context, offer a better understanding of current market movements, and give you some tips on how to remain a confident investor.
Take a look at an article written by the Chief Investment Officer of our financial services partner Primestock Securities Ltd (Prime), Jonathan Bayes, for some valuable insights.
Article: How to remain a confident investor in turbulent market conditions
Investor Update & Resources
What is a Separately Managed Account?
A SMA is a new and cost effective way of investing. Our wealth partner, Prime recently released a video explaining what a SMA is, how it works, and the benefits of investing with a SMA.
To LEARN MORE about SMAs please WATCH a short video from Mark Johnson, Chairman of our Investment Committee.
What are 3 Tier Ongoing Investment Models?
We recognise that not all wealth clients would like to receive 'Full Advice' on their investment portfolios. The 3 Tier service solution offer alternatives for clients who would prefer to 'Collaborate' on parts of their portfolio, as well as those who would prefer to be substantially 'Self-Directed'.
If you would like to LEARN MORE, please CALL US on 02 9908 4744 or EMAIL US: staff@cjeffery.com.au
Recent super changes: What they mean for you
For more information about the recent changes to superannuation,. please click here