Insights

Thinking out loud.
For your benefit.

Practical insights on tax, business, and money from the Raft Private advisory team.

Tax Strategy
March 2026

5 Tax Mistakes Costing Melbourne Business Owners Thousands

The most common errors we see in client reviews — and how to fix them before EOFY. From mixing personal and business expenses to ignoring depreciation schedules, these oversights add up fast.

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Business Structure
March 2026

Sole Trader vs Company vs Trust: Which Structure Is Right for You?

A plain-English breakdown of the three most common Australian business structures, when to use each, and the tax implications your accountant should be explaining.

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Property
February 2026

First Home Buyer? Here's What Your Accountant Wishes You Knew

Stamp duty concessions, the First Home Owner Grant, structuring tips, and the one question most first-timers forget to ask before signing.

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SMSF
February 2026

Is an SMSF Right for You? A Checklist for Business Owners

Self-managed super funds aren't for everyone. Here's our honest assessment of when they make sense, when they don't, and what the real costs look like.

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International
January 2026

Expanding Overseas? 7 Tax Traps Australian Businesses Fall Into

Cross-border compliance isn't optional. Transfer pricing, permanent establishment rules, and double tax agreements — demystified.

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Cash Flow
January 2026

Why Profitable Businesses Still Run Out of Cash

Revenue doesn't equal cash in the bank. We explain the cash conversion cycle and three tools every business owner should be using.

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Crypto
December 2025

ATO Crackdown: What Crypto Investors Need to Know for 2026

The ATO is matching exchange data to tax returns. Here's how to get your CGT right and avoid penalties.

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Startup
December 2025

R&D Tax Incentive: Are You Leaving Money on the Table?

Many eligible businesses don't claim. We break down who qualifies, what activities count, and how much the refund could be worth.

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EOFY
November 2025

Your EOFY Checklist: 15 Things to Do Before 30 June

A comprehensive pre-EOFY action list covering superannuation, asset purchases, deductions, and planning strategies for individuals and businesses.

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