---
title: WLM Blog | Financial Planning
description: Financial Planning | More than a blog, this page is where we release our latest market insights, case studies and other timely content. Check back often.  
image: https://insights.wlm.com.au/hubfs/WLM%20Accounting%20Blog.jpg
---

[![WLM\_Logo\_RGB\_Orn50](https://insights.wlm.com.au/hs-fs/hubfs/WLM_Logo_RGB_Orn50.png?width=521&height=169&name=WLM_Logo_RGB_Orn50.png "WLM_Logo_RGB_Orn50")](http://wlm.com.au/)

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- [Insights & Case Studies](https://insights.wlm.com.au/blog) 
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    - [Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
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- [About](https://www.wlm.com.au/about/)
- [Services](https://www.wlm.com.au/services/) 
    - [Tax & Compliance](https://www.wlm.com.au/services/tax-and-compliance/)
    - [Strategy & Advice](https://www.wlm.com.au/services/strategy-and-advice/)
- [Clients](https://www.wlm.com.au/clients/) 
    - [Construction & Trades](https://www.wlm.com.au/clients/construction/)
    - [Family Business](https://www.wlm.com.au/clients/family-business/)
    - [Insurance & Financial Services](https://www.wlm.com.au/clients/insurance-and-financial-services/)
    - [Renewable Energy & Environment](https://www.wlm.com.au/clients/renewable-energy-and-environment/)
    - [Service-based & Other Business](https://www.wlm.com.au/clients/service-based-and-other-business/)
- [Insights & Case Studies](https://insights.wlm.com.au/blog) 
    - [Blog](https://insights.wlm.com.au/blog)
    - [Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
    - [How to minimise tax & risk with business structure](https://explore.wlm.com.au/business-structure-whitepaper-download)
- [Contact](https://www.wlm.com.au/contact/)

# News, views and more

More than a blog, this page is where we release our latest market insights, case studies and other timely content. Check back often.

### Most Recent

**[Categories](https://insights.wlm.com.au/blog/tag/financial-planning/page/1#!)**

- [Accounting](https://insights.wlm.com.au/blog/tag/accounting)
- [Business Owners](https://insights.wlm.com.au/blog/tag/business-owners)
- [Australian Taxation Laws](https://insights.wlm.com.au/blog/tag/australian-taxation-laws)
- [Financial Planning](https://insights.wlm.com.au/blog/tag/financial-planning)
- [Tax Planning](https://insights.wlm.com.au/blog/tag/tax-planning)
- [ATO](https://insights.wlm.com.au/blog/tag/ato)
- [Superannuation](https://insights.wlm.com.au/blog/tag/superannuation)
- [Professionals](https://insights.wlm.com.au/blog/tag/professionals)
- [Home Owners & Investors](https://insights.wlm.com.au/blog/tag/home-owners-investors)
- [Family Business](https://insights.wlm.com.au/blog/tag/family-business)
- [25/26 Financial Year](https://insights.wlm.com.au/blog/tag/25-26-financial-year)
- [Self Managed Super Funds](https://insights.wlm.com.au/blog/tag/self-managed-super-funds)
- [Renewable Energy & Environment](https://insights.wlm.com.au/blog/tag/renewable-energy-environment)
- [23/24 Financial Year](https://insights.wlm.com.au/blog/tag/23-24-financial-year)
- [Construction](https://insights.wlm.com.au/blog/tag/construction)
- [Trusts](https://insights.wlm.com.au/blog/tag/trusts)
- [24/25 Financial Year](https://insights.wlm.com.au/blog/tag/24-25-financial-year)
- [Case Studies](https://insights.wlm.com.au/blog/tag/case-studies)
- [Insurance Underwriting](https://insights.wlm.com.au/blog/tag/insurance-underwriting)
- [Personal Income Tax](https://insights.wlm.com.au/blog/tag/personal-income-tax)
- [Payroll Tax](https://insights.wlm.com.au/blog/tag/payroll-tax)
- [WLM News](https://insights.wlm.com.au/blog/tag/wlm-news)
- [22/23 Financial Year](https://insights.wlm.com.au/blog/tag/22-23-financial-year)
- [26/27 Financial Year](https://insights.wlm.com.au/blog/tag/26-27-financial-year)

[![Investment Companies: Tax Benefits & Smart Wealth Planning](https://insights.wlm.com.au/hubfs/Investment%20Companies%20Tax%20Benefits%20%26%20Smart%20Wealth%20Planning.png)](https://insights.wlm.com.au/blog/investment-companies-tax-benefits-smart-wealth-planning)

![Amanda Rogers](https://insights.wlm.com.au/hs-fs/hubfs/AR%20headshot.jpg?width=400&height=250&name=AR%20headshot.jpg)

**Amanda Rogers**

 19 November 2025 —  4 min read

### [Investment Companies: Tax Benefits & Smart Wealth Planning](https://insights.wlm.com.au/blog/investment-companies-tax-benefits-smart-wealth-planning)

Utilising an investment company can offer several advantages for high-income earners and long-term investors, including tax efficiency. In this article we explore the tax and other benefits that are becoming increasingly popular in Australia.

[Read more](https://insights.wlm.com.au/blog/investment-companies-tax-benefits-smart-wealth-planning)

[![Trust Resolutions – Why Timing and Evidence Matter](https://insights.wlm.com.au/hubfs/Trust%20Resolutions%20%E2%80%93%20Why%20Timing%20and%20Evidence%20Matter.png)](https://insights.wlm.com.au/blog/trust-resolutions-why-timing-and-evidence-matter)

![James Coles](https://insights.wlm.com.au/hs-fs/hubfs/WLM-ingrid-photography--0292-1.jpg?width=400&height=250&name=WLM-ingrid-photography--0292-1.jpg)

**James Coles**

 14 October 2025 —  4 min read

### [Trust Resolutions – Why Timing and Evidence Matter](https://insights.wlm.com.au/blog/trust-resolutions-why-timing-and-evidence-matter)

A recent decision of the Administrative Review Tribunal (*Goldenville Family Trust v Commissioner of Taxation* \[2025\]) highlights the importance of documentation and evidence when it comes to tax planning and the consequences of not getting this..

[Read more](https://insights.wlm.com.au/blog/trust-resolutions-why-timing-and-evidence-matter)

[![Giving Creatively: Tax-Deductible Donations to Support the Arts](https://insights.wlm.com.au/hubfs/Giving%20Creatively%20Tax-Deductible%20Donations%20to%20Support%20the%20Arts.png)](https://insights.wlm.com.au/blog/giving-creatively-tax-deductible-donations-to-support-the-arts)

![Amanda Rogers](https://insights.wlm.com.au/hs-fs/hubfs/AR%20headshot.jpg?width=400&height=250&name=AR%20headshot.jpg)

**Amanda Rogers**

 14 October 2025 —  4 min read

### [Giving Creatively: Tax-Deductible Donations to Support the Arts](https://insights.wlm.com.au/blog/giving-creatively-tax-deductible-donations-to-support-the-arts)

At WLM we have many clients who are either passionate about the Arts or are Artists themselves.  The pursuit of Art has its own tax peculiarities and especially around donations. 

[Read more](https://insights.wlm.com.au/blog/giving-creatively-tax-deductible-donations-to-support-the-arts)

[![From Venice to Sydney — Sculpting a Better Future](https://insights.wlm.com.au/hubfs/Artist%20Peter%20Day.png)](https://insights.wlm.com.au/blog/from-venice-to-sydney-sculpting-a-better-future)

![Amanda Rogers](https://insights.wlm.com.au/hs-fs/hubfs/AR%20headshot.jpg?width=400&height=250&name=AR%20headshot.jpg)

**Amanda Rogers**

 14 October 2025 —  3 min read

### [From Venice to Sydney — Sculpting a Better Future](https://insights.wlm.com.au/blog/from-venice-to-sydney-sculpting-a-better-future)

WLM is proud to share an inspiring story from our long-term client, Australian artist Peter Day, whose latest project unites art, science, and environmental awareness.

[Read more](https://insights.wlm.com.au/blog/from-venice-to-sydney-sculpting-a-better-future)

[![superannuation guarantee](https://insights.wlm.com.au/hubfs/Superannuation%20guarantee%20due%20dates%20and%20considerations-1.png)](https://insights.wlm.com.au/blog/superannuation-guarantee-due-dates-and-considerations)

![Amanda Rogers](https://insights.wlm.com.au/hs-fs/hubfs/AR%20headshot.jpg?width=400&height=250&name=AR%20headshot.jpg)

**Amanda Rogers**

 11 September 2025 —  3 min read

### [Superannuation guarantee: due dates and considerations](https://insights.wlm.com.au/blog/superannuation-guarantee-due-dates-and-considerations)

On 1 July 2025 the superannuation guarantee rate increased to 12% which is the final stage of a series of previously legislated increases. 

Employers currently need to make superannuation guarantee (SG) contributions for their employees by 28 days..

[Read more](https://insights.wlm.com.au/blog/superannuation-guarantee-due-dates-and-considerations)

[![A win for those carrying student debt](https://insights.wlm.com.au/hubfs/A%20win%20for%20those%20carrying%20student%20debt.png)](https://insights.wlm.com.au/blog/a-win-for-those-carrying-student-debt)

![Charley Tarchichi](https://insights.wlm.com.au/hs-fs/hubfs/WLM-ingrid-photography--0107-1.jpg?width=400&height=250&name=WLM-ingrid-photography--0107-1.jpg)

**Charley Tarchichi**

 10 September 2025 —  3 min read

### [A win for Australians carrying student debt](https://insights.wlm.com.au/blog/a-win-for-those-carrying-student-debt)

In support of young Australians and in response to the rising cost of living, the Australian Government has passed legislation to reduce student loan debt by 20% and change the way that loan repayments are determined. This should help students..

[Read more](https://insights.wlm.com.au/blog/a-win-for-those-carrying-student-debt)

[![Uber decision flags payroll tax risk for contractor-reliant businesses](https://insights.wlm.com.au/hubfs/Uber%20Decision%20highlights%20payroll%20tax%20issue%20for%20Medical%20Practices%20and%20other%20business%20relying%20on%20contractors.-1.png)](https://insights.wlm.com.au/blog/uber-decision-highlights-payroll-tax-issue-for-medical-practices-and-other-business-relying-on-contractors)

![Amanda Rogers](https://insights.wlm.com.au/hs-fs/hubfs/AR%20headshot.jpg?width=400&height=250&name=AR%20headshot.jpg)

**Amanda Rogers**

 21 August 2025 —  4 min read

### [Uber decision flags payroll tax risk for contractor-reliant businesses](https://insights.wlm.com.au/blog/uber-decision-highlights-payroll-tax-issue-for-medical-practices-and-other-business-relying-on-contractors)

The Chief Commissioner has recently assessed Uber as liable for payroll tax and interest in the sum of approximately $81 million for the financial years 2015 to 2020 pursuant to the Payroll Tax Act 2007 (NSW) (Payroll Tax Act).

This decision has..

[Read more](https://insights.wlm.com.au/blog/uber-decision-highlights-payroll-tax-issue-for-medical-practices-and-other-business-relying-on-contractors)

[![WLM Accounting staff photo](https://insights.wlm.com.au/hubfs/5%20Key%20GST%20considerations%20on%20the%20acquisition%20of%20a%20renewable%20energy%20project-1.png)](https://insights.wlm.com.au/blog/5-key-gst-considerations-on-the-acquisition-of-a-renewable-energy-project)

![James Coles](https://insights.wlm.com.au/hs-fs/hubfs/WLM-ingrid-photography--0292-1.jpg?width=400&height=250&name=WLM-ingrid-photography--0292-1.jpg)

**James Coles**

 18 November 2024 —  4 min read

### [5 Key GST considerations on the acquisition of a renewable energy project](https://insights.wlm.com.au/blog/5-key-gst-considerations-on-the-acquisition-of-a-renewable-energy-project)

**When acquiring a renewable energy project, understanding the GST implications is crucial to ensure you are claiming the maximum GST credits while staying compliant with the ATO.**

[Read more](https://insights.wlm.com.au/blog/5-key-gst-considerations-on-the-acquisition-of-a-renewable-energy-project)

[![When overseas workers are Australian employees](https://insights.wlm.com.au/hubfs/When%20overseas%20workers%20are%20Australian%20employees%20(3).png)](https://insights.wlm.com.au/blog/when-overseas-workers-are-australian-employees)

![Dan McGrath](https://insights.wlm.com.au/hs-fs/hubfs/WLM-ingrid-photography--0039%20-%20Copy.jpg?width=400&height=250&name=WLM-ingrid-photography--0039%20-%20Copy.jpg)

**Dan McGrath**

 15 November 2024 —  8 min read

### [When overseas workers are Australian employees](https://insights.wlm.com.au/blog/when-overseas-workers-are-australian-employees)

The Fair Work Commission has determined that a Philippines based "independent contractor" was an employee unfairly dismissed by her Australian employer.

[Read more](https://insights.wlm.com.au/blog/when-overseas-workers-are-australian-employees)

[![what makes or breaks christmas](https://insights.wlm.com.au/hubfs/What%20makes%20or%20breaks%20Christmas%20(1).png)](https://insights.wlm.com.au/blog/what-makes-or-breaks-christmas)

![Amanda Rogers](https://insights.wlm.com.au/hs-fs/hubfs/AR%20headshot.jpg?width=400&height=250&name=AR%20headshot.jpg)

**Amanda Rogers**

 15 November 2024 —  4 min read

### [What makes or breaks Christmas?](https://insights.wlm.com.au/blog/what-makes-or-breaks-christmas)

**The cost of living has eased over the past year but consumers are still under pressure. For business, planning is the key to managing Christmas volatility.**

[Read more](https://insights.wlm.com.au/blog/what-makes-or-breaks-christmas)

[1](https://insights.wlm.com.au/blog/tag/financial-planning/page/1) [2](https://insights.wlm.com.au/blog/tag/financial-planning/page/2) [3](https://insights.wlm.com.au/blog/tag/financial-planning/page/3) [4](https://insights.wlm.com.au/blog/tag/financial-planning/page/4) [5](https://insights.wlm.com.au/blog/tag/financial-planning/page/5) [...](https://insights.wlm.com.au/blog/tag/financial-planning/page/6) [9](https://insights.wlm.com.au/blog/tag/financial-planning/page/9) <https://insights.wlm.com.au/blog/tag/financial-planning/page/2>

### Free Resources

- [Whitepaper: How to minimise tax & risk with business structure](https://explore.wlm.com.au/business-structure-whitepaper-download)
- [Whitepaper: Buying a property with a business partner](https://explore.wlm.com.au/buying_a_property_with_a_business_partner_download)
- [E-Guide: 7 financial mistakes of builders and tradies](https://explore.wlm.com.au/financial-mistakes-of-builders-and-tradies)
- [E-Guide: Tax and accounting considerations for setting up an insurance underwriting agency in Australia](https://explore.wlm.com.au/tax-and-accounting-considerations-for-setting-up-an-insurance-underwriting-agency-in-australia)
- [A guide to the Federal Budget 2025 - 26](https://explore.wlm.com.au/a-guide-to-the-federal-budget-2025-26)
- [EOFY Tax Planning Webinar](https://youtu.be/xhf7yafx8YE?si=TuqCM5eEtWPP91lg)
- [EOFY business checklist](https://explore.wlm.com.au/your-business-end-of-financial-year-checklist)

### Blog Categories

- [Accounting (169)](https://insights.wlm.com.au/blog/tag/accounting)
- [Business Owners (143)](https://insights.wlm.com.au/blog/tag/business-owners)
- [Australian Taxation Laws (126)](https://insights.wlm.com.au/blog/tag/australian-taxation-laws)
- [Financial Planning (88)](https://insights.wlm.com.au/blog/tag/financial-planning)
- [Tax Planning (76)](https://insights.wlm.com.au/blog/tag/tax-planning)
- [ATO (56)](https://insights.wlm.com.au/blog/tag/ato)
- [Superannuation (54)](https://insights.wlm.com.au/blog/tag/superannuation)
- [Professionals (40)](https://insights.wlm.com.au/blog/tag/professionals)
- [Home Owners & Investors (34)](https://insights.wlm.com.au/blog/tag/home-owners-investors)
- [Family Business (30)](https://insights.wlm.com.au/blog/tag/family-business)
- [25/26 Financial Year (25)](https://insights.wlm.com.au/blog/tag/25-26-financial-year)
- [Self Managed Super Funds (23)](https://insights.wlm.com.au/blog/tag/self-managed-super-funds)
- [Renewable Energy & Environment (20)](https://insights.wlm.com.au/blog/tag/renewable-energy-environment)
- [23/24 Financial Year (18)](https://insights.wlm.com.au/blog/tag/23-24-financial-year)
- [Construction (18)](https://insights.wlm.com.au/blog/tag/construction)
- [Trusts (18)](https://insights.wlm.com.au/blog/tag/trusts)
- [24/25 Financial Year (17)](https://insights.wlm.com.au/blog/tag/24-25-financial-year)
- [Case Studies (17)](https://insights.wlm.com.au/blog/tag/case-studies)
- [Insurance Underwriting (16)](https://insights.wlm.com.au/blog/tag/insurance-underwriting)
- [Personal Income Tax (13)](https://insights.wlm.com.au/blog/tag/personal-income-tax)
- [Payroll Tax (9)](https://insights.wlm.com.au/blog/tag/payroll-tax)
- [WLM News (9)](https://insights.wlm.com.au/blog/tag/wlm-news)
- [22/23 Financial Year (8)](https://insights.wlm.com.au/blog/tag/22-23-financial-year)
- [26/27 Financial Year (8)](https://insights.wlm.com.au/blog/tag/26-27-financial-year)

## Subscribe

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###### Contact

WLM Financial Services Pty Limited  
Level 20, 56 Pitt Street, Sydney NSW 2000  
GPO Box 5025, Sydney NSW 2001

**T** [02 9221 7777](tel:292217777)

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- [CLIENTS](https://www.wlm.com.au/clients/) 
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###### [Insights](https://insights.wlm.com.au/blog)

###### Legal Notices

The information contained in the WLM website, has been prepared from a wide variety of sources, which WLM, to the best of its knowledge and belief, considers accurate. WLM does not however warrant the accuracy of the information and forecasts possibly contained in the WLM website. No visitor to the site should rely upon the information and/or recommendations contained in the WLM website. WLM strongly recommends that all prospective purchasers of securities should make their own inquiries and seek professional advice before acting on any of the information contained in the WLM website. Should you wish to seek advice, please feel welcome to [contact us](http://wlm.advisclient.com.au/contact/).