SynecticGroup

Our Winter edition of Prepare for Life talks about investing for the next generation, retirement income options when markets are volatile, and the art of leaning into winter. Read it here: https://synecticgroup.com.au/2026/06/synectic-wealth-prepare-for-life-winter-2026/

23 June is World Whistleblower Day.

Did you know over 45% of fraud is uncovered through tip-offs? A strong culture of speaking up also tells you a lot about what's happening inside a business, including the risks, tensions, and things people notice but often don't say out loud.

Alyssa Mahar, Synectic Client Manager - Advisory, spoke about her experiences with CPA Australia last Wednesday night at CPA's 140 year celebration.

"CPAs aren't only in audit or tax. We're in sustainability, in advisory, in business, in the not-for-profits and the boardrooms. My own work has taken me from financial statements to carbon accounting, and I've realised those three letters don't put you on one path. They open up dozens."

"I would not be standing here tonight without the people in rooms like this one. The colleagues and members who answered the question I was too unsure to ask out loud. Who gave me their time when they had none to spare. Who saw someone earlier in the journey and chose to reach back. None of that was owed to me, people simply offered it, because that's what CPAs do."

Alyssa earned her CPA qualification earlier this month and we couldn't be prouder of her.

Businesses using Xero Automatic Super Payments

The Superannuation Guarantee payment deadline for the June 2026 quarter is 28 July.

For businesses looking to claim a deduction for the June quarter super in the 2025/26 financial year, payments must be received by the fund by 30 June 2026.

To ensure payments clear into super funds in time and count as a tax deduction this financial year, Xero recommends submitting and approving Automatic Super Payments at least 7 business days in advance.

If you need help, our team is here to assist.

Most retirees aren't fully self-funded. They're not fully on the pension either. They're somewhere in between, and that's completely normal.

Australia's retirement system is built around three pillars working together: super, private savings, and the Age Pension. Someone who is self-funded at 65 may be a part pensioner by 75. That's how the system is designed, not a failure of planning.

Worth a read (via Centrepoint Alliance)
https://blog.centrepointalliance.com.au/realiseyourdream/self-funded-or-full-age-pension

For guidance tailored to your situation, contact one of our financial advisers.

Self-funded or full age pension? When people think about retirement in Australia, it’s often framed as a simple choice: you’re either comfortably self‑funded, living off your own savings, or you’re reliant on the Age Pension. In reality, this black‑and‑white view misses where most retirees actually sit.

Congratulations to Alyssa Mahar, Client Manager in our Advisory Services team, on receiving her CPA qualification! 🎉

Alyssa specialises in sustainability consulting and carbon accounting and is a fantastic asset to our team and the clients she works with.

We're so proud of you, Alyssa. A huge achievement, well earned. 👏

CPA Australia

We're looking for a Client Services Administrator to join our Devonport team. If you're the kind of person who keeps things running smoothly, loves variety, and genuinely enjoys working with people, this one's for you.

This is a diverse role where no two days look the same. You'll be the go-to person for clients and a key support for our accountants and advisers.

- Full-time or part-time hours considered
- A genuinely supportive and highly experienced team to back you
- A workplace culture we're proud of

Apply now via Seek: https://au.seek.com/job/92378414

Two weeks on from the 2026 Federal Budget, our team has worked through the proposed capital gains tax changes. A few of the key points:

– From 1 July 2027, the 50% CGT discount would be removed. Capital gains would move from being taxed on half the gain to taxed in full on the real, after-inflation gain — for most investors with genuine growth, an increase.
– A new 30% minimum tax would apply to the real gain, and it falls hardest on lower-income earners. In Treasury's example, a person with $25,000 of income and a $10,000 gain goes from about 14% to 30%. Higher earners, already above 30%, are untouched.
– Pre-1985 assets enter the CGT net for the first time, from 1 July 2027. Gains before that date stay exempt; the cost base resets to the 1 July 2027 value.
– The main residence exemption, small business concessions and super fund rules are all retained.

Proposed measures, not yet law. Our CGT deep-dive covers the detail with four worked examples — and sits alongside our negative gearing and full-budget reads on one page.

Read it here: https://synectic.com.au/2026-federal-budget/?utm_source=facebook&utm_medium=organic&utm_campaign=cgt-deep-dive