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McMillans - Accountants, Financial Planners – Traralgon
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How SMSFs can help you take control of your super (and what to watch out for)
How SMSFs can help you take control of your super (and what to watch out for)

If you’re considering taking control of your super or wondering whether an SMSF is right for you, this article breaks down the benefits, risks, and how to get started—without the jargon.

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Superannuation, SMSFCristy HoughtonJune 8, 2025
The top 5 mistakes to avoid when starting a business
The top 5 mistakes to avoid when starting a business

If you’re thinking about starting a business or already in the early stages, this article highlights the most common—and costly—mistakes and gives you practical steps to avoid them.

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Business Structure, Small BusinessCristy HoughtonJune 8, 2025
When should I start retirement planning? (hint: it’s sooner than you think)
When should I start retirement planning? (hint: it’s sooner than you think)

This article gives clear, practical advice on when and how to start retirement planning—showing you how the right steps today can transform your financial future tomorrow.

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SuperannuationCristy HoughtonJune 8, 2025
How to prepare for an ATO audit without the panic
How to prepare for an ATO audit without the panic

If you're worried about ATO audits—or just want to reduce your risk—this article walks you through the process, shows you what to expect, and offers tips to help you stay ready and stress-free.

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Small BusinessCristy HoughtonJune 8, 2025
Is your business ready for succession or exit? Here’s how to tell
Is your business ready for succession or exit? Here’s how to tell

If you're thinking about stepping back from your business—now or in the future—this article helps you understand if you're ready, what might be missing, and how to get started.

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Succession PlanningCristy HoughtonJune 8, 2025
Do I need income protection insurance in my 30s?
Do I need income protection insurance in my 30s?

If you’re in your 30s and rely on your income to support your lifestyle, this article explains why income protection insurance is one of the smartest financial decisions you can make.

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InsuranceCristy HoughtonJune 8, 2025
What’s the difference between a managed fund and a model portfolio?
What’s the difference between a managed fund and a model portfolio?

If you're torn between investing in a managed fund or a model portfolio, this article explains the key differences and helps you decide which option suits your goals and financial style.

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InvestmentCristy HoughtonJune 8, 2025
How much super should I have at 30, 40, 50 and beyond?
How much super should I have at 30, 40, 50 and beyond?

If you're unsure whether your super balance is on track for retirement, this article provides age-based benchmarks and practical tips to help you grow your super and plan with confidence.

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SuperannuationCristy HoughtonJune 8, 2025
Should I set up a family trust for asset protection and tax planning?
Should I set up a family trust for asset protection and tax planning?

If you’re wondering whether a family trust could help you protect your assets or reduce your tax bill, this article breaks down the benefits, risks, and when it’s the right strategy for you.

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Estate Planning, Business StructureCristy HoughtonJune 8, 2025
What tax deductions can I claim as a small business owner in Australia?
What tax deductions can I claim as a small business owner in Australia?

If you’re a small business owner in Australia looking to save money and avoid tax-time stress, this article breaks down the most common (and often overlooked) deductions you may be eligible to claim.

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Small BusinessCristy HoughtonJune 8, 2025
Why is estate planning so important — and where should I start?
Why is estate planning so important — and where should I start?

Estate planning is about more than just having a Will—this article explains the essential documents, common traps, and how to protect your legacy and loved ones with clarity and confidence.

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Estate PlanningCristy HoughtonJune 7, 2025
What are the four golden rules of money everyone should know?
What are the four golden rules of money everyone should know?

These four simple yet powerful financial rules can help anyone take control of their money, reduce stress, and start building long-term wealth—no jargon, just practical advice that works.

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Financial Planning, Personal FinancesCristy HoughtonJune 7, 2025
Do I really need insurance to protect my lifestyle?
Do I really need insurance to protect my lifestyle?

Even if you're young and healthy, life can throw curveballs—and this article explains how the right insurance can protect your income, lifestyle, and independence when it matters most.

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Insurance, Personal FinancesCristy HoughtonJune 7, 2025
How can I protect my family’s financial future if something happens to me?
How can I protect my family’s financial future if something happens to me?

Starting a family changes everything—including your financial priorities—and this article explains how the right insurance can protect what matters most when life doesn’t go to plan.

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Insurance, Personal FinancesCristy HoughtonJune 7, 2025
What Is Audit Shield—and do I need it?
What Is Audit Shield—and do I need it?

Even the most accurate tax return won’t protect you from a surprise audit—but Audit Shield can protect you from the unexpected costs that come with it.

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Cristy HoughtonJune 7, 2025
Can I still access Government benefits in retirement—even with savings?
Can I still access Government benefits in retirement—even with savings?

You might be missing out on valuable government benefits in retirement—and this article shows how smart planning can unlock entitlements you didn’t think you qualified for.

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RetirementCristy HoughtonJune 7, 2025
How can I actually start saving for my goals?
How can I actually start saving for my goals?

Your dream holiday, first home, or new car isn’t out of reach—it just needs a plan, and this article shows you exactly how to start.

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Personal Finances, Financial PlanningCristy HoughtonJune 7, 2025
How can I legally minimise the tax I pay?
How can I legally minimise the tax I pay?

A little tax planning now could mean thousands saved later—and this article shows you exactly how to do it, before it’s too late.

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TaxCristy HoughtonJune 7, 2025
What’s the best business structure for me?
What’s the best business structure for me?

Choosing the right business structure isn’t just paperwork—it affects your tax, risk, growth potential, and future plans, and this article helps you make the smartest decision from the start.

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Business Structure, Business Advisory, Small BusinessCristy HoughtonJune 7, 2025
How can I maximise the potential of my business?
How can I maximise the potential of my business?

Working on your business—not just in it—is the key to real growth, and this article shows how regular business monitoring can turn your goals into results.

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Small Business, Business AdvisoryCristy HoughtonJune 7, 2025
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