anningham The
We are looking for business owners who like to join the
Manningham Network Group and Community Paper.
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• Caterer
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COLUMNIST CONTRIBUTORS
About the Find Manningham
By Warren Strybosch
The Find Manningham is a community paper that aims to support all things Manningham. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Manningham for Free.
We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month.
We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.
EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 warren@findnetwork.com.au
PUBLISHER: Issuu Pty Ltd
We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area.
To help support the paper, we invite local business owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you.
Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing
The
and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate.
Follow us on facebook (https://www. facebook.com/findmanningham) so you keep up to date with what we are doing.
We value your support,
The Find Manningham Team.
anningham
POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134
ADVERTISING AND ACCOUNTS: editor@findmanningham.com.au
GENERAL ENQUIRIES: 1300 88 38 30
EMAIL SUPPORT: support@manningham.com.au
WEBSITE: www.findmanningham.com.au
OUR NEWSPAPER
The Find Manningham was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with a core focus of helping other Not-ForProfits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Manningham has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.
ALL THINGS MANNINGHAM
The City of Manningham is a local government area in Victoria, Australia in the north-eastern suburbs of Melbourne. Manningham had a population of approximately 125,508 as at the 2018 Report which includes 27,500 business and close to 45,355 households. The Doncaster and Templestowe Council administered the area until December 15, 1994.
ACKNOWLEDGEMENT
The Find Manningham acknowledge the Traditional Owners of the lands where Manningham now stands, the Wurundjeri people of the Kulin nation, and pays respect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.
DISCLAIMER
Readers are advised that the Find Manningham accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.
NEXT ISSUE
Christmas Days and Holidays
By Warren Strybosch
The Christmas season has arrived once again, bringing joy, togetherness, and reflection to people around the world. Christmas Day is the highlight of this festive period, but it is just one of several celebrations that make this time of year meaningful.
Christmas Day: Celebrating the Birth of Jesus Christmas Day, observed on December 25th, is an important Christian holiday that commemorates the birth of Jesus Christ. Many Christians attend church services, set up nativity scenes, and sing carols as they remember the story of Jesus’ birth in Bethlehem.
At the same time, Christmas has grown into a celebration of generosity and togetherness. Families exchange gifts, share festive meals, and decorate their Christmas trees with colourful ornaments and lights. Children eagerly wait for Santa Claus— known for his red suit, warm smile, and reindeer-pulled sleigh— who is believed to travel the world on Christmas Eve delivering gifts to well-behaved children.
A Season of Warmth and Togetherness
The holiday season brings people of different cultures and backgrounds together to celebrate values like kindness, love, and generosity. Whether someone observes Christmas, Hanukkah, Kwanzaa, or another tradition, the spirit of unity makes this time of year truly special.
Families also enjoy spending time outdoors. Imagine a sunny holiday afternoon at the beach: children building sandcastles, parents relaxing under colourful umbrellas, and everyone enjoying cool drinks and gentle waves. The sound of seagulls and sparkling water creates happy memories filled with laughter and warmth.
However, the season can be challenging for some— especially for those coping with loss, changes, or missing family traditions. If this time feels difficult, please remember you are not alone. We hope you find moments of comfort, connection, and joy, even in small ways.
From all of us at the Find Foundation and the Find Group of Companies, we wish you happiness this holiday season and all the very best in the year ahead.
DIY treatments for minor ailments
NATUROPATHY
By Kathryn Messenger
From sunburn to spider bites, there’s so much that can be done with simple home remedies as you spend time outside this summer. Here are some basics that I like to have on hand, and what they can do:
Calendula oil or cream
For skin healing; use this on sunburn, other burns, eczema, bites, or any other place where you want to heal the skin. If you want to make your own calendula oil; soak the dried flowers in almond oil for a few months and strain. Almond oil is high in vitamin E which will also help with skin healing.
Tea tree oil
This is antimicrobial and emollient (soothing to the skin). I use this on bites, infections, fungal rash, and in my homemade deodorant.
Chamomile
Soothing to the gut, and anti-inflammatory when used topically. Cold chamomile
tea is a great eye wash for an irritated eye, as well as on any inflamed skin condition. You can infuse chamomile in oil, just like the calendula.
Activated charcoal
When you have a gastro bug, this will absorb the virus and help you to eliminate it with minimal symptoms. Additionally, I use this in my homemade deodorant, as it also absorbs the bacteria.
Bitter leafy greens
Especially when you’ve overeaten, or are too stressed to digest well, these will stimulate digestion and are also helpful to get your sugar cravings under control.
Spider bite case
I recently had a spider bite. It started as a small red lump on my arm, grew to quite a size, then formed a scabby surface and slowly shrunk back down. I began my treatment with 2 drops of tea tree oil on a Band-Aid each day, along with homeopathic Apis (best used for bee stings but can also be used for similar skin issues). My bite seemed to just get bigger (it was a good 3cm in
diameter), so I switched to homeopathic Belladonna which is for skin issues where it is red and hot, and the lump on my arm was certainly hot. Within a couple of days, the site had begun to shrink and form a scab. At this point I switched the Belladonna to homeopathic Silicea which can be used for skin healing, along with calendula cream.
If you need further guidance with a minor ailment, I offer 15 minute acute appointments where I can come up with a treatment plan and make up the homeopathics and personalised skin creams.
From Noise to Momentum: The One Thing Most Not-for-Profits Overlook in Their Marketing
DIGITAL MEDIA
By Ethan Strybosch
In the world of not-for-profit marketing, visibility is often treated as the ultimate goal. More views, more clicks, more traffic — all signs of progress, right?
I used to believe that too.
But after working closely with dozens of incredible organisations, I’ve come to a different conclusion: visibility without clarity is just noise.
We’ve seen charities doing all the “right” things. Posting regularly. Running ads. Showing up on every platform. Yet despite their efforts, they weren’t seeing results. Their impact didn’t grow. Donations stayed flat. Engagement was minimal.
Why?
Because they hadn’t nailed the one thing that truly makes marketing work: a clear message.
Clarity is what turns a social post into a call to action. It’s what transforms a website visit into a donation. It’s the difference between being seen and being remembered.
The questions every not-for-profit must answer are simple — but powerful:
• What do you want people to do?
• Why should they care?
• How does your mission align with the change they want to see in the world?
When we helped clients uncover and communicate this clearly, everything shifted.
Campaigns started converting. Donors leaned in. Volunteers showed up. The mission came to life in ways that felt tangible and exciting.
This isn’t just theory. It’s the pattern we’ve seen again and again.
So if your organisation’s marketing feels like it’s falling flat, don’t immediately assume you need more content or a bigger ad budget. Don’t just chase reach for the sake of reach.
Instead, pause. Get clear on your message first.
Because clarity is what transforms noise into momentum. And in the not-for-profit world, momentum is what drives real, lasting impact.
ACCOUNTANT
By Warren Strybosch
Over 25 years ago, I got into financial planning because someone was promoting a scheme in the area where I lived. The result was that many people lost lots of money and their homes, and some couples ended up divorcing over the whole affair. It was a very stressful time for everyone involved, and I believe some people are still traumatised or have residual stress to this day.
From that day on, I made it my mission to be proactive in helping ATO and ASIC whenever I identified an accountant, financial planner, or mortgage broker who was promoting a scheme or who I felt was breaking the law. Now, accountants and financial planners are required by law to basically ‘dob’ in someone whom they suspect of breaching the law or their respective code of conduct. Unfortunately, this has not stopped people from continuing to find ways to take advantage of others.
TAX SCHEMES
the ESIC context, why the ATO is cracking down, and what taxpayers or advisers should do to avoid falling foul.
What ATO Is Targeting:
People have previously questioned why I bother. My response is that everyone should be bothered because we all should be actively trying to protect consumers, especially as we are dealing with people’s money. Regardless of the promoter's identity, even if they are a friend or family member, I will not overlook their actions if I believe they are exploiting people, even if it means I will be shunned by other friends or family who do not understand the situation.
Last month, the ATO issued repeated warnings about “tax and super schemes” being promoted by advisers or intermediaries — ranging from massmarket advertisements to boutique arrangements tailored for high-wealth individuals or companies. These schemes often promise significant tax savings, such as reducing taxable income, increasing deductions or offsets, inflating refunds, or even allowing early access to superannuation benefits.
These schemes often rely on complex or contrived financial or legal structures, designed not to reflect genuine economic activity but to distort how funds flow — purely for tax benefit.
The ATO’s position is clear: such arrangements are risky, often unlawful, and subject to cancellation, penalties, and even criminal prosecution.
Below we outline in more detail how such schemes tend to operate, with a focus on
1. Artificial “Tax-Avoidance” and “Super-Access” Schemes
Schemes that claim to provide benefits may be promoted.
• Reduce a participant’s taxable income;
• Increase deductions against income;
• Inflate offsets or refunds;
• Provide early or unlawful access to superannuation benefits;
• Completely avoid tax or other obligations.
Such schemes might use complex transactions or unusual fund flows to create a semblance of legitimacy when, economically, nothing substantial has changed.
Often these schemes are aggressively marketed via online ads, social media, or promotions by advisers guaranteeing “big tax savings” with apparently little risk.
2. Abusive Use of the ESIC / EarlyStage Investor Tax Offset Regime
One of the specifically flagged areas is misuse of the ESIC/early-stage investor tax offset regime. The Early Stage Investor Tax Offset was introduced to encourage genuine investment in early-stage, innovative companies. Under this regime, investors who purchase new shares in a qualifying ESIC may — if all conditions are met — access:
• A non-refundable carry-forward tax offset equal to 20% of the amount invested (subject to caps).
Special capital gains tax (CGT) treatment: capital gains on qualifying shares held between 12 months and up to 10 years may be disregarded; conversely, capital losses may also be disregarded under certain conditions.
That’s a legitimate scheme — but what the ATO is targeting are artificial or circular financing arrangements structured solely to claim those tax benefits — with little or no genuine economic risk or business substance behind them.
A typical abusive structure might involve:
1. An adviser or intermediary promoting a start-up (allegedly an ESIC) to potential investors.
2. The investor subscribing for shares — often funded by a loan or financing facility, with only a nominal deposit paid.
3. Immediately after share issue, the funds are placed under control of the financier or intermediary (not genuinely used by the start-up for innovation or business growth).
4. The investor claims the 20% tax offset, lowers their tax liability, and receives a refund. The refund (or part of it) is used to repay the financing.
5. The start-up may execute a share buy-back or other disposal so that the investor retains little or no real economic interest — yet enjoys the tax benefit with minimal actual risk.
In effect, the investor incurs nearly no real economic cost or risk, yet claims substantial tax benefits. The ATO considers such arrangements to be artificial, exploitative, and a misuse of the ESIC regime.
Because the law governing general anti-avoidance (Part IVA of the Income Tax Assessment Act) applies, the ATO is revoking benefits in such cases, disallowing the tax offset and deductions, and potentially denying CGT relief. Australian Taxation Office+1
Why the ATO Is Cracking Down
The ATO has declared that participation in, or promotion of, unlawful tax schemes is not a victimless act. Both participants and promoters are liable:
• For the reversal of tax benefits (offsets, deductions, CGT relief).
• For hefty penalties — often ranging from 10% to 90% of the tax avoided, plus interest.
• In serious cases, potential criminal charges and prosecution (particularly for promoters).
The ATO also emphasises that these schemes mislead taxpayers and erode the integrity and fairness of the tax system.
They warn that “honest folk” — not necessarily sophisticated investors — are being drawn in by misleading promises.
Given Australia’s increasing focus on treating financial crime and tax avoidance seriously (including through joint taskforces), the risk to participants is not just financial, but reputational and legal.
How to Avoid Falling Into These Traps — Practical Advice
As a professional in accounting and financial advice (as you are), you play a critical role in helping clients avoid pitfalls. Here are practical recommendations:
• Be skeptical of offers that sound “too good to be true”: Low-risk, high-
return, guaranteed tax savings — especially if offered by promoters or intermediaries — should trigger red flags.
• Perform proper due diligence: If you advise clients to invest in a purported ESIC, confirm the company meets all the ESIC qualifying criteria immediately after share issue (early-stage test + either the 100-point innovation test or principles-based test).Ask for a ruling or documentation where there is doubt: Where eligibility is unclear (especially under principles-based innovation test), encourage clients or the company to request a private binding ruling from the ATO.
• Avoid circular financing or loanback structures: Warn clients that financing arrangements where the subscription money is not genuinely at risk — but is controlled or returned via buy-backs — may be treated as artificial by ATO and can lead to cancellation of benefits under Part IVA.
• Keep thorough records: If the investment is genuine, it is essential to maintain documentation that supports the company’s innovation credentials, business plan, commercialisation strategy, and actual use of funds.
• Seek independent, credible advice: If you're unsure about a scheme or structure, get advice from a reputable tax professional or adviser — ideally not the party promoting the scheme.
• Err on the side of caution: If something seems ambiguous or borderline, consider declining participation or requesting a ruling/clarification first.
What to Do If You Suspect or Discover a Scheme — Reporting & Hotline
The ATO encourages taxpayers and advisers to act proactively if they suspect an unlawful scheme. You can:
• Submit a tip-off form on the ATO website.
• Phone the ATO’s confidential “tip-off” hotline on 1800 060 062.
• If you believe you’ve inadvertently become involved in a scheme, contact the ATO immediately — voluntary disclosure may reduce penalties and limit consequences
As a professional adviser, if a client approaches with a suspicious scheme — particularly around ESIC or other aggressive tax strategies — your ethical and regulatory responsibility may well be to advise them to steer clear, or report it if warranted.
Integrity Over Short-Term Gains
The tax-incentive regimes administered by the ATO — such as the ESIC earlystage investor offsets — were introduced with genuine policy goals: to encourage investment in innovation, support entrepreneurship, and share risks and rewards fairly.
However, where these regimes are manipulated via artificial, circular or contrived arrangements — seeking tax benefits without any real economic substance — they become abuse. The ATO has signaled it is watching, investigating, and willing to apply antiavoidance provisions, revoke illicit benefits, and penalise both promoters and participants.
For advisers and practitioners in the accounting or financial advice community — including you — there is an essential role in educating, screening, advising, and where necessary, sounding the alarm. Ethical professional conduct, due diligence, and caution are crucial.
Ultimately, long-term integrity of the tax system and investor trust outweigh the lure of short-term scheme-driven gains.
If you believe you have been caught up in sheme, please either call the ATO tip-off line or ring your accountant or financial advisor to discuss the matter with them.
You can read more about the ATO’s report on tax schemes here
BOOKKEEPING
By JODIE MOORE
As an employer in Australia, you have a legal obligation to pay superannuation on behalf of eligible employees. This is called the Super Guarantee (SG). Until recently, most employers paid SG contributions on a quarterly basis. But with changes coming soon under the new Treasury Laws Amendment (Payday Superannuation) Bill 2025, the way super is paid is about to change significantly.
What are the current rules?
• Employers must pay SG contributions for eligible employees (those who meet age and work-hour criteria) based on their ordinary time earnings (OTE).
• The SG rate recently increased — from 1 July 2025 the minimum SG rate is 12%.
• Under current rules, contributions must be paid at least quarterly. The standard quarterly due dates (for the contribution to reach the super fund) are: 28 October, 28 January, 28 April and 28 July.
• However, many employers choose to pay more frequently (monthly or even fortnightly) — and the law allows that.
• What matters is not when you record or transfer the payment internally — but when the funds are received by the employee’s super fund. That receipt date is what counts for compliance.
• If you miss a contribution or pay late, you may be liable to pay the Super Guarantee Charge (SGC), which includes the shortfall amount, interest, and an administration fee.
What’s changing from 1 July 2026 (Payday Super)
From 1 July 2026, legislation requires superannuation contributions to be paid at the same time as salary or wages (or at least in each pay run) rather than quarterly.
• Key changes under the new regime:
• SG contributions must be made for each pay run — whether you pay weekly, fortnightly, monthly, etc.
• Contributions must be received by the super fund typically within 7 business days of the pay date.
• The previous “late payment offset” (which reduced SGC liability if super was paid late but before an ATO assessment) will no longer apply.
• The free government clearing service — the Small Business Superannuation
Employer Super Obligations -What You Need to Know (and How Xero Can Help)
Clearing House (SBSCH)— is being retired as part of the reforms.
• Employers will need to ensure their payroll / accounting systems can process and manage super payments more frequently.
In short — super needs to be treated like part of wages, not something paid later in bulk. This represents a significant shift for many businesses, especially small ones, and will have cash-flow and administrative consequences.
How using Xero can make super easier (especially with Payday Super)
If you’re using Xero for payroll and accounting, you’re well placed to handle these changes. Xero already offers tools designed to help employers meet super obligations — including super calculation, payment and recordkeeping.
What Xero does for you
• Automatic SG calculation: When you process a pay run, Xero automatically calculates the correct super contribution (based on the employee’s wages and current SG rate). This reduces manual calculation errors — especially useful with the SG rate now 12%.
• Payroll and super in the same place: Because payroll and super are managed together, there’s no need to juggle different systems. This reduces admin time and risk of oversight.
• Direct payment or clearing-house support: Xero supports super payments, meaning you don’t have to manually coordinate multiple super fund portals — useful when staff are with different funds.
• Compliance with new rules: With Payday Super on the horizon, using a system like Xero ensures you can run pay + super together — making it far easier to meet the commitment to pay each payday rather than quarterly.
• Record keeping and reporting: Xero keeps payment records, which helps if the ATO audits your super contributions. Good
records also help avoid accidental underpayment or missed payments.
Practical steps for employers using Xero (or considering it)
If you are a small business employer (or bookkeeper for one), here’s what you should do now to prepare for the reforms:
1. Check your current payroll cycle — are you paying weekly, fortnightly or monthly? Plan how you’ll handle super on each pay run once payday-super is mandatory.
2. Ensure Xero payroll is correctly set up — confirm SG rate (12%) and super fund details for all employees are up to date.
3. Enable “Auto Super” / super payment function in Xero — this ensures super is calculated and ready whenever you run payroll.
4. Set aside cashflow for super with every pay run — because super will need to be paid as soon as wages are paid, cashflow planning becomes more important.
5. Maintain accurate records of super payments and fund receipts — meet compliance requirements and reduce risk of SGC liability.
6. If you currently use SBSCH (or plan to), start looking for alternatives — this clearing house will be phased out as part of the reforms.
Final Thoughts
Employer superannuation obligations are becoming more demanding — not in how much you contribute, but when you must contribute. From 1 July 2026, super will need to be paid with every pay run rather than quarterly. For many small businesses, this shift may feel challenging — but using a modern payroll/accounting solution like Xero can make the transition much smoother.
By automating calculations, syncing payroll and super payments, and keeping clear records, employers can meet their compliance obligations while reducing admin overhead. If you’re not already using software like Xero — or if your setup hasn’t been reviewed recently — now is a good time to revisit it and prepare for Payday Super.
GUARANTEED INCOME FOR LIFE: A SMART WAY TO SECURITY IN YOUR RETIREMENT
Financial Planner
By Erryn Langley
As retirement approaches, or if you're already in that phase you may start thinking about how to make your super last. One solution that’s available in Australia is a lifetime guaranteed income stream (sometimes also known as an annuity). The name sounds technical, but the idea is quite straightforward: it provides you with a regular income for as long as you live, regardless of market conditions or how long your retirement lasts.
What Is a Lifetime Guaranteed Income Stream?
A lifetime income stream is a product that converts part of your superannuation or personal savings into ongoing, reliable, regular payments. Once purchased, it pays you a consistent income similar to a salary for the rest of your life.
Why Does It Matter?
Australians are staying healthy and active well into older age. A 65-year-old today could easily spend two to three decades in retirement. While that’s something to celebrate, it also brings a financial challenge: ensuring your savings don’t run out.
Account-based pensions remain popular, but they depend heavily on investment performance and drawdown decisions. Poor market returns or simply living longer than expected can increase the risk of depleting your balance too soon. A lifetime income stream helps protect against that uncertainty.
Key Benefits
• Reliable Income for Life
You’ll continue receiving payments no matter how long you live, offering long-term financial security.
• Reduced Decision-Making Pressure No need to constantly review withdrawal rates or worry about spending too much too early.
• Straightforward Budgeting
Knowing your baseline income allows for more confident planning and day-to-day spending.
• Resilience Against Market Volatility
Your payments aren’t tied to market ups and downs, offering stability during turbulent periods.
• Built-In Flexibility
Many products allow for partial access to capital if you need a lump sum or wish to pass something on to your family.
• Potential Centrelink Advantages
Some lifetime products receive favourable treatment under the Age Pension income and assets tests, potentially boosting your entitlements.
How Do They Work?
Lifetime income streams can be purchased through selected superannuation funds and insurance providers. You choose
how much of your money to allocate, and the provider determines your regular payment. Many options include inflation adjustments to help your income keep pace with rising living costs.
Is It Right for you?
While lifetime income streams won’t suit everyone, they can form an important part of a solid retirement strategy, especially for those seeking simplicity, security, or guaranteed cashflow. Most retirees find that combining a lifetime income stream with an account-based pension gives them the best balance of certainty and flexibility.
Keen to Explore Your Options?
Retirement should be about enjoying the lifestyle you’ve worked hard for, not stressing over whether your super will last. If this sounds like something that could give you more peace of mind, the next step is simply to explore how it might work for you. A lifetime guaranteed income stream may help provide the stability needed to make that happen. Speak with Erryn from Cherry Wealth, as an adviser, she could help you gain a clearer picture of whether a lifetime income stream could help support the retirement lifestyle you want.
Erryn Langley
Director and Financial Adviser - GradDipFinPlan
Authorised Representative No 1269525
T:1300 557 144 Email: erryn@cherrywealth.com.au
Website: www.cherrywealth.com.au
Office Address: Suite 4 / 4 - 6 Croydon Road, Croydon 3136
Postal Address: PO Box 657, Croydon VIC 3136
Financial Planning is offered via Cherry Wealth Pty Ltd Ltd ABN 14 653 375 458
Cherry Wealth is a Corporate Authorised Representative (No. 1314769) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the Centrepoint Alliance group https://www.centrepointalliance. com.au/
Erryn Langley is Authorised representative (No. 1269525) of Alliance Wealth Pty Ltd.
This information has been provided as general advice.We may not have considered your financial circumstances, need or objectives. You should consider the appropriateness of the advice.You should obtain and consider the Product Disclosure Statement (PDS) and seek assistance from an authorised financial adviser before making any decisions regarding any products or strategies mentioned in this communication.
Whilst all care has been taken in the preparation of this material. It is based on our understanding of current regulatory requirements and laws as at the publication dates. As these laws are subject to change you should talk to an authorised adviser for the most up to date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.
Centrelink
When Can a Final Tax Return Be Lodged in Australia?
RETIREMENT
By: Jodie Moore
Most Australians lodge a tax return every financial year, but many people are unsure about when to lodge a Final Return the last return before the taxpayer no longer has tax obligations. The Australian Taxation Office (ATO) has clear rules about when a return should be marked as final, and understanding these rules avoids unnecessary complications or delays.
This article explains when final tax returns apply to individuals, trusts, and companies, the main steps required before lodging, and an important reminder that retirement alone does not trigger a final return.
Final Tax Return for Individuals
For individuals, a final tax return is generally required only when a person dies, or when someone becomes a non-resident for tax purposes and no longer earns Australian-sourced income.
When it can be lodged
A final return can be lodged once all income earned up to the date of death or the date residency ceases has been accounted for. Where a person has died, their executor or legal personal representative lodges the return covering the part-year period.
Steps before lodging
1. Notify the ATO (for deceased estates) so the estate can be linked to the executor.
2. Gather final income details such as wages, investment income, government payments and capital gains.
3. Determine if a deceased estate return is needed when the estate continues to earn income.
4. Lodge the return marked “Final return” and include all assessable income and deductions to the relevant date.
Important: Retirement Is Not a Reason to Lodge a Final Return
Many people assume that when they retire, they should lodge a final return because they will no longer be earning employment income. However, the ATO does not treat retirement as a reason to stop lodging tax returns.
Most retirees still have taxable income, such as:
• superannuation pensions (taxable for some individuals),
• investment income (interest, dividends, managed funds),
• rental income,
• capital gains from selling assets.
Because of this, simply stopping work does not end your tax obligations.
What to do when you retire
• Continue lodging tax returns each year if you earn taxable income above the tax-free threshold or if the ATO specifically requires a return.
• If you genuinely stop earning taxable income, you can complete a Return Not Necessary with the ATO instead of lodging a final return. This informs the ATO that you don’t
need to lodge future returns unless your circumstances change.
• If your situation changes later—e.g., you sell shares or property and make a capital gain—you may need to start lodging again.
If you incorrectly lodge a Final return or Return Not Necessary, when you pass away your Estate is going to have to go back over the previous years to fix it up. As you can imagine, this can be a painful process especially if your family is having to deal with their grief at the same time.
Final Tax Return for Trusts
A trust lodges a final return when it has been wound up, assets are fully distributed, and it ceases to exist.
Steps before lodging
1. Finalise all trust income activities, including capital gains.
2. Distribute all income and capital to beneficiaries.
3. Prepare final financial statements supporting the return.
4. Lodge the return and tick “Final return.”
Final Tax Return for Companies
Companies lodge a final return when they are liquidated, deregistered, or permanently cease trading.
Steps before lodging
1. Cease all trading activities and finalise accounts.
2. Complete all BAS, GST, PAYG and super obligations.
3. Dispose of assets and settle liabilities.
4. Prepare final financial statements.
5. Tick “Final return” on the company tax return, then proceed with ASIC deregistration.
Final Thoughts
A final tax return isn’t something lodged lightly. It’s appropriate only when a taxpayer (individual, trust, or company) no longer exists for tax purposes or will no longer earn assessable income. Retirement, on its own, does not meet that definition. If in doubt, a registered tax agent can help you determine whether you should keep lodging, lodge a final return, or submit a non-lodgment advice.
For Retirement Planning and Aged Care: Websites to visit in Australia
AGED CARE
By Warren Strybosch
Planning for retirement and navigating aged care decisions can feel complex and overwhelming. From understanding superannuation rules and Centrelink entitlements to comparing accommodation options and managing aged care fees, retirees and their families face a wide range of important financial decisions.
Thankfully, there are several high-quality, non-government websites in Australia that provide trusted information, education, and professional support to help people make confident choices. Below are some of the best retirement planning and aged care websites that retirees and their families should consider visiting: www.findretirement.com.au
Find Retirement is one of Australia’s leading and award-winning retirement and aged care advisory firms. Their website is designed to help retirees and families make confident decisions about retirement living, downsizing and aged care placement.
Find Retirement specialises in:
• Retirement village and aged care placement assistance
• Explaining aged care costs, including refundable accommodation deposit (RAD) and daily accommodation payment (DAP) options
• Helping families compare villages, providers and locations
• Providing independent, unbiased advice
• Offering personalised guidance during what can be an emotional transition
What truly sets Find Retirement apart is its independence The business is not owned by any retirement village or aged care provider, meaning the guidance provided is free from conflicts of interest. Its reputation as an award-winning firm reinforces the level of trust, professionalism and care it brings to families across Australia.
SuperGuide – www.superguide.com.au
SuperGuide is one of Australia’s most respected independent retirement and superannuation education websites. It has been helping Australians understand super and retirement planning for many years.
The website covers topics such as:
• Superannuation contribution limits and strategies
• Transition-to-retirement planning
• Retirement income streams and drawdown strategies
• Age Pension rules and entitlements
• Tax considerations and investment approaches in retirement
SuperGuide is commonly used by pre-retirees and retirees who want to educate themselves and make more informed decisions — either independently or before meeting with a financial adviser. The content is written in clear, accessible language and is regularly updated to reflect changes in legislation and superannuation policy.
Aged Care Steps – www.agedcaresteps.com.au
Aged Care Steps is a highly regarded specialist education platform focused exclusively on aged care financial strategies. While it is widely used by financial planners and aged care professionals, it is also a valuable resource for retirees and their families seeking to understand the financial and regulatory complexities of aged care.
The website focuses on:
• The financial impact of entering aged care
• Strategies for managing and reducing aged care costs
• How aged care and Centrelink interact
• Educational guides, videos and webinars
• Best-practice financial solutions for families
Aged Care Steps is ideal for those who want a deeper understanding of the technical and financial aspects involved in aged care decisions. It empowers families to better understand their options and engage more confidently with advisers and care providers.
The ASFA website is a leading industry resource for superannuation and retirement information in Australia. While it represents superannuation funds, it operates independently of government and provides valuable, research-based content to the public.
ASFA offers:
• Guidance on superannuation and retirement planning
• Research on the cost of retirement in Australia
• Educational articles for retirees and pre-retirees
• Insights into lifestyle costs and long-term planning
• Updates on superannuation and retirement policy changes
ASFA is best known for its “Retirement Standard”, which estimates how much money Australians need to fund a comfortable or modest lifestyle in retirement.
Final Thoughts
The transition into retirement — and in some cases aged care — is one of the most significant life changes a person can make. Accessing reliable, independent and easy-tounderstand information can make all the difference.
For Australians seeking clarity and peace of mind, these websites provide valuable support:
• Find Retirement – Award-winning support for retirement living and aged care decisions
• SuperGuide – Trusted education on superannuation and retirement income strategies
• Aged Care Steps – In-depth information on aged care financial strategies
• ASFA – Industry-backed insights into retirement standards and superannuation planning
Whether you are planning ahead or facing immediate aged care decisions, these platforms offer the guidance and confidence needed to move forward with greater certainty and control.
Here are the contact phone numbers for the organisations listed (where they are publicly available):
• Find Retirement — Phone: 1300 883 830 (to book an initial phone appt: https://calendly.com/findgroup/15minute-phone-conversation)
• SuperGuide — Phone: 1300 300 273
• Aged Care Steps — (no publicly listed single -line phone number; best to use website contact form / enquiry email)
• ASFA (Association of Superannuation Funds of Australia) — Phone: +61 2 9264 9300 or 1800 812 798 (outside Sydney)
Financial Planning, SMSF, Super, Insurance, Pre-Retirement & Retirement Planning (Financial Planning) are offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth, Find Insurance and Find Retirement. Find Wealth Pty Ltd is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the
Centrepoint Alliance group (www.centrepointalliance.com.au/fsg/aw).
Warren Strybosch
Authorised Representative (No. 468091) of Alliance Wealth Pty Ltd.
This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.
Whilst all care has been taken in the preparation of this material,it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.
Warren Strybosch Award winning Financial Adviser
Part of the Find Group of Companies
Manningham Matters Introductory Article
EV Strengthening Communities has launched a new service called the Virtual Volunteer Navigation Hub. The Virtual Volunteer Navigation Hub is a service available for anyone who is interested in finding volunteer opportunities in their local area according to their interests or needs. Prospective volunteers will submit a registration form on our website or via QR codes on postcards and flyers.
We have trained volunteer assessors who will meet with prospective volunteers online via Microsoft Teams or at our office in Ringwood to discuss the volunteer opportunities that are available locally. These volunteer opportunities would be referred to these volunteers to apply independently or with our support if requested. We also provide support in completing our registration form on our website if requested.
Feel free to send in a registration form on our website www.ev.org.au and select “I want to volunteer” OR scan the provided QR code to direct you straight to the registration form if you are interested in getting support in finding volunteer opportunities.
Manningham Council
Have your say on new bike facilities at Fitzsimons Reserve, Templestowe
Fitzsimons Reserve is set for an upgrade, creating a more connected, inclusive and sustainable space for local residents and visitors.
Manningham Mayor, Councillor Jim Grivas said the upgrade is about giving the community more opportunities to get outdoors, stay active and enjoy Manningham’s natural environment.
“We want this space to reflect what matters to you. Now is your chance to tell us what you think about the proposed improvement at Fitzsimons Reserve and to help shape the final design of these exciting upgrades,” Cr Grivas said.
Proposed improvements include:
• Manningham’s first mountain bike flow trail for riders of all abilities
• a new canoe launch ramp upstream of the rapids
• additional parking for easier access
• tree planting to enhance habitat links for local wildlife
• new park furniture and updated signage
“This upgrade marks an important step in bringing our longterm vision to life. Your feedback and ideas will help us create a trail that riders of all skill levels can enjoy,” Cr Grivas said.
Learn more and share your feedback on the proposed improvements and concept plan for new mountain bike facilities at Fitzsimons Reserve. Complete the survey by Monday 15 December at yoursay.manningham.vic.gov.au/fitzsimonsreserve-upgrade.
Manningham Council is delivering this project as part of its Parks Improvement Program and Recreational Bike Facilities Plan.
Construction of the mountain bike flow trail and canoe launch is scheduled to begin in February 2026 and will take around two months, subject to weather conditions. The reserve will remain open throughout the works.
The mountain bike flow trail will be the first bike facilities delivered under Manningham Council’s Recreational Bike Facilities Plan, endorsed in October 2025.
Manningham Council release Warrandyte Community Facilities Review Manningham Council
Manningham Council has released a report outlining opportunities for improving community facilities in Warrandyte.
Over the past 18 months, Council consulted with more than 30 stakeholders including community groups and facility users. This process included detailed needs analysis and building condition assessments to better understand community needs and ensure future works result in fit for purpose facilities.
Manningham Mayor, Cr Jim Grivas, said “this review was a key recommendation of the Manningham Community Infrastructure Plan released in 2023.
“The review aimed to identify priorities for Warrandyte community infrastructure and ensure facilities deliver maximum benefit to the community. Maximising usage of our facilities by different demographics in our community is a key recommendation of the Community Panel earlier this year and is reflected in our new Council Plan.
“No decisions have been made yet. Each opportunity will be further investigated with the Warrandyte community and there will be more consultation with user groups. I thank all the groups who have contributed time and shared their feedback with us,” Cr Grivas said.
“We will continue working closely with them as we explore the opportunities outlined in the report.”
Opportunities included in the report include:
• Expanding and upgrading the Warrandyte Community Hall in Warrandyte Reserve to allow for increased use, such as relocating the Warrandyte Scouts and Men’s Shed
to this site. A feasibility study to explore this option will be undertaken in 2026.
• Advocating to the Victorian Government to relocate the Warrandyte Kindergarten to a new purpose-built facility at one of the two primary schools in the township.
• Subject to the successful relocation of Warrandyte Kindergarten, consider moving the Warrandyte Childcare and Preschool to a new purpose-built facility on the Taroona Ave site.
• Progressively improving the Warrandyte Reserve sporting facilities and looking at options to increase pavilion use.
• Exploring opportunities to accommodate additional users or services in the Warrandyte Community Centre.
• Addressing the long-term needs of the Warrandyte Historical Museum, with the preferred option to firstly explore the potential to update the current building.
• Exploring options at Colman Park for increased use including the main pavilion and sports ground, tennis facilities and the horse and pony grounds.
We will now begin investigating these opportunities and consulting with stakeholders as part of long-term planning. The immediate priority is a feasibility study commencing in 2026 for the potential future expansion and upgrade of the Warrandyte Community Hall.
Community can provide feedback on the report at Your Say Manningham until Thursday 18 December.
Gum Nut Gully Preschool to remain at bushland site Manningham Council
Gum Nut Gully Preschool will remain at its current location in Doncaster East following Manningham Council’s decision not to support a proposal to rebuild it at a new site.
Instead, Manningham Council will advocate to the State Government for the necessary funding to plan and build a custom-designed facility at the preschool’s current location on Larnoo Drive in Doncaster East to support the kindergarten to meet the requirements of the Victorian Best Start Best Life reforms.
The unanimous Council decision on Tuesday 25 November follows extensive community consultation in August about the proposal to relocate the preschool to a new modular building in nearby Corsican Reserve in Corsican Ave, Doncaster East.
Council received 279 survey responses to a Your Say Manningham survey on the matter. The feedback was also supported by a community-led petition presented to Council with 967 signatories.
Manningham Mayor, Cr Jim Grivas, said the community was overwhelmingly in favour of keeping the preschool in its current location next to the Mullum Mullum Linear Park.
“We’ve listened to the community, who have made it clear why the preschool’s bushland setting is so special, and how vital it is to its much-loved bush kinder program,” Cr Grivas said.
“We’re committed to working with the preschool and the community to find the best way forward, ensuring local children receive high-quality educational experiences.
“I’d like to thank the Gum Nut Gully Preschool Committee, families and the many local residents who have provided their feedback,” Cr Grivas said.
The long-term future of the preschool cannot be guaranteed in its current building, which is almost 40 years old and reaching its end of life.
In 2024, Council received a $3 million grant through the Victorian Government’s Building Blocks program to build a new two-room modular-style preschool, providing space for extra kindergarten places and allowing it to deliver on the Best Start Best Life reforms.
However, site investigations by the Victorian School Building Authority revealed the current site is not viable to build the funded modular building due to planning considerations such as bushfire controls and tree loss. Nearby Corsican Reserve was identified as the best alternative, subject to community consultation.
“As a result of the community’s strong opposition to the proposal, we will now explore the potential to rebuild a traditional or bespoke modular two-room preschool in Larnoo Ave,” Cr Grivas said.
“This will cost significantly more than the original proposal, due to the unique attributes of the site. We will therefore need State Government support and will strongly advocate for the funding needed to make this happen.”
The decision comes as Council also adopted its Early Years Infrastructure Plan at the 25 November 2025 Council Meeting. The plan will guide the planning, maintenance and investment in early childhood services facilities in Manningham.
This includes expanding and upgrading Council-owned kindergarten facilities in high-demand areas with funding from the State Government, and working with the State Government to create new kindergartens on school sites.
The Early Years Infrastructure Plan is available to read in full at yoursay.manningham.vic.gov.au/early-years-infrastructureplan
Countdown to Manningham Carols by Candlelight Manningham Council
Manningham’s much-loved Carols by Candlelight returns on Friday 12 December, bringing festive cheer to Ruffey Lake Park in Doncaster East.
Experience a magical evening of live music, entertainment and delicious food under the stars – capped off by a dazzling fireworks display.
This year’s event will be hosted by star performer Lucy Durack and local Carols favourite Richard Thomas. They will be joined on stage by a huge line up of local and national artists, with a special guest appearance by Santa himself.
Lucy Durack is one of Australia’s most well-known leading ladies, with major roles in productions including Wicked, Shrek the Musical, Legally Blonde and Midnight the Musical as well as TV series The Letdown, Sisters, A Perfect Pairing and Doctor Doctor. She’s been a judge on Australia’s Got Talent and performed on The Masked Singer.
“I can’t wait to see you at Manningham Carols by Candlelight,” Lucy said.
Richard Thomas has been entertaining audiences for more than 25 years. His musical theatre credits include Mame, Sweet Charity, Follies, The Secret Garden, Les Miserables, Chicago, Rebecca, The Producers, The Phantom of the Opera and Mary Poppins.
The evening will start at 6:00pm with pre-show entertainment on stage and activities for the kids. The main event kicks off at 7:15pm, ending with a spectacular fireworks display at 9:30pm. Bring a picnic, or enjoy delicious food from one of the food trucks on site.
This is a free, but ticketed event. Register online at manningham. vic.gov.au/carols to receive the latest event updates, including any changes due to extreme weather.
Proudly presented by Manningham Council, this event is sponsored by Opal Healthcare, Mercedes Benz Silver Star, Barry Plant and Hologram Zoo.
For more information and updates, visit the Manningham Council website, manningham.vic.gov.au/carols, or follow Manningham Council’s Facebook page.
