Welcome to FY 2025–26 | Reset, Refocus & Realign for a Strong Financial Year
As the new financial year begins, it’s more than just a page turn on the calendar—it’s a valuable opportunity to review your financial strategies and set clear, achievable goals.
Whether you’re a business owner navigating growth or an individual focused on building wealth, FY 2025–26 is your fresh start to realign your priorities and optimise your financial wellbeing.
At Strategem Financial Services, we believe in forward-thinking strategies and proactive planning to help you make the most of the year ahead. Here’s how you can begin.
1. Set Your Financial Targets
Start with a clear vision:
Where do you want to be financially by June 30, 2026? Setting well-defined short- and long-term financial goals creates structure and accountability. These may include:
Increasing business revenue or reducing overheads
Growing personal savings or investment portfolios
Paying off high-interest debt
Saving for a major milestone (e.g. home purchase, education, or retirement)
Make your targets SMART—Specific, Measurable, Achievable, Relevant, and Time-bound—to stay on track throughout the year.
Tip: Review last year’s performance as your benchmark, and consider working with your adviser to map out quarterly check-ins for accountability.
2. Review Your Tax Strategy
A new financial year is the best time to revisit your tax planning. An effective tax strategy not only helps reduce liabilities but can also support wealth creation. Key areas to review include:
Optimising deductible expenses (both business and personal)
Salary packaging and fringe benefits
Reviewing superannuation contributions
Capital gains planning
Structuring your business or investments more tax-effectively
The earlier you engage in tax planning, the more flexibility you have to take advantage of opportunities—especially ahead of EOFY 2026.
Want to go deeper? Download our Tax Planning Guide for more insights.
3. Plan for Growth
Growth looks different for everyone. For some, it’s expanding their business. For others, it’s building a stronger investment base or reducing risk exposure. Your growth strategy should reflect your current life stage, risk tolerance, and broader financial goals.
Questions to ask yourself:
Are your investments aligned with your goals?
Is your business equipped for growth—operationally and financially?
Are you taking advantage of government incentives or grants?
Have you accounted for rising costs and inflation in your planning?
Working with a Strategem adviser means you’ll gain a partner who understands your financial story and provides tailored solutions to support sustainable growth.
Ready to Start the New Financial Year Strong?
Starting FY 2025–26 with intention and guidance can make all the difference. At Strategem, our experienced advisers are here to help you clarify your goals, implement smart strategies, and keep you on track throughout the year.
Let’s talk strategy. Contact us today to book a planning session.
We are here to help
If you need further advice, please do not hesitate to contact our office on (03) 5445 4777 and one of our Accountants & Advisors are available to support you.
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