Tag Archive: tax planning

Tax Planning – Strategies & Opportunities for Business Owners

Posted on November 12, 2019
by Tim O’Brien

4 min 30 sec read

Contents

  • Taking Time for Your Bottom Line – Why Tax Planning is Important
  • What does Tax Planning involve?
  • How to get Started – Questions to Ask Yourself
  • Questions to Ask Your Accountant or Business Adviser
  • When Should You See Your Accountant or Business Adviser?
  • Little Effort, Big Gain – Next Steps

As a business owner you probably have some goals you want to reach for your business. Do you know what strategies to put in place to get there or have a trusted adviser guiding you?

One strategy that all businesses should have set up is tax planning. As a business owner tax planning can be an exciting process – as it’s a real opportunity to stop, reflect and take charge of your business by planning ahead and focusing on the numbers of the future rather than of the past.

Achieving your business goals is much simpler with tax planning, but it’s equally important even if you don’t have goals and just want to make sure the business is running smoothly. It’s not until someone delves into the business that you realise there are improvements you can make.

Unfortunately, not all accountants offer tax planning or business advice, so if you work with an accountant it’s worth asking them about it. If they do then it’s a great opportunity for you to move forward, but if they don’t then we suggest seeing a business adviser to guide you through the process.

Taking Time for Your Bottom Line – Why Tax Planning is Important

Why does our team at BLG believe tax planning is one of the most important annual events for all our clients?

For business owners, it’s a great opportunity to down tools for 5 minutes and take stock of where they are at. It’s also as good a time as any to take a moment to be proud of what you have achieved, critical of what you haven’t, and envisage where you want your business to be in 3 months-time, in a years-time, in 5 years-time depending on your goals.

As business advisers, tax planning is an opportunity for us to help business owners be proactive with their business, provide valuable input around their projected earnings and tax position and show you how the business is performing as opposed to how you think it’s performing. This planning is extremely important for the long term success of any business.

Make tax planning that one time of the year where you actually do set aside a day to step back from your otherwise hectic schedule to assess the health of your business (and yourself for that matter). There’s a good chance your customers, employees, family and friends, and business bottom line will thank you for it!

What does Tax Planning involve?

In more detail, tax planning means reviewing your current business, asset, and liability position before the end of the financial year, and will give you an understanding of where the money you are making is going. It also involves identifying any opportunities or areas of concern in your business so you can make financial decisions in the short to medium-term that are well-informed. Through tax planning, business owners have the option to implement strategies before 30 June that manage your tax position.

How to get Started – Questions to Ask Yourself

If you are unsure about seeing an accountant or business adviser it’s a great idea for you, as the business owner, to review your business by asking some key questions. Answering these questions will help create a picture of how your business is tracking:

  • Are your sales in line with your expectations? If not are there opportunities to reach out to new customer bases? Are less profitable customers impeding your ability to service your better ones?
  • Do you have issues with collection of debtors? If not do you need to address your payment terms? Are you chasing your debtors promptly and regularly?
  • Are you incurring unnecessary expenses? Are you getting an adequate return on any advertising spend?
  • Are there expansion opportunities within your current business? If so what do you need to put in place to explore these?
  • Are your investments providing the returns you were hoping for?
  • How does this year’s performance compare to last year?
  • Are there any opportunities you should be taking advantage of?
  • Have you provided for any potential tax liability?
  • Are there any strategies you should be implementing prior to 30 June to manage your tax liability?

Once you’ve answered these questions it is our hope that you will feel comfortable with your business position and ready to forge ahead. Or maybe the results were not crash hot like you were expecting and you need some direction. Whatever your review turned up, setting up tax planning is the recommended next step.

Whether you decide to see an accountant or business adviser following your business review, just make sure they offer ‘Tax Planning’, not just Tax Advice, as they require different approaches. We give you a hand with this below.

Questions to Ask Your Accountant or Business Adviser

So what about us? What should accountants or business advisers be able to offer to create an effective tax planning strategy for your business?

To determine whether the accountant or business adviser you are meeting with can help you in the right way, you should really only need to ask two questions to receive the necessary feedback. But make sure that any advice they do offer is tailored for your business. Following are the questions and the types of responses you should be getting back.

  1. How does your tax planning process work?

The accountant or business adviser should offer the following:

  • A review of your year-to-date performance in comparison to previous financial years
  • Feedback on your business performance compared to industry standards
  • Commentary on any trends or areas of concern in your year-to-date figures
  • A review of your financial structuring
  • Business profit and income tax projections which in turn assist in all important cash-flow planning
  • A projection of your year end results based on our knowledge of your business
  • The ability to implement any changes that need to be made before the end of the financial year
  1. What are some of the tax planning strategies you suggest?

On the back of the above business analysis they should then suggest some strategies to help manage your tax liabilities and strengthen your balance sheet. Some of these include:

  • Taking advantage of any government incentives like the $30,000 instant asset write-off
  • Reviewing the remuneration packages of related employees
  • Maximising your superannuation contributions following past reforms, and detail any impact the reforms may have on you and your family group
  • Advising the minimum pensions to be paid from your superfund for the fund to maintain its tax exempt status
  • Assessing the viability of any salary-sacrifice options
  • Reviewing your current business structure
  • Review of the groups assets and liabilities
  • Ensuring compliance with Division 7A in relation to Director’s loan accounts and unpaid present entitlements (unpaid trust distributions)
  • Reviewing your ledger for potential unrecoverable debts or obsolete items of stock or equipment to be written off
  • Reviewing your Estate Planning and Succession Planning
  • Managing and advising you of your estimated tax position

At the end of a tax planning process with your accountant, you should expect to walk away with more insight into your own business, a greater level of surety to make short to medium-term financial decisions, and therefore be in a better position to take advantage of any opportunities available to you.

If you are ready for the next step to make sure your business future is strong and secure, feel free to take our team through the tax planning hoops and get the answers you deserve here.

When Should You See Your Accountant or Business Adviser?

When it comes to tax planning there are specific items that need to be performed ahead of the end of financial year. So it’s important to decide on an accountant or business adviser you are happy with now and meet with them in the last quarter of the financial year to ensure your strategies are set up in the right way.

Making sure you have covered all your bases ahead of financial year end will put you in good stead and may save you thousands or even tens of thousands off your tax bill. Like many other aspects of your financial life, through knowledge and understanding comes clarity and improvement.

Little Effort, Big Gain – Next Steps

No matter how big or small your business is, tax planning is worth considering.

Remember, it’s not just about tax, it’s about gaining a better understanding of your business as a whole and putting goals in motion. With the right advice you can achieve more than what you expect.

Although the process may involve an extra trip to the accountant, I believe it is an area of our work where we provide further value for money.

Your business is your livelihood so make sure you meet with a trusted accountant or business adviser for your tax planning.

If you are investigating a number of business advisers before making your decision, our team at BLG are available to delve into your business and show you a clear direction. There is no cost involved in an initial discussion with us about your business, and if you feel we aren’t the right fit for you then there’s no obligation to work with us, so why wait? We encourage you to get in touch today and get things moving!

Keep in mind your tax planning will need to be done prior to 30 June, ideally early in the last quarter of the financial year, so that any necessary action can be taken before year end.

Wishing you every success!

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Key Due Dates for the 2019/20 Financial Year

Posted on September 1, 2019
by Tim O’Brien

You are completely in control and on top of what seems to be the ever-growing list of responsibilities and actions you need to make happen. Right? If you answered a resounding ‘No!’ to this then you aren’t alone. One of the bothersome but necessary tasks to keep track of within your business are the many, many dates that payments and reports are required.

This is why we originally created, and have kept creating, this list of due dates for lodgments, payments and reports to the Australian Tax Office (ATO) each financial year.

This list of dates relate primarily to your tax and superannuation, but also mention a few other requirements.

Feel free to also download a copy as a reminder.

Following all the legislation changes that have occurred over the last year you may also benefit from reading about the July 2019 changes that Michael Lamont has covered.

Our team is here to provide advice or guidance in preparing your lodgments, as well as answer any questions about the dates listed. For this or other business queries, please get in touch with our team at BLG Business Advisers online or by calling (02) 4229 2211.

Resource - Key Due Dates for 2019/20 Financial Year

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Land Tax – What is it?

Posted on July 22, 2019
by Maria Ackroyd

Land tax is a state tax and is one of several charges you may be required to pay when you buy property. This tax generally applies to those who own, or jointly own, a property in NSW that is not their primary place of residence, or that is not exempt and is above a certain land value threshold.

We go through all the details below.

Land Tax Exemptions

You are generally not required to pay land tax on:

  • your home (primary place of residence)
  • your farm (primary production land)
  • land you own with a total taxable value below the land tax threshold (listed below)

Land Tax Key Points

  • Land Tax is payable on property you own with a total taxable value above the land tax threshold and can apply to vacant land, commercial premises, investment properties or holiday homes
  • Land tax is assessed on 31 December each year on unimproved land you own
  • Land owners need to self-assess and register for Land Tax if required

Land Tax Thresholds

Land Tax is a state tax where thresholds change every year so you need to be aware of the rates and limits in each state where you hold property.

  • 2019 General land tax threshold is $692,000
  • 2019 Premium land threshold is $4,231,000
  • Individuals, most partnerships, companies and superannuation funds are generally entitled to the threshold
  • ‘Special Trusts’, including most discretionary trusts, are NOT entitled to the threshold and taxed on the total value of their property
  • If the combined value of your land does not exceed the threshold, no land tax is payable
  • Land tax is calculated on the total value of all your taxable land above the land tax threshold
  • Land Tax for general land is calculated at $100 plus 1.6% in excess of the land value threshold, where the premium land attracts a higher charge of 2%

If you are registered for Land Tax you will receive your Land Tax Assessment in January, outlining properties that are liable and whether they qualify as general or premium land. If you disagree with any land values used in your assessment, you can submit an objection within 60 days from the date of issue.

Find out more about NSW Land Tax here, and if you would like to discuss your property situation our team is happy to assist you. Get in touch with BLG Business Advisers online or by calling (02) 4229 2211.

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Tax Reforms Impacting Property Ownership

Posted on July 8, 2019
by Glen Bower

There has recently been significant media coverage on potential tax reforms impacting property ownership in Australia. Although the Australian Labor Party’s proposed changes to negative gearing and capital gains tax (CGT) are now off the political agenda for at least the next three years following the recent federal election, there have already been some significant changes to taxation laws pertaining to real property in recent years, both at a state and federal level. These changes impact on all types of real property (i.e. residential, commercial and industrial) and property owners (i.e. home owners, investors and developers).

Below is a summary of some of the key changes to property-related taxation laws along with further reforms recently announced by the federal government that are now expected to be finalised and implemented within the short-term:

NSW Surcharge Purchaser Duty & Surcharge Land Tax

Commencement Date:    21 June 2016

Change:

Foreign purchasers of residential land in NSW are liable for Surcharge Purchaser Duty of 8% on the dutiable value (the price you paid or market value, whichever is higher) of the property, in addition to any transfer duty (increased from 4% for agreements entered into on or after 1 July 2017). Further, foreign owners of residential land in NSW are liable for Surcharge Land Tax of 2% on the taxable value of all NSW residential land held as at 31 December each year, in addition to any general land tax (increased from 0.75% from the 2018 land tax year).

The definition of a ‘foreign person’ for the purpose of these surcharges can be complicated, in particular in respect to entities such as companies and trusts.

Similar surcharges have recently been introduced by most other Australian states.

Foreign Resident Capital Gains Withholding

Commencement Date:    1 July 2016

Change:

Foreign resident capital gains withholding (FRCGW) of 12.5% (non-final) applies to foreign resident vendors disposing of the below assets:

  • Taxable Australian real property with a market value of $750,000 or more (residential and commercial);
  • Indirect Australian real property interests (i.e. shares / units); or
  • Options or rights to acquire any of the above asset types.

From 1 July 2017, the withholding rate increased from 10% and the market value threshold decreased from $2 million.

Capital Allowances

 Commencement Date:    1 July 2017

Change:

Limit on deductions for the decline in value (depreciation) of certain second hand depreciating assets in residential investment properties (i.e. furniture, hot water systems, floor coverings, whitegoods etc) acquired after the 9 May 2017 or used for any private purposes prior to the 2018 financial year.

Travel Expenses

 Commencement Date:    1 July 2017

Change:

Travel expenses relating to residential investment properties are not deductible and cannot be included within the cost base of the property for CGT purposes (even when incurred to inspect or maintain rental properties or to collect rental income).

Purchaser GST Withholding

Commencement Date:    1 July 2018

Change:

Purchasers of new residential premises, and potential residential land, are required to withhold and remit the GST component of the purchase price directly to the Australian Taxation Office (ATO) on or before settlement. Transitional arrangements apply to contracts entered into prior to 1 July 2018 where any consideration, other than the deposit, is provided prior to 1 July 2020.

Main Residence Exemption for Foreign Residents

This change is not yet law (legislation was introduced into federal parliament in February 2018)

Commencement Date:    9 May 2017 (refer below for transitional arrangements)

Change:

Foreign residents no longer entitled to claim the main residence exemption when they dispose of residential property in Australia. For properties held prior to the 9 May 2017, the exemption will only be able to be claimed for disposals that happen up until 30 June 2019 and only if they meet the requirements for the exemption. For disposals that happen from the 1 July 2019, foreign residents will no longer be entitled to the exemption.

For properties acquired after 9 May 2017, the exemption will no longer apply to disposals from that date.

Vacant Land

This change is not yet law (exposure draft legislation was released for consultation in October 2018)

Commencement Date:    1 July 2019

Change:

Tax deductions denied for expenses associated with holding vacant land (i.e. interest, rates), even if the intention is to construct a building / dwelling to derive assessable income. Non-deductible expenses are unable to be deducted in later years but can be included within the cost base of the property.

Other Changes / Developments

  • First Home Loan Deposit Scheme: Recently announced initiative from the Liberal Party to support eligible first home buyers to purchase a house with a deposit of at least 5%.
  • Additional CGT discount for ‘Affordable Housing’: Additional CGT discount of up to 10% for dwellings, used to provide affordable housing for at least 3 years.
  • First Home Super Saver Scheme: Saving mechanism via superannuation to support the acquisition of first homes.
  • Superannuation ‘Downsizer’ Contributions: Individuals aged 65 years or over can make a one-off contribution of up to $300k from the proceeds of selling a home, subject to satisfying applicable eligibility criteria.

As highlighted above, property ownership in Australia can be impacted by many complicated and evolving taxation laws. Further, the recent royal commission into the banking industry has had a noticeable impact on the ability to obtain finance. It is increasingly important to seek specialist advice from a qualified tax professional when considering property acquisitions or disposals.

Take this opportunity to get in touch with our experienced team at BLG Business Advisers to arrange an appointment online or by calling (02) 4229 2211.

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So the Coalition won – What does this mean?

Posted on May 27, 2019
by Luke Bland

The Liberal-National Coalition has emerged with a surprise victory following the election, with the promise of lower taxes evidently enough to sway voters. With the vast majority of media coverage leading up to the election focusing on Labor’s proposed tax policies (restricting negative gearing, denying franking credit refunds, taxing trusts at a minimum of 30% and reducing the 50% discount on capital gains to 25%), what does it mean now that we know the Coalition has retained power?

Firstly, they were strongly opposed to Labor’s four core policies mentioned above, so taxpayers don’t need to worry about the issues that were being raised by these policies. Outside of opposing these policies, there wasn’t much that the LNP brought to the election other than what was previously announced, either in their budget on 2 April or prior.

Businesses

Instant Asset Write-off

The instant asset write-off has been increased and extended. From 2 April 2019, businesses with annual turnover of less than $50 million will be able to claim an outright tax deduction for asset purchases under $30,000 (rather than having to capitalise and depreciate these asset purchases).

Small Business Company Tax Rate

The government will decrease the company tax rate (and the franking rate) for companies with annual turnover of less than $50 million to 26% for the 2020-21 tax year and to 25% from 1 July 2021.

Deferral of Proposed Division 7A Changes

The proposed changes will not be implemented until 1 July 2020 (as opposed to the previously announced 1 July 2019) as there have been many issues raised that need to be addressed before the legislation can be drafted.

ABN Holders

ABN holders will be required to meet their income tax return lodgement obligations from 1 July 2021 and confirm the accuracy of their details on the ABN register annually from 1 July 2022, in order to remain an eligible ABN holder.

ATO Tax Avoidance Taskforce

The LNP have announced an extra $1 billion over 4 years for the ATO to undertake additional compliance activities targeting high wealth individuals, trusts and family groups, as well as large public companies and multinationals.

Individuals

Tax Offsets

An additional low and middle income tax offset of up to $1,080 will be available for individuals earning up to $90,000, being phased down to nil once your income exceeds $126,000.  This offset will automatically be applied upon lodgement of your 2019 income tax return.

Marginal Tax Rates

Individuals earning over $37,000 will see a decrease in their marginal tax rate from 1 July 2022, when the upper limit of the 32.5% tax bracket jumps from $37,000 to $41,000. The 37% bracket limit will increase from $90,000 to $120,000.

From 1 July 2024, the 32.5% rate will fall to 30% and this rate will apply from $41,000 to $200,000. Labor opposes these “high end” tax cuts so the government may find it challenging to have these measures enacted.

Superannuation

Individuals aged 65 or 66 will be able to make voluntary superannuation contributions without having to meet the work test. Further, they will be able to access the “bring-forward” rule, allowing them to contribute up to $300,000 of non-concessional contributions (depending on other factors).

If you are looking for some assistance to navigate the legislations our team are available to guide you. Take this opportunity to get in touch with BLG Business Advisers online or by calling 02 4229 2211.

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Planning for New Business Owners

Posted on May 6, 2019
by Tim O’Brien

Ok so you have your brilliant new business idea that is going to bring you unprecedented wealth. Or perhaps you’ve acquired or overtaken an existing business and plan to hit the ground running.

When starting out it is important to arm yourself with as much knowledge as you can. This includes the general details about your own business, the industry you are operating in, your customers and competitors. However, also of great importance is a basic understanding of what could potentially lie ahead from a taxation and financial point of view.

New Business Considerations

Here are but just a few things to consider for start-up or relatively new businesses:

  • Have you sought advice on how to structure your business? This is critically important in maintaining the protection of your other assets, paying an efficient and appropriate rate of tax, and also in allowing for future financing and investing opportunities
  • Will you have any significant initial financial outlays, for example stock, equipment, rebranding etc? Will you need to borrow funds to make this happen? Do you have the borrowing capacity given the increasingly tighter lending conditions?
  • What insurances will you require and when will these need to be in place?
  • Are you going to need to employ other people? If so on what basis – casual, part-time, full time?
  • For existing businesses, are you aware of what you owe in employee entitlements like annual leave and superannuation?
  • Are you eligible for any government subsidies for taking on new employees?
  • Are you aware of the various income tax incentives applicable to you/your business?
  • Do you have an efficient record-keeping system in place so you have access to timely information as to the profitability of your business?
  • Will a changing political landscape impact on your business or taxation affairs (Labor’s proposed changes to the taxation of family trusts and negative gearing for example are going to have far-reaching consequences)

Cash Flow & Tax Planning

Whatever your situation, a business with a swelling bottom line is fantastic, but can bring with it some nasty and unexpected tax and cash flow surprises if you aren’t prepared and aware of what lies ahead.

Start-up businesses need to be mindful of potential tax bills after the end of the first financial year of operation, and budget their cash flow accordingly.

Cash flow can become more problematic for new businesses as the ATO can require up-front payments for estimated current year tax liabilities (through the PAYG Income Tax Instalment system). At the same time the business is required to pay potentially large tax bills from the previous financial year!

The above issues can also apply to your existing business if you have been going through a growth phase of late.

So although the thought of paying tax may not enthuse you too much it is far better knowing where you stand, and what is coming up. This means your business can continue to expand and be in a position to seize upon any opportunities that present themselves without being constrained by unexpected tax liabilities.

Take control of your business and your taxes. It is best to seek professional advice to understand the tax implications and benefits for your personal situation. Book your appointment with our team now by getting in touch with BLG Business Advisers online or by calling (02) 4229 2211.

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Superannuation Tax Planning Strategies

Posted on March 25, 2019
by Sonia Spaseski

Planning for your retirement is important to consider, even if your retirement age seems distant. As we are approaching the end of a financial year, maximising your superannuation balance from a tax perspective as well as a retirement perspective can be beneficial depending on your personal circumstances. This blog outlines some of the strategies you can take into consideration when planning to maximise your superannuation balance.

Legislation Changes

In recent years there have been several legislative changes within the superannuation space. Some of these include:

  • Concessional contribution caps have been reduced to $25,000 per year.
  • Non-concessional contribution caps have been reduced to $100,000 per year.
  • Non-concessional contributions caps are nil if your total superannuation balance is $1.6 million or above – this is the total of your member balance in all superannuation funds e.g. industry funds, retail funds and self managed superannuation funds (SMSF).
  • Removal of the 10% test, which allows you to make personal deductible superannuation contributions, regardless of your income source.
  • The ability to carry forward your unused concessional contribution cap from 1 July 2019 for up to five years ie. if your total superannuation balance (TSB) is less than $500,000.
  • Limit on the amount of money that can be transferred into retirement phase – $1.6 million.

What to Consider

These changes along with many others have made it increasingly difficult to contribute into your superannuation fund in recent years. In particular, your TSB determines the amount you can contribute into your superannuation fund from a non-concessional point of view.

Keep in mind that the changes discussed above, like with all things superannuation, can have restrictions that need to be considered as part of your tax planning strategies. For example, if you are looking to contribute to your superannuation balance and plan to use the bring-forward rule for non-concessional contributions, there are age and balance restrictions that need to be considered before making a contribution.

As superannuation legislation is constantly changing, especially with the upcoming federal election and budget, it is a great idea to keep your eye on potential changes that may affect your ability to contribute towards, and have access to, your superannuation balance.

For example, one of the proposed legislation changes is to bring back the 10% test, to remove the ability for individuals to claim deductible superannuation contributions against their assessable income regardless of their income source. If this proposal is enacted you will need to consider your current salary sacrifice arrangements to ensure you are maximising your before-tax contributions.

If you are considering superannuation contributions as a part of your tax planning strategies or to maximise your retirement savings, it is best to seek professional advice to understand the tax implications and benefits for your personal situation. Easily get in touch with our team at BLG Business Advisers online or by calling (02) 4229 2211.

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Anthony Vardareff

Posted on February 14, 2019 by Grace Dawson

Chartered Accountant

  • Bachelor of Commerce (Accountancy)
  • Member of Chartered Accountants Australia + New Zealand

With a family of many accountants and an inherent interest in business and numbers, Anthony was drawn to an accounting career from an early age. Since acquiring his position with BLG six years ago while starting his University degree, Anthony has gone from strength to strength and has never looked back.

Anthony enjoys the variety of work he does for clients, and focuses on understanding their individual and business needs, which allows us to tailor our advice to provide beneficial outcomes. The area he enjoys the most is tax planning, as it provides better real-time information that can be used for solid decision-making, and it is generally where clients can see the benefit of the advice we provide. Anthony’s dedication to his clients and ability to problem-solve anything from tax riddles to IT issues make him an invaluable BLG team contributor.

When not working hard at BLG, Anthony enjoys staying active playing soccer, running and in the colder months skiing.

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Georgia Glennon

Posted on February 14, 2019 by Grace Dawson

Graduate Accountant

 

Throughout her childhood Georgia loved art-related activities, from learning new languages, like Spanish and French, to participating in choirs and musicals. While studying a different degree at University she found herself being drawn to numbers and business-related subjects, so eventually found Accounting was her field. Georgia joined BLG over a year ago and is a great member of the team.

Georgia loves the diversity of her job, from the range of industries our clients come from to the specifics of tailored services we provide for each of them. While Georgia undertakes a range of work, she most enjoys creating tax planning projections for large client groups. She then analyses the results at year end to see how their business has performed and provides answers and updates for the client. Since starting at BLG, Georgia has gained a great deal of knowledge from the other team members, Managers and Directors who are always supportive and encouraging.

Outside of BLG, Georgia and her fiancé can be found with their puppy in the park or by the beach. Georgia is learning another language, Mandarin, and believes it’s important to invest time in other interests you have in your life outside of work.

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Gabrielle Bow

Posted on February 14, 2019 by Grace Dawson

Graduate Accountant

 

While Gabrielle has always loved sports and swimming, she also had an interest in economics and mathematics. Being unsure what she wanted to do, but knowing that problem-solving in a business-related environment was the type of career she was aiming for, she took a chance on BLG when a cadetship came up. Five years on Gabrielle has flourished into a talented member of the team.

Gabrielle is dedicated and perceptive, always ensuring our client’s expectations are understood and exceeded. She loves the type of innovative thinking we do at BLG, providing invaluable advice that helps clients move forward or solve issues they didn’t even know they had. The work Gabrielle takes on day-to-day is very versatile. From training BLG’s younger team members and enabling them to provide the service our clients value, to preparing forecasts for management accounts, assisting with tax planning and more.

When she’s not at BLG, Gabrielle will usually be at the beach, either volunteering at her local Surf Club or spending time with her family and friends.

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