As we step into the 2025–26 financial year, it’s the perfect time to check in on your financial health. Just like a yearly visit to the doctor, a financial check-up helps ensure you’re tracking towards your goals, staying compliant, and making smart decisions that work for you or your business.

At Coastal Premier Accountancy, we work with individuals, families, and small businesses to make tax time less stressful and more strategic. Here are a few tips to help you start the year strong:

1. Review Last Year’s Wins and Wobbles

What worked? What didn’t? Look back at your income, expenses, and cash flow patterns. If you run a business, consider whether your pricing, cost control, or growth plans need a second look. Data doesn’t lie—use it to your advantage.

2. Make Tax Planning an Ongoing Habit

Don’t wait until June to think about tax. Start the year with a clear plan for deductions, super contributions, and structuring income efficiently. Whether you’re a sole trader, investor, or employer, proactive tax planning could save you thousands.

3. Update Your Records and Systems

Still chasing receipts or managing spreadsheets manually? It might be time to modernise. Cloud-based systems like Xero or MYOB not only make BAS and payroll easier but give you a clearer picture of your finances in real time. We can help you set this up.

4. Set Realistic Financial Goals

Setting goals doesn’t mean predicting the future—it means preparing for it. Whether it’s saving for a property, growing your business, or reducing debt, we help clients set achievable financial targets and put plans in place to reach them.

5. Book in a Financial Health Check

We’re here to help. A quick chat could be all it takes to identify opportunities, risks, or next steps you hadn’t thought of. From compliance to consulting, we’ve got your back every step of the way.