Understanding Annuities: A Guide to Steady Retirement Income
October 31, 2025
Planning for retirement can feel overwhelming, but securing a reliable source of income is crucial to ensure financial stability. One…Understanding Superannuation Withdrawals & Retirement Tax Implications
October 23, 2025
Planning for retirement isn’t just about saving; it’s about knowing how to access your superannuation in the most tax-effective way.…Understanding How Lump Sum Payments Are Taxed: Annual Leave, Long Service Leave & Back Payments
October 17, 2025
Many employees are entitled to lump sum payments such as annual leave, long service leave, or back pay. While these payments are…Understanding Employment Termination Payments (ETP) — Tax Treatment for Non-Redundancy Terminations
October 15, 2025
When employment comes to an end, employees may receive different types of payments depending on the circumstances of their departure.…Tax Implications: Bona Fide Redundancy (No.1)
October 8, 2025
When employment comes to an end due to redundancy, both employers and employees must understand how the Australian Tax Office (ATO) treats…TO Update: What You Need to Know About Debts on Hold
October 1, 2025
When money is tight, the Australian Taxation Office (ATO) has a process called “debt on hold” to support taxpayers experiencing genuine hardship.…Big Support for Southwest Victoria Farmers: Up to $10,000 in Grants Now Available
September 23, 2025
Drought has always been one of the most significant challenges for farmers, impacting not only crop yields and livestock but also the…The Tax Implications of Investing in Property: What You Need to Know
September 12, 2025
Investing in property is a powerful wealth-building strategy, but it’s not just about location, tenants, and capital growth — it’s…Dodgy Tax Deductions: What the ATO Won’t Let You Claim
September 11, 2025
At Certum Advisory, we’re here to make tax time straightforward, and that includes helping you avoid deductions that could land…
