PAC Financial

15/10/2026

Extra super contributions usually fall into two main categories
When people talk about adding more to super, they are usually referring to concessional contributions or non-concessional contributions.

The most useful question is whether a particular contribution strategy fits your stage of life, cash flow and long-term retirement goals.

12/10/2026

Bring-Forward Rules Explained: Making Larger After-Tax Super Contributions
A large lump sum can create opportunity, but it can also create confusion. When someone receives an inheritance, sells an investment or builds up years of savings outside super, the question often becomes whether part of that money should be moved into super, and if so, how much can be contributed without breaching the rules.

That is where the bring-forward rule often comes into the discussion. It can allow some Australians to make larger non-concessional contributions in a shorter period, but it needs to be handled carefully because one large contribution can affect future contribution capacity for years.

PAC Financial helps clients understand how contribution strategies can fit within their broader superannuation and retirement planning, especially when larger after-tax contributions are being considered.

Read on to learn more: https://pacfinancial.com.au/bring-forward-rules-explained-making-larger-after-tax-super-contributions/

📞 Phone - 1300 590 790
📩 Email - [email protected]

The bring-forward rule can be a valuable way to make larger after-tax super contributions when the circumstances are right.

05/10/2026

Simplifying Financial Education with MyGov Tutorials
The MyGov website provides access to many important government services, but finding the right information can sometimes feel confusing. That's why we've put together a series of simple, step-by-step tutorials to help you navigate MyGov with confidence.

Learn how to:
✔ Access essential government services
✔ Manage your superannuation
✔ Check your entitlements and benefits

Explore our tutorials to better understand some of the key services and information available through MyGov.

Start your journey toward financial confidence today: https://pacfinancial.com.au/financial-planning-resources/

Ready to take charge of your financial future? Start your journey with us today!
📞 Phone - 1300 590 790
📩 Email - [email protected]

30/09/2026

We're grateful for the kind words from Susan, who has trusted Clint and the team with her financial planning needs.

At PAC Financial, we're passionate about helping Australians make informed financial decisions and feel confident about their future.

📞 Call 1300 590 790 and book an appointment with the PAC Financial team today.

28/09/2026

How to Build An Investment Strategy
An investment strategy gives you a clear plan for where you want your money to go and how it can support your financial goals. It can help you make informed decisions and avoid making emotional choices when markets rise and fall.

Consistency is key. Staying invested for the long term gives your investments more time to grow, while reinvesting returns can help your investments benefit from compounding over time.

Remember, your investment strategy doesn't have to stay the same forever. Reviewing it regularly with a PAC Financial financial adviser can help ensure your investments continue to match your goals, financial circumstances, and comfort with risk.

Contact us today and start building a strategy tailored to your future with expert guidance from PAC Financial.
📞 Phone - 1300 590 790
📩 Email - [email protected]
💻 Website - www.pacfinancial.com.au

21/09/2026

It’s always great to receive feedback like this! 🙌

Ray described meeting with David as being “like having a chat with an old mate,” while still receiving valuable guidance about retirement, superannuation and savings.

Thanks for the kind words, Ray, and great work, David! ⭐⭐⭐⭐⭐

If you’d like to speak with our team, call 1300 590 790.

General information only. Please consider your personal circumstances before acting.

21/09/2026

What Carry-Forward Concessional Contributions Actually Mean
The carry-forward rule can allow eligible individuals to use unused concessional contribution cap amounts from previous financial years. Unused amounts can generally be carried forward for up to five financial years, provided your total super balance was less than $500,000 at the previous 30 June.

This means if you haven't used your full concessional contribution cap in previous years, you may be able to contribute more in a future financial year than the standard cap allows.

For 2026–27, the concessional contributions cap is $32,500. If you have eligible unused cap amounts available, your available concessional contribution cap for the year may be higher than the standard annual cap.

Understanding your available contribution room can help you make more informed decisions about growing your super and planning for retirement.

Contact us today on:
📞 Phone - 1300 590 790
📩 Email - [email protected]
💻 Website - www.pacfinancial.com.au

17/09/2026

Thank you, Irma, for your kind words and for trusting PAC Financial with your financial journey. We are grateful for the opportunity to help our clients work towards their goals and financial peace of mind. 💙

14/09/2026

Federal Budget 2026–27: Key Changes and What They Could Mean for You
This year's Budget includes a significant package of proposed tax changes, particularly affecting capital gains tax, negative gearing, discretionary trusts, small business tax measures and income tax relief for workers.

While some of these measures are not expected to commence until 2027 or 2028, they may still be important for clients who own investment properties, hold assets with large unrealised capital gains, operate through family trusts, run a small business or have larger superannuation balances.

Importantly, Budget announcements should not be acted on in isolation. Some measures may still require legislation, further consultation or additional guidance before the final position is clear.

As always, the right strategy depends on your personal circumstances, your goals, your tax position and your broader financial plan.

Below is a summary of the key announcements and what they may mean for you.

Read on to learn more: https://pacfinancial.com.au/federal-budget-2026-27-key-changes-and-what-they-could-mean-for-you/

📞 Phone - 1300 590 790
📩 Email - [email protected]

09/09/2026

🎉 Proud moment for our Launceston team! 🎉

We're delighted to have been featured in The Examiner as one of Northern Tasmania's leading financial planning teams — recognised as a "high-authority all-rounder" and a trusted name in the local market.

A huge thank you to our clients across Launceston and Northern Tasmania. Being backed by 124+ Google Reviews is something we're genuinely proud of — that trust is the foundation of everything we do, and it doesn't happen by accident. 🙏

Whether you're planning your transition to retirement, a self-employed professional or a business owner, our team is here to help you build a clear plan for the best possible financial future.

📞 1300 590 790 🌐 Get in touch to start the conversation.

Achieve your retirement goals with strategic planning and expert advice.