PAC Financial

01/06/2026

What Is A Self-Managed Super Fund (SMSF)?
A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself. Unlike traditional super funds, SMSF members are also the trustees, meaning they are legally responsible for managing the fund's investments and ensuring it complies with superannuation and tax laws. Under current Australian Taxation Office rules, an SMSF can have up to six members.

SMSFs provide greater control over investment decisions, allowing trustees to choose exactly where their super is invested. This may include direct shares, commercial property, term deposits, and other approved investments.

However, with this flexibility comes significant responsibility. SMSFs are regulated by the Australian Taxation Office (ATO), and trustees must keep accurate records, organise annual audits, and ensure the fund meets all legal and reporting requirements.

Because of these responsibilities, seeking guidance from a qualified adviser, such as the specialists at PAC Financial, can help ensure your SMSF strategy is compliant and aligned with your long-term financial goals.

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

25/05/2026

What Does "Best Super Fund" Actually Mean?
The phrase "Best Super Fund" is one of the most searched terms in Australia, but the reality is that there is no one-size-fits-all answer. The super fund that is generating an exceptional rate of return for a high-income earner in their fifties is not likely to be the right choice for the graduate who's just landed their first job.

True optimisation requires looking beyond broad market ads to understand how a fund aligns with your specific financial fingerprint.

Super fund comparison websites are convenient, but many rank super funds based on simplistic metrics. Unfortunately, these scores and star ratings are not all that meaningful because they are difficult to personalise and may not be a reflection of your short- or long-term needs when choosing the best super fund for your situation.

Read on to learn more: https://pacfinancial.com.au/is-your-super-fund-the-best-super-fund-for-you/

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

Not sure if your super fund is right for you? Discover what to look for in fees, returns, and benefits to choose the best super fund for your future.

18/05/2026

How a Brisbane Financial Advisor Can Help You Build a Strong Financial Plan for the Future
Planning for the future can feel overwhelming, especially when there are so many financial decisions to consider. That's where a Brisbane financial advisor can make a real difference.

A professional financial advisor helps you create a clear, personalised financial plan based on your goals, lifestyle, and long-term priorities. Whether you're planning for retirement, growing your investments, managing debt, or protecting your assets, the right advice can help you move forward with confidence.

A financial advisor can help you:
✔ Set realistic financial goals
✔ Build a structured savings and investment strategy
✔ Manage debt and improve cash flow
✔ Plan for retirement with greater certainty
✔ Protect your wealth with the right insurance and risk strategies

With expert guidance, you can make smarter financial decisions and create a plan designed to support you through every stage of life.

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

14/05/2026

📋 Federal Budget 2026–27 — What You Need to Know
The Federal Budget was handed down on Tuesday 12 May and there's a lot to unpack.
This one is significant. The Government has announced proposed changes to capital gains tax, negative gearing, family trusts, income tax and small business tax — some of the biggest tax changes we've seen in over two decades.
Here's the thing though — don't panic, and don't rush into anything based on headlines.
Many of these changes aren't proposed to start until 2027 or 2028, which means there's time to plan properly. And that's exactly what good financial planning is about.
We've put together a plain-English summary of the key changes and what they could mean for you. You can read it on our website here 👉

Treasurer Jim Chalmers handed down the 2026–27 Federal Budget on Tuesday 12 May 2026. This year’s Budget includes a significant package of proposed tax changes, particularly affecting capital gains tax,Read More

11/05/2026

Financial Learning Made Simple with Video Resources
Our collection of educational videos covers various financial topics, designed to enhance your understanding and confidence in managing your personal finances. From budgeting and saving strategies to investment insights and retirement planning tips, these videos provide valuable information to help you make informed financial decisions.

Get started on your journey to financial empowerment 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]

09/05/2026

To All the Beautiful Mums — Happy Mother’s Day!
Today we celebrate your love, patience, and strength that shape every family.
Thank you for being the foundation of care, kindness, and warmth in our lives.

Wishing you a day full of joy, relaxation, and all the love you truly deserve 🌸

04/05/2026

Do You Offer A Free Consultation? YES!
The cost of providing a financial product or service to you will depend on the nature and complexity of the advice, financial product and/or service provided. However, at PAC Financial, we offer an initial consultation at our expense to get to know you and to identify how we can partner with you to help you meet your goals. We will explain how we operate and what you can expect. We will always agree on the level of our charges and your payment options before proceeding with any work.

Ready to take the first step? Contact us today, and let's start securing your financial peace of mind.
📞 Phone - 1300 590 790
📩 Email - [email protected]
💻 Website - www.pacfinancial.com.au

27/04/2026

How Higher Caps And Rates Impact Super And The Age Pension
As we head towards the end of the financial year, a number of important changes to superannuation caps, thresholds and Age Pension settings are now confirmed. These changes will affect how much you can contribute to super, how much you can move into the retirement phase, and how Centrelink assesses your income for Age Pension purposes.

Below is a summary of the key changes taking effect from 1 July 2026, along with some practical considerations to keep in mind as you finalise your end‑of‑financial‑year (EOFY) planning.

Read on to learn more: https://pacfinancial.com.au/how-higher-caps-and-rates-impact-super-and-the-age-pension/

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

Higher caps can be helpful, however timing mistakes or overlooked thresholds can quickly undermine the benefit.

20/04/2026

How To Make Your Super Work Harder
Your super is one of your most powerful tools for building long-term wealth, but are you making the most of it?

Here are a few smart ways to boost your super:
💰 Strategic Contributions
Consider salary sacrificing into your super. It may reduce your taxable income while helping grow your retirement savings. With the 2026 concessional contribution cap at $30,000 and the Super Guarantee at 12%, it's a good time to review your contributions.

📈 Smart Investment Strategy
Your super investment mix should match your age and risk tolerance. Younger investors may benefit from growth-focused strategies, while those closer to retirement may prioritise protecting their savings.

📂 Consolidate Accounts
If you have multiple super funds, consolidating them can help reduce fees and simplify the management of your retirement savings.

🔍 Review Regularly
Treat your super like an investment. Regular reviews help ensure your strategy stays aligned with your life stage and long-term retirement goals.

A few small changes today can make a big difference to your retirement tomorrow.

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

16/04/2026

Yesterday we took the time to step away from the day‑to‑day and enjoy a great team building day ahead of the busy final quarter of the financial year.
It was a fantastic opportunity to change pace, have some fun, enjoy a round of mini golf and share lunch together. Moments like these are a good reminder of the value of teamwork, connection and balance.
Feeling refreshed and ready to carry that positive energy forward as we head into one of our busiest quarters of the year. ⛳️😊