Proactive Accounting & Financial Services

Proactive Accounting & Financial Services Our core values are honesty, reliability and loyalty. This ethos is the driving force behind how we work with - and for - our clients. See you around!

Proactive Accounting & Financial Services will empower you with the clarity, certainty and confidence to achieve your goals by helping you understand the financial impact of your decisions before you make them. We aim to empower you with the clarity, certainty and confidence to achieve your goals by helping you understand the financial impact of you decision before you make them. Message us here t

o find out how you too can experience the Proactive difference or check out our website www.proactivefs.com.au for more information.

At Proactive Accounting, one of the biggest myths we hear is that choosing a business structure is simply about paying l...
30/07/2026

At Proactive Accounting, one of the biggest myths we hear is that choosing a business structure is simply about paying less tax. Tax is certainly a big part of the conversation but it's rarely the whole conversation.

A good business structure also considers:

๐Ÿ”ท Asset protection

๐Ÿ”ท Cashflow requirements

๐Ÿ”ท Risk management

๐Ÿ”ท Future investment and re-investment into the business

๐Ÿ”ท Succession planning

๐Ÿ”ท Business partners

๐Ÿ”ท Government incentives and funding

๐Ÿ”ท Retirement planning

๐Ÿ”ท Selling your business and your exit strategy

Every one of these factors influences what may be the most appropriate structure for your circumstances. So if you arenโ€™t sure if your business structure is the right one for you or itโ€™s been over 5 years since youโ€™ve reviewed it reach out for a no-obligation chat.

Most business owners spend more time choosing their business software than they do choosing their business structure.Yet...
20/07/2026

Most business owners spend more time choosing their business software than they do choosing their business structure.

Yet one decision can influence your tax, asset protection, cash flow, ability to grow, succession planning and even how you eventually exit your business.

The reality is your business structure isn't something you choose once and forget about.

As your business evolves...
As legislation changes...
As your personal circumstances change...

โ€ฆyour structure should be reviewed to make sure it's still working for you.

There is no "best" business structure, there is only the structure that's right for your goals and situations.

In this month's article, we explore the questions every business owner should be asking at each stage of their journey, from startup through to growth and eventually planning an exit.

๐Ÿ‘‡ Read the full article below and ask yourself one question:

Is your business structure still fit for where you want to be in the next 5โ€“15 years?

https://proactivefs.com.au/your-business-structure-isnt-a-set-and-forget/

โ€œ๐˜›๐˜ฉ๐˜ฆ ๐˜ฎ๐˜ฐ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ฃ๐˜ฆ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ ๐˜บ๐˜ฐ๐˜ถ ๐˜จ๐˜ช๐˜ท๐˜ฆ ๐˜ถ๐˜ฑ ๐˜ช๐˜ด ๐˜ฐ๐˜ง๐˜ต๐˜ฆ๐˜ฏ ๐˜ณ๐˜ช๐˜จ๐˜ฉ๐˜ต ๐˜ฃ๐˜ฆ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ ๐˜บ๐˜ฐ๐˜ถ ๐˜ฃ๐˜ณ๐˜ฆ๐˜ข๐˜ฌ ๐˜ต๐˜ฉ๐˜ณ๐˜ฐ๐˜ถ๐˜จ๐˜ฉโ€.So true! Even though things feel rather bleak fo...
16/07/2026

โ€œ๐˜›๐˜ฉ๐˜ฆ ๐˜ฎ๐˜ฐ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ฃ๐˜ฆ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ ๐˜บ๐˜ฐ๐˜ถ ๐˜จ๐˜ช๐˜ท๐˜ฆ ๐˜ถ๐˜ฑ ๐˜ช๐˜ด ๐˜ฐ๐˜ง๐˜ต๐˜ฆ๐˜ฏ ๐˜ณ๐˜ช๐˜จ๐˜ฉ๐˜ต ๐˜ฃ๐˜ฆ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ ๐˜บ๐˜ฐ๐˜ถ ๐˜ฃ๐˜ณ๐˜ฆ๐˜ข๐˜ฌ ๐˜ต๐˜ฉ๐˜ณ๐˜ฐ๐˜ถ๐˜จ๐˜ฉโ€.

So true! Even though things feel rather bleak for small business right now, keep going because nothing lasts forever and can always change for the better.

๐—ฌ๐—ผ๐˜‚ ๐—ฑ๐—ถ๐—ฑ ๐—ถ๐˜. ๐Ÿ™Œ30 June is here, another financial year wrapped up.To every business owner who pushed through, made tough c...
30/06/2026

๐—ฌ๐—ผ๐˜‚ ๐—ฑ๐—ถ๐—ฑ ๐—ถ๐˜. ๐Ÿ™Œ

30 June is here, another financial year wrapped up.

To every business owner who pushed through, made tough calls and kept going, this is your moment to pause and acknowledge it.

We hope it was your most profitable year yet. The kind where the hard work actually paid off.

And if it wasnโ€™t? Thatโ€™s okay. A financial year doesnโ€™t define your business, what you do next does.

1 July is achance to tighten things up, get clarity around your numbers, and build a more profitable, sustainable business moving forward.

But take a moment to celebrate how far youโ€™ve come. Then letโ€™s go again.

If this EOFY hasnโ€™t shaped up to be as profitable as you had hoped then maybe a cashflow health check is in order.Our Ca...
25/06/2026

If this EOFY hasnโ€™t shaped up to be as profitable as you had hoped then maybe a cashflow health check is in order.

Our Cashflow Health Check is designed to help you get a clear picture of your cashflow, understand whatโ€™s really going on behind your P&L, and give you actionable insights to improve and grow your business.

We take a clear look at where things are at, whatโ€™s working, whatโ€™s not, and what to do next.

Your business should be creating freedom not just covering costs.

If things havenโ€™t been as profitable as they should, it might be time to take a closer look.

Book your free initial consultation today

https://calendly.com/cleaj/cashflow-health-check-initial-consultation

๐Ÿ‘‰ People respond to incentives.If you reward innovation, risk, and investment, people are more eager to try.If you reduc...
23/06/2026

๐Ÿ‘‰ People respond to incentives.

If you reward innovation, risk, and investment, people are more eager to try.
If you reduce those rewards and make people fearful of the risks people donโ€™t want to even try.

Looking at this budget, we donโ€™t see a lot of incentive for those starting a business, wanting to investing in growth or attempt building long-term wealth.

Thatโ€™s the part that concerns us most.

Because small business isnโ€™t a niche part of the economy. It employs a significant portion of Australians, drives local communities and creates opportunity.

So if the system makes it harder to build something eventually, fewer people will try.

We donโ€™t see this as just a business issue but an economic one too. What are your thoughts?

๐——๐—ผ ๐—ป๐—ผ๐˜ ๐—ฝ๐—ฎ๐—ป๐—ถ๐—ฐ.Nothing has been legislated. Nothing has taken effect.Right now, the worst thing you can do in the wake of ...
22/06/2026

๐——๐—ผ ๐—ป๐—ผ๐˜ ๐—ฝ๐—ฎ๐—ป๐—ถ๐—ฐ.

Nothing has been legislated. Nothing has taken effect.

Right now, the worst thing you can do in the wake of the budget is make rushed, expensive decisions based on something that may still change.

Speak to your accountant. Get a plan in place based on your goals and then, wait.

Thereโ€™s still plenty to play out here, itโ€™s going to be ok.

๐—–๐—ฎ๐—ฝ๐—ถ๐˜๐—ฎ๐—น ๐—š๐—ฎ๐—ถ๐—ป๐˜€ ๐—ง๐—ฎ๐˜…: ๐—ง๐—ต๐—ฒ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—ก๐—ผ ๐—ข๐—ป๐—ฒโ€™๐˜€ ๐—ง๐—ฎ๐—น๐—ธ๐—ถ๐—ป๐—ด ๐—”๐—ฏ๐—ผ๐˜‚๐˜Capital Gains Tax changes donโ€™t just impact property. They impact shar...
17/06/2026

๐—–๐—ฎ๐—ฝ๐—ถ๐˜๐—ฎ๐—น ๐—š๐—ฎ๐—ถ๐—ป๐˜€ ๐—ง๐—ฎ๐˜…: ๐—ง๐—ต๐—ฒ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—ก๐—ผ ๐—ข๐—ป๐—ฒโ€™๐˜€ ๐—ง๐—ฎ๐—น๐—ธ๐—ถ๐—ป๐—ด ๐—”๐—ฏ๐—ผ๐˜‚๐˜

Capital Gains Tax changes donโ€™t just impact property. They impact shares, investments and business owners.

This is where it gets serious because small business doesnโ€™t work the way many people think it does.

When cashflow is tight staff still get paid (as they should) but the owner often doesnโ€™t.

When things go wrong itโ€™s the owner carrying the risk, not the employees.

That risk has always been balanced by one thing: the reward at the end.

If you increase CGT significantly, that reward shrinks.

Weโ€™re now looking at scenarios where tax on the sale of a business could move from around 23% to closer to 47%.

Thatโ€™s not a small change.

If the outcome isnโ€™t worth the risk, fewer people will take it.

And when fewer people start businesses, innovate, and grow that doesnโ€™t just impact them. It impacts the entire economy.

But we want to share that our small business clients are thriving and if they can, you can too. Everyone just needs a little guidance so speak to your accountant about your growth plans and future goals. Building and growing a business is still worth it.

โ€œ๐˜๐˜ต ๐˜ข๐˜ญ๐˜ธ๐˜ข๐˜บ๐˜ด ๐˜ด๐˜ฆ๐˜ฆ๐˜ฎ๐˜ด ๐˜ช๐˜ฎ๐˜ฑ๐˜ฐ๐˜ด๐˜ด๐˜ช๐˜ฃ๐˜ญ๐˜ฆ, ๐˜ถ๐˜ฏ๐˜ต๐˜ช๐˜ญ ๐˜ช๐˜ตโ€™๐˜ด ๐˜ฅ๐˜ฐ๐˜ฏ๐˜ฆ.โ€ - ๐˜•๐˜ฆ๐˜ญ๐˜ด๐˜ฐ๐˜ฏ ๐˜”๐˜ข๐˜ฏ๐˜ฅ๐˜ฆ๐˜ญ๐˜ขKeep going. Youโ€™re so close.
16/06/2026

โ€œ๐˜๐˜ต ๐˜ข๐˜ญ๐˜ธ๐˜ข๐˜บ๐˜ด ๐˜ด๐˜ฆ๐˜ฆ๐˜ฎ๐˜ด ๐˜ช๐˜ฎ๐˜ฑ๐˜ฐ๐˜ด๐˜ด๐˜ช๐˜ฃ๐˜ญ๐˜ฆ, ๐˜ถ๐˜ฏ๐˜ต๐˜ช๐˜ญ ๐˜ช๐˜ตโ€™๐˜ด ๐˜ฅ๐˜ฐ๐˜ฏ๐˜ฆ.โ€ - ๐˜•๐˜ฆ๐˜ญ๐˜ด๐˜ฐ๐˜ฏ ๐˜”๐˜ข๐˜ฏ๐˜ฅ๐˜ฆ๐˜ญ๐˜ข

Keep going. Youโ€™re so close.

The budget has proposed removing negative gearing to help first home buyers.On paper, it sounds like a good idea. In pra...
15/06/2026

The budget has proposed removing negative gearing to help first home buyers.

On paper, it sounds like a good idea. In practice? Weโ€™re not convinced.

Letโ€™s break it down simply:

If an investment property costs you more than it earns, negative gearing allowed you to offset that loss against your income.

It wasnโ€™t a loophole, it was a strategy.

Now remove that, and what happens?

โžก๏ธ Smaller investors are likely pushed out

โžก๏ธ Larger investors carry on as usual

โžก๏ธ Fewer properties enter the market

โžก๏ธ Prices donโ€™t necessarily drop

Many first home buyers didnโ€™t start with their โ€œdream home.โ€ They started by investing, building equity, then upgrading.

That pathway becomes a lot harder without negative gearing.

So while the intention may be to improve affordability, the outcome may be the opposite.

๐Ÿ‘‰ The real question is: are we solving the problem or making it worse? What are your thoughts?

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