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Proactive Accounting & Financial Services

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Gold Coast, QLD
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.

09/06/2026

𝗘𝗢𝗙𝗬 - 𝗛𝗔𝗡𝗚 𝗜𝗡 𝗧𝗛𝗘𝗥𝗘!

If your current vibe is:
☕ Coffee in one hand
📊 Reports in the other
😅 Questioning all your life choices…

Welcome to EOFY!

To the business owners, you’ve built something worth reviewing, refining and pushing forward. Don’t make this EOFY just about ticking compliance boxes, make it about understanding your numbers and setting yourself up for a stronger year ahead.

To the accountants (our fellow EOFY soldiers) we see you. The long days, the “just one more thing” emails, the spreadsheets that never end. You’re problem solvers, advisors and the calm in everyone else’s financial chaos.

Take a breath, refill the coffee, and keep going, you’re closer than you think. We all have got this!

08/06/2026

𝟯𝟬% 𝗧𝗮𝘅 𝗼𝗻 𝗧𝗿𝘂𝘀𝘁𝘀: 𝗜𝘁’𝘀 𝗡𝗼𝘁 𝗝𝘂𝘀𝘁 “𝗧𝗵𝗲 𝗪𝗲𝗮𝗹𝘁𝗵𝘆” 𝗜𝗺𝗽𝗮𝗰𝘁𝗲𝗱

There’s a common perception that trusts are only used by the wealthy.

After 15 years in owning Proactive Accounting, we can tell you, that’s simply not true.

Trusts are widely used by:

🔷 Small business owners

🔷 Family-run operations

🔷 Everyday Australians trying to manage risk and protect assets

They’ve never just been about tax.

They’ve been about:

👉 Flexibility

👉 Asset protection

👉 Supporting families across different circumstances

Now introduce a flat 30% tax from the first dollar and suddenly, many of these structures no longer make sense.

So what happens? People are pushed to restructure into companies.

But restructuring isn’t simple:

❌ It costs money

❌ It takes time

❌ It can trigger other tax and flexibility consequences

And for what? A structure that worked perfectly well yesterday.

The reality is, this won’t impact the ultra-wealthy the most. It will impact the mum-and-dad business owners trying to build something sustainable.

So what can you do? Speak to your accountant today and if you are really concerned reach out to your local representative and express your concerns.

05/06/2026

“𝘚𝘮𝘢𝘭𝘭 𝘉𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘪𝘴𝘯’𝘵 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘧𝘢𝘪𝘯𝘵 𝘰𝘧 𝘩𝘦𝘢𝘳𝘵. 𝘐𝘵’𝘴 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘣𝘳𝘢𝘷𝘦, 𝘵𝘩𝘦 𝘱𝘢𝘵𝘪𝘦𝘯𝘵 𝘢𝘯𝘥 𝘵𝘩𝘦 𝘱𝘦𝘳𝘴𝘪𝘴𝘵𝘦𝘯𝘵. 𝘐𝘵’𝘴 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘰𝘷𝘦𝘳𝘤𝘰𝘮𝘦𝘳.” - 𝘈𝘯𝘰𝘯.

Never has this been more true. We often marvel at our fellow small business owners who show up every day and never stop.

27/05/2026

If your accountant only talks to you at tax time you’re missing the point of having an accountant.

With EOFY around the corner, most conversations default to compliance.

It becomes all about lodgements, deductions and general box ticking.

But a good accountant should be doing far more than that.

They should be helping you:

➡️ Understand and manage your cashflow

➡️ Plan ahead for tax, not just react to it

➡️ Structure your income and business more effectively

➡️ Identify opportunities to improve profitability

➡️ Make informed decisions with real financial clarity

It’s an opportunity to step back, reset, and put a plan in place for the year ahead. The right advice now can change your next 12 months.

26/05/2026

“𝘿𝙤𝙣’𝙩 𝙩𝙧𝙮 𝙩𝙤 𝙗𝙚𝙖𝙩 𝙩𝙝𝙚 𝙨𝙮𝙨𝙩𝙚𝙢. 𝙁𝙞𝙣𝙙 𝙤𝙪𝙧 𝙝𝙤𝙬 𝙞𝙩 𝙬𝙤𝙧𝙠𝙨 𝙖𝙣𝙙 𝙬𝙤𝙧𝙠 𝙞𝙩.” - 𝙅𝙞𝙢 𝙍𝙤𝙝𝙣

When it comes to tax, this is where most people get it wrong.

Trying to cut corners, putting things off, and hoping it will sort itself out later.

But tax rules aren’t there to catch you out, they’re there to be understood and used properly.

We often see business owners paying more than they need to, simply because there’s no clear structure behind their decisions.

The reality is:

🔷 There are always options.

🔷 There are always strategies.

🔷 But only if you actually know how the system works.

Good tax outcomes come from working the system properly, there’s no need to avoid the rules because the reality is, you can’t.

25/05/2026

You’re working hard and you do deserve a reward.

Just don’t take it out of the company, give yourself the gift of a dividend.

Too often, we see business owners dipping into the business for personal use without structure thinking it’s easier in the moment.

Take it from your accountants, the way you take money out matters.

A well-planned dividend isn’t just a reward, it’s a smarter, more tax-effective way to benefit from the business you’ve built.

You didn’t put in all that work to create unnecessary tax problems on the way out, so reward yourself properly and keep your company numbers in tact.

21/05/2026

A pipe burst in the kitchen and you need to take money out of the company to pay for it? Think before you do.

It might feel like a quick fix but that transfer could be considered taxable income.

And that’s where things can get expensive.

We see it all the time business owners dipping into company funds for personal expenses, only to be hit with higher tax bills later because it wasn’t structured properly.

Yes, you can access these funds but it’s about doing it the right way using Division 7A loan agreements.

Before you move the funds, make sure you understand the implications. Speak to your accountant before you do.

20/05/2026

Thinking of pulling money out of your company instead of borrowing?

Compare the numbers first.

Right now in Australia:

🔷 Mortgage rates sit around ~5.5–6.5% now pushing higher with recent interest rate hikes.

🔷 Personal loans average ~13.87%

🔷 Credit cards? Often even higher again

And Division 7A?

👉 8.37% interest (ATO benchmark rate)

On the surface, it might feel like the “easy option”, no bank, no application, quick access to cash.

But what most people miss is that Division 7A loan comes with strict rules, repayments, and tax implications.

Get it wrong, and it’s not just interest, it can turn into a taxable dividend.

We see it all the time, business owners trying to avoid lending costs, only to end up in a more expensive position overall.

Just because it’s your company doesn’t mean it’s the cheapest option.

Before you take the money, make sure you understand the full cost.

19/05/2026

Feeling stressed, overwhelmed, and constantly moving money around?

That’s usually not a revenue problem, it’s a cashflow clarity problem.

If you want to feel more confident, more in control, and actually know where your money is going, now’s the time to get clear.

Strong cashflow gives you the ability to:

🔷 Grow your business

🔷 Invest strategically

🔷 Plan ahead

🔷 Pay yourself a well deserved wage

🔷 And actually enjoy the life you’re building

If things have been feeling tighter than they should, it might be time to take a closer look. Want to chat about your cashflow options?

Book your free initial consultation today

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

13/05/2026

This budget has been talked about for months and it’s finally happened. Catch what Alec and Clea, Directors of Proactive Accounting, think about it’s impacts on small business.

Address

25A/207 Currumburra Road
Gold Coast, QLD
4214

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.proactivefs.com.au/

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