PAC Financial

20/07/2026

Self-Managed Super Fund vs Industry Super: What's Right for You?
As Australians take a more active role in retirement planning, many are comparing superannuation structures to determine which option best supports their long‑term retirement goals. One of the most common comparisons is Self‑Managed Super Fund vs Industry Super, a decision that can significantly influence investment flexibility, costs, and administrative responsibility.

While both structures aim to grow retirement savings, the right choice depends on personal circumstances, desired control, financial knowledge, and willingness to manage compliance obligations. Understanding how each option works is essential before making structural changes to your super.

Read on to learn more: https://pacfinancial.com.au/self-managed-super-fund-vs-industry-super-whats-right-for-you/

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

Self-Managed Super Fund vs Industry Super: discover the key differences, benefits, risks, and costs to help you decide which superannuation option is right for your financial future.

13/07/2026

Why Many People Delay Seeking Financial Advice
Despite the clear benefits of financial planning, many people still delay speaking with a financial planner. This often comes down to the belief that they need to have everything "figured out" first, or that they don't yet have enough wealth to justify professional advice.

With so much financial information available online, it's also easy to assume that you can build a solid strategy on your own over time by piecing together different sources.

However, having more information doesn't always lead to better decisions. In many cases, it can create confusion, mixed strategies, or even a false sense of confidence that may not align with your long-term goals.

Seeking professional advice earlier can help you make clearer, more informed decisions when they matter most, rather than trying to fix mistakes or adjust your strategy later down the track.

At PAC Financial, we help simplify complex financial decisions so you can better understand your options and feel more confident about your future. Our team works with you to create strategies that align with your goals, lifestyle, and long-term financial plans.

Getting guidance early can provide better structure, greater confidence, and a stronger foundation for your financial future.

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

06/07/2026

MyGov Website Tutorials
Navigating the MyGov website can sometimes feel confusing, especially when you're trying to access important services and information. That's why we've put together easy-to-follow tutorials to help you use the platform with confidence and ease.

Our step-by-step guides are designed to walk you through key features of MyGov, including how to access government services, manage your superannuation, check your entitlements, and stay on top of important benefits and updates.

Whether you're setting up your account, linking services, or simply trying to find the information you need, these tutorials are here to make the process simpler and less stressful.

By understanding how to use MyGov effectively, you can save time, reduce confusion, and make sure you're getting the most out of the services available to you.

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

29/06/2026

Key Superannuation Changes Australians Should Know
While there were no major surprise superannuation reforms in this year's Budget, several important changes are already in place or on the way that may impact both employees and employers.

The Super Guarantee rate is now 12% following the final scheduled increase from 1 July 2025. This means employers are contributing more to employee super, helping boost long-term retirement savings.

From 1 July 2026, Payday Super will begin. Employers will be required to pay super contributions at the same time as wages, instead of quarterly. The ATO confirms super must be paid on payday from this date.

The proposed Division 296 tax also remains relevant for individuals with super balances above $3 million, potentially applying additional tax to earnings above this threshold.

What this may mean for you:
For employees, Payday Super means more regular super contributions going into your account. For employers, it's important to prepare payroll systems and cash flow ahead of the change. For SMSF trustees and high-balance members, Division 296 is something to monitor closely with professional advice.

Superannuation remains one of Australia's most powerful long-term wealth-building tools, and staying informed is key as rules continue to evolve.

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

23/06/2026

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.

15/06/2026

The Value of Personalised Financial Planning
Personalised financial planning is about more than just managing money; it's about creating a clear strategy that supports the lifestyle and future you want.

A financial planner provides tailored advice based on your unique circumstances, rather than offering general financial guidance. By taking the time to understand your complete financial picture, they can help develop a plan designed specifically around your goals, needs, and long-term vision.

This includes reviewing your current financial position, retirement goals, future lifestyle plans, risk tolerance, investment preferences, and the most effective ways to structure your finances moving forward.

Good financial planning isn't only focused on growing wealth; it's about helping you make informed decisions with confidence while creating a realistic pathway toward long-term financial security and retirement comfort.

Importantly, financial planning is not a one-time process. As your life changes, your financial strategy should evolve with it. Regular reviews and ongoing support help ensure you stay on track while adapting to new opportunities, changing circumstances, and market conditions over time.

Having a personalised financial plan in place can provide greater clarity, peace of mind, and confidence in your future.

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

08/06/2026

What Is an Industry Super Fund?
An industry super fund is a professionally managed superannuation fund designed to provide Australians with a simple, affordable, and low-maintenance way to grow their retirement savings.

These funds are managed by experienced investment professionals and regulated by the Australian Prudential Regulation Authority (APRA), helping ensure strong governance, compliance, and risk management standards are maintained.
Industry super funds are designed to be straightforward and easy to manage. Members can typically choose from a range of pre-set investment options, including balanced, growth, or conservative portfolios, depending on their financial goals and risk tolerance.

Because the investments are managed by professionals, industry super funds are often ideal for people who prefer a more hands-off approach to managing their retirement savings.
Choosing the right super fund is an important part of planning for your financial future, so understanding how industry super funds work can help you make more informed decisions.

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

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