Phan Campbell & Associates

Phan Campbell & Associates The PCA Difference: All-Inclusive Accounting, Finance and Legal Solutions

The rules between the people who own the company.Most businesses don't have them.A shareholder agreement sets out how de...
17/07/2026

The rules between the people who own the company.
Most businesses don't have them.
A shareholder agreement sets out how decisions are made, what happens if someone wants to leave, and how a buyout is priced — before any of those questions become urgent.
Without one, the Corporations Act fills the gaps. In ways that rarely match what the founders would have chosen.
Write the rules before anyone needs to enforce them.

📩 Book a free consultation — link in bio.

From 1 July 2026, the way every Australian employer pays super changes. It is the biggest shift to super since the guara...
14/07/2026

From 1 July 2026, the way every Australian employer pays super changes. It is the biggest shift to super since the guarantee was introduced — and most businesses are not ready for it.

Under the old rules, super was paid quarterly. From 1 July, super must be paid at the same time as wages, and reach the employee's fund within 7 business days of payday. Quarterly is gone.

This changes cash flow, payroll systems, and compliance from day one. The ATO's Small Business Super Clearing House closes on 30 June 2026. Miss the 7-day window and the Super Guarantee Charge applies.

The businesses that prepare now have a smooth transition. The ones that wait have an ATO problem.

→ Read what Payday Super means for your payroll and how to get ready.

1 July isn't just a tax date. It's a reset.The businesses that move well in a new financial year are the ones that set t...
24/06/2026

1 July isn't just a tax date. It's a reset.

The businesses that move well in a new financial year are the ones that set things up clearly before they start — not the ones who fix problems once they're already moving.

Contracts reviewed and updated. Financial records are clean and current. Structures that actually reflect how things work now.

Most businesses carry over something from the last year that should have been sorted out.

This year, use the reset properly.

→ Swipe to see what's worth putting in place from day one.

One week.Most of the big decisions are already made. But there's a short list of things that still need to happen before...
22/06/2026

One week.

Most of the big decisions are already made. But there's a short list of things that still need to happen before 30 June — and some of them become significantly harder to resolve after 1 July.

Contracts expiring without renewal. Disputes where a position needs to be formalised. Outstanding invoices affecting your year-end numbers. Bookkeeping that has to be accurate before EOFY.

Not impossible to fix after the deadline. Just more complicated — and sometimes more expensive.

→ Swipe through the short list. If something applies to you, now is the time.

Families make financial decisions together all the time.Some of those decisions have implications that only become clear...
19/06/2026

Families make financial decisions together all the time.

Some of those decisions have implications that only become clear later — often at tax time, or during a separation, when it's already too late to change them.

Before 30 June, it's worth reviewing how shared assets or income are structured, whether financial arrangements reflect how things actually work, and whether anything needs to be formalised before the year ends.

Getting clarity before the deadline means you're not making decisions under pressure.

→ Swipe to see what's worth reviewing before the financial year closes.

Australia's Anti-Money Laundering laws are being expanded — and for the first time, they'll apply to lawyers, accountant...
16/06/2026

Australia's Anti-Money Laundering laws are being expanded — and for the first time, they'll apply to lawyers, accountants, and real estate professionals.

Most businesses that work with these professions don't yet understand what changes for them.

New obligations around client identification, record keeping, and reporting are coming. The law is designed to increase transparency — and for businesses that operate properly, the impact is manageable.

But only if you understand what's expected before it applies.

→ Swipe to see who's affected and what preparation actually looks like.

In construction, the end of the financial year tends to surface what's been building quietly for months.Payment claims t...
11/06/2026

In construction, the end of the financial year tends to surface what's been building quietly for months.

Payment claims that were never resolved. Variations that weren't formally approved. Scope that changed but nothing was put in writing.

Now everyone needs to account for it — and neither side wants to carry uncertainty into the new year.

Contractors need to close invoices. Clients want to finalise costs. The further it goes without resolution, the harder it becomes to establish what was originally agreed.

If you have unresolved matters in a current project, address them now — not after 30 June.

→ Swipe through.

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Financial year end is in a few weeks.Most things are already in motion. But there's a short list of items — legal and fi...
08/06/2026

Financial year end is in a few weeks.

Most things are already in motion. But there's a short list of items — legal and financial — that become harder to deal with after 1 July.

Contracts expiring without renewal confirmed. Disputes where a formal position hasn't been taken. Outstanding invoices affecting your year-end position. Business structures that should have been updated.

None of these are dramatic. But all of them are easier to deal with now than after the deadline passes.

→ Swipe through the checklist.

30 June is closer than most people's calendars suggest.For property decisions, timing isn't just administrative — it aff...
05/06/2026

30 June is closer than most people's calendars suggest.
For property decisions, timing isn't just administrative — it affects outcomes. Stamp duty, capital gains, and ownership structuring. The date a transaction completes can change the position entirely.

If you have a property matter in progress, a settlement, a transfer, or a contract not yet been reviewed.

Now is the time to confirm where things stand and whether your timeline is realistic.
Property decisions made close to a deadline are harder to correct.

→ Swipe through what's worth checking before the end of the financial year.

Small contract issues don't resolve themselves.They wait. And while they wait, they grow.A clause that wasn't negotiated...
02/06/2026

Small contract issues don't resolve themselves.

They wait. And while they wait, they grow.
A clause that wasn't negotiated. A vague payment term. Scope that drifted and was never put in writing.

By financial year's end, those gaps don't stay small. They become disputes — over money, timelines, and what anyone actually agreed to.

Before 30 June, it's worth reviewing any contract with unresolved scope, payment uncertainty, or a relationship that's changed since it was signed.

A contract issue caught early is a conversation. Left until later, it's something else entirely.

→ Swipe to see what to check before the deadline.


Address

Level 1, Suite 12, 7-9 Leeds Street
Footscray
3011

Opening Hours

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

Telephone

(03)83549541

Website

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