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.

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

“𝘿𝙤𝙣’𝙩 𝙩𝙧𝙮 𝙩𝙤 𝙗𝙚𝙖𝙩 𝙩𝙝𝙚 𝙨𝙮𝙨𝙩𝙚𝙢. 𝙁𝙞𝙣𝙙 𝙤𝙪𝙧 𝙝𝙤𝙬 𝙞𝙩 𝙬𝙤𝙧𝙠𝙨 𝙖𝙣𝙙 𝙬𝙤𝙧𝙠 𝙞𝙩.” - 𝙅𝙞𝙢 𝙍𝙤𝙝𝙣When it comes to tax, this is where most pe...
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.

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 divid...
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.

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 fe...
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.

Thinking of pulling money out of your company instead of borrowing?Compare the numbers first.Right now in Australia:🔷 Mo...
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.

Feeling stressed, overwhelmed, and constantly moving money around?That’s usually not a revenue problem, it’s a cashflow ...
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.

You can try and hide… but the ATO is looking.And they’re not just scanning the obvious stuff.They’re picking up on:➡️ Pa...
13/05/2026

You can try and hide… but the ATO is looking.

And they’re not just scanning the obvious stuff.

They’re picking up on:

➡️ Paying for private expenses through company funds

➡️ Lending money without a proper loan agreement in place

➡️ Cash withdrawals with no paper trail

These aren’t small oversights.

They’re the kind of things that can lead to unexpected tax bills, penalties, and unnecessary stress and unfortunately “𝘐 𝘥𝘪𝘥𝘯’𝘵 𝘳𝘦𝘢𝘭𝘪𝘴𝘦” doesn’t change the outcome.

If the money is moving, it needs to be recorded and structured correctly.

Hoping it flies under the radar isn’t a sound strategy.

Your numbers tell the story of your business. The question is… are you listening?At a certain stage of growth, spreadshe...
12/05/2026

Your numbers tell the story of your business. The question is… are you listening?

At a certain stage of growth, spreadsheets and compliance aren’t enough.

You don’t necessarily need a full-time CFO but you do need expert financial direction.

That’s where an Outsourced CFO comes in.

Before you make big decisions, you have someone in your corner helping you understand the impact, not just after the fact, but before it happens.

Support can include:

➡️ Strategic planning

➡️ Business plans

➡️ Cashflow management

➡️ Budgeting

➡️ Succession planning

➡️ Preparing for a sale

➡️ Restructures & asset protection

➡️ Risk mitigation

➡️ Board of advice support

It’s about having the right level of insight, at the right time, without the overhead of a full-time hire.

Want to learn more? Give us a call on 07 5539 4143 or check out our website https://proactivefs.com.au/services/outsourced-cfo/

“𝘠𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘳𝘪𝘴𝘦 𝘵𝘰 𝘵𝘩𝘦 𝘭𝘦𝘷𝘦𝘭 𝘰𝘧 𝘺𝘰𝘶𝘳 𝘨𝘰𝘢𝘭𝘴. 𝘠𝘰𝘶 𝘧𝘢𝘭𝘭 𝘵𝘰 𝘵𝘩𝘦 𝘭𝘦𝘷𝘦𝘭 𝘰𝘧 𝘺𝘰𝘶𝘳 𝘴𝘺𝘴𝘵𝘦𝘮𝘴.” – James ClearIn business, this show...
11/05/2026

“𝘠𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘳𝘪𝘴𝘦 𝘵𝘰 𝘵𝘩𝘦 𝘭𝘦𝘷𝘦𝘭 𝘰𝘧 𝘺𝘰𝘶𝘳 𝘨𝘰𝘢𝘭𝘴. 𝘠𝘰𝘶 𝘧𝘢𝘭𝘭 𝘵𝘰 𝘵𝘩𝘦 𝘭𝘦𝘷𝘦𝘭 𝘰𝘧 𝘺𝘰𝘶𝘳 𝘴𝘺𝘴𝘵𝘦𝘮𝘴.” – James Clear

In business, this shows up more than anywhere else in your numbers.

You can have growth goals, profit targets, plans for the future but if your systems aren’t there, that’s a long way to fall.

We see it often with business owners taking money out of the business; not recorded properly, no structure, no clear plan.

That’s when things start to unravel. It’s not the one transaction that creates the issue, it’s the lack of a system behind it.

Recording everything isn’t optional. It’s what keeps your business moving forward, not backwards.

And in a year that’s all about momentum, you want to make sure it’s heading in the right direction.

Good systems create good decisions. Good decisions create momentum.

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25A/207 Currumburra Road
Gold Coast, QLD
4214

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