Financial advice and support to help you live the life of your dreams.

What’s your money story and is it holding you back?

What you tell yourself about money can keep you stuck in a financial rut where you get caught up in stories that aren’t necessarily true.  For example, what you say about money, how you feel about money, your belief about it and how you use money.  Simply put, you money story is all the unconscious beliefs you have about money and what you believe is possible.  Negative stories can lead to financial stress and overwhelm where you become the story you tell yourself.

How would your life change if you had a different story?  With experience on our side, more than 36 years in the financial services industry and many happy clients, we are confident that through personalised, specific and clear advice, we can help you to improve your money story so you can achieve your goals and enjoy financial well-being and increased happiness. 

Yes, it’s really possible and we will help you all the way!!

Book your complimentary focus session

Here is what you can expect from your free session which which can be over the phone,  by zoom or in our office:

  • We will talk about your current financial situation and look at any short term or long term goals you may have.
  • We’ll identify any issues or concerns or questions you would like some guidance on.
  • We will discuss available options to help you move toward your improving your financial situation and achieving your goals.
  • We will wrap up with an actionable step you can take immediately to improve your situation.  
Book now


Paul Cluff is genuinely passionate about helping everyday Australians escape the debt cycle and improve their financial health and well-being. He is dedicated to enriching the lives of his clients by removing their financial stress.

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  • Proactive Mortgage Broker who gets the results

    Paul was able to secure us a construction housing loan and also retain our existing house, which meant we don’t have to rent while our house is being built. He had his work cut out as one of us was self-employed, but through persistence he managed to get us a great result. Would definitely recommend him to anyone wanting a loan, and I have already recommended him

    Stacey, QLD

  • Professional personified

    Paul was extremely helpful and cared about our position in life. He did not just do it for the sale. He was friendly, approachable and extremely knowledgeable. His help and guidance was outstanding.

             Shannon, QLD

  • Efficient and Worth It

    Paul has been a really good guide for myself as I am still young and have only started to learn about the housing market. When I first mentioned to Paul about wanting to buy the house, we went through the savings that I had as well as what I was making each month to determine the approximate loan I could receive from the banks. Paul then asked around, searching for the best deal possible and came back to me very quickly with whom he thought had the best interest rate and monthly repayments. 

    Courtenay, QLD

  • Fast, Professional and Customer centric!

    Paul was able to explain complicated financial terms simply, and will use Paul again for mortgage, financial and wealth management services. We have been so impressed with Paul, we have highly recommended him to friends and family.

    Kris & Lou, NSW

  • Outstanding!

    Paul assisted me with the purchase of my first property, he helped me every step of the way and was very informative and knowledgeable. I would recommend him highly to anyone seeking assistance with a loan or general financial advice.

    Moorooka, QLD

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Contact Us

Phone or text –  0433 149 788


Shop 12, Kingscliff Shopping Village, 28 Pearl Street, Kingscliff NSW 2487
PO  Box 1218, Kingscliff NSW 2487


    Shop 12, Kingscliff Shopping Village

    24 Pearl Street

    PO Box 1218

    Kingscliff NSW 2487

    M 0433 149 788


    Paul Cluff  is an Authorised Representative No. 000355390, and PCFC Group Pty Ltd, ATF PCFC Group Trust is a Corporate Authorised Representative No. 001249859 and of  Spark Advisors Australia Pty Ltd AFSL 380552.


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    Paul Cluff Credit Representative Number 383304 and Skyeblu Pty Ltd, ACN 108 370 341, trading as Moneysmith Australia.

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    General Advice Warning: The information in this website and the links has been prepared for general information purposes only and does not take into account your personal objectives, financial situation or needs. It is not intended to provide commercial, financial, investment, accounting, tax or legal advice. You should, before you make any decision regarding any information, strategies, or products mentioned in this website, consult a professional financial advisor to consider whether it is suitable and appropriate for you and your personal needs and circumstances. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product, together with the Target Market Determination (TMD)”.