About Paul

Helping people escape the debt cycle and move towards financial wellbeing

Paul Cluff is the founder and director of MoneySmith Group. He is genuinely passionate about improving the financial health and well-being of all his clients. 

Paul started MoneySmith Group in 2017 and brings over 37 years’ financial services experience including mortgage broking, financial planning, and banking.  He spent over 10 years as owner/manager of a Bank of Queensland Franchise at West End in Brisbane where he developed a loyal client base with a broad range of needs. 

Paul is committed to his continued education and professional development and is an active member of Financial Planning Association of Australia (FPA) and the Mortgage and Finance Association of Australia (MFAA).

Paul is a Registered Tax (Financial) Adviser with an Advanced Diploma of Financial Planning.  He is currently upgrading and finalising his Graduate Diploma of Financial Planning AQF8 level. Paul  passed the FASEA National Financial Planning exam in 2020 which was set as a result of the Royal Commission into financial services. Paul also holds a Diploma of Finance and Mortgage Broking Management to compliment his extensive lending experience.


In his free time, Paul loves being outdoors and is an all-round sports fan.  He loves the beach and is a volunteer Surf Life Saver for the Cudgen Beach Club at Kingscliff. As a former PT, he is passionate about health, well-being, and fitness. He constantly switches up his routines from training for a challenge, to mastering headstands at yoga.


Your first appointment with me is complimentary and obligation free.  Give me a call today as you have nothing to lose and so much to gain.

I love being part of the community and in 2000 I was successfully nominated by clients and colleagues to be a runner in the Olympic Torch relay.  A proud moment!

Your success is our ultimate reward.


Shop 12, Kingscliff Shopping Village

24 Pearl Street

PO Box 1218

Kingscliff NSW 2487


M 0433 149 788


Paul Cluff and PCFC Group Pty Ltd, ACN 615 084 243, ATF The PCFC Group Trust ABN 56 993 890 932 trading as MoneySmith Financial.

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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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Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.