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Lantern Financial Group

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Charlestown, NSW
Lantern Financial Group

Your partner for financial success. Supporting you with your Financial Advice needs. Local & virtual services nationwide

24/03/2026

⚠️ Big changes: is your Centrelink payment about to drop?

Recent changes to deeming rates (from 20 March 2026) may be impacting your Centrelink payment — even if nothing has changed in your financial position.

Centrelink uses deeming rates to estimate income from your assets, including:

* Cash
* Shares
* Managed investments
* Account-based pensions
* Certain superannuation funds

With these rates now increasing, more clients are finding their income test is now reducing their pension, rather than the asset test.

👉 What does this mean for you?

You could still have the same assets…
but receive a lower Centrelink payment.

👉 Important reminder:

If your circumstances have changed, or you’re unsure why your payment has changed, please contact Centrelink to ensure your details are up to date.

📌 Learn more:
[https://ministers.dss.gov.au/media-releases/18736](https://ministers.dss.gov.au/media-releases/18736)
[https://www.servicesaustralia.gov.au/deeming-rates-are-increasing]

12/03/2026

📣 Division 296 Has Passed Parliament — What It Means for You

Parliament has passed the Treasury Laws Amendment (Building a Stronger and Fairer Super System) Bill 2026, introducing Division 296 into Australia’s tax laws.

This change impacts only those with superannuation balances exceeding $3 million.

🔍 What’s Changing?

Division 296 introduces an extra 15% tax on certain super earnings above the $3 million mark. Balances below this threshold won’t be affected.

This is part of the Government’s Building a Stronger and Fairer Super System reforms, as detailed by the Australian Treasury.

📅 When Does It Take Effect?

The new rules kick in on 1 July 2026. The first assessments under Division 296 will be issued after 30 June 2027, based on the 2026–27 financial year.

📌 Key Points

Applies only to individuals with a Total Superannuation Balance over $3 million.

An additional 15% tax applies to earnings above that threshold.

The law has passed both houses of Parliament.

Information sourced directly from the Australian Treasury and the Parliament of Australia.

07/03/2026

💜 International Women’s Day 💜

At Lantern Financial Group, we’re proud to celebrate the incredible women who make up our team, our clients, and the families we support.

Your strength, resilience, and leadership inspire us every day.

Today, we recognise your achievements and reaffirm our commitment to supporting women to feel confident, empowered, and secure in their financial futures.

Happy International Women’s Day from all of us at Lantern Financial Group.

12/01/2026

Heads up — there’s a new superannuation change coming that will start from 1 July 2026. From that date, employers will be required to pay super guarantee contributions at the same time as wages or salary, rather than quarterly like they do now.

This change is called Payday Super, and the idea behind it is to make super contributions more regular and easier for employees to track. Under the new rules, super must generally reach your super fund within 7 business days after payday.

What this means for you:
• You’ll see super contributions made more frequently — right alongside your pay.
• It will be easier to keep an eye on your super, because contributions will match your pay cycle.

It’s a good idea to familiarise yourself with these changes so you’re prepared for the new system from mid-2026. Let me know if you have any questions! 😊

05/01/2026

🌟 Carer Allowance update 🌟

Caring for someone you love is incredibly meaningful, and it’s encouraging to see a recent update to the Carer Allowance after a long period with only small changes.

From 1 January 2026, the Carer Allowance increased to $162.60 per fortnight. While the increase is modest, it’s a positive step and a helpful reminder to regularly check in on the support available for carers.

Every little bit can help with the ongoing costs of caring, and it’s good to see continued indexation recognising the important role carers play in our community. 💛

If you’re a carer, or support someone who is, it may be worth reviewing your payments to make sure you’re receiving everything you’re entitled to.

01/01/2026

✨ Happy New Year from Lantern Financial Group! ✨

The start of a new year is the perfect time to set fresh goals and dream big. Whether it’s building your savings, planning for your future, or simply creating more balance in life—every step counts.

“The best way to predict the future is to create it.” – Peter Carey

Our tip for 2026:
Start small and stay consistent. Even setting aside a little each week can make a big difference over time. Your future self will thank you!

From all of us at Lantern Financial Group, we wish you a year filled with happiness, health, and success. Let’s make 2026 your best year yet! 🌟

31/12/2025

✨ Happy New Year from Lantern Financial Group! ✨

As we welcome 2026, we want to thank our amazing clients and community for your trust and support throughout the past year.

The New Year is a time for fresh beginnings, hope, and opportunity. Whatever your goals are for the year ahead, we’re here to help you achieve them.

From all of us at Lantern Financial Group, we wish you a year filled with happiness, health, and success. Here’s to a bright and prosperous 2026! 🌟

The Lantern Financial Group Team

25/12/2025

🎄 Merry Christmas from Lantern Financial Group 🎄

Today is a time to celebrate kindness, gratitude, and togetherness. Whether you’re marking Christmas, enjoying the holiday season in your own way, or simply taking a well-deserved break, we hope your day is filled with peace, joy, and love.

From all of us at Lantern Financial Group, thank you for being part of our community. We look forward to supporting you in the year ahead.

Wishing happiness to you and your loved ones—whatever this season means to you. 🌟
The Lantern Financial Group Team

23/12/2025

🎄 Merry Christmas from Lantern Financial Group 🎄

As the year comes to an end, we want to take a moment to thank all of our wonderful clients and community for your trust and support throughout 2025.

From all of us at Lantern Financial Group, we wish you a Merry Christmas and a Happy New Year filled with joy, peace, and prosperity.

Enjoy the festive season, stay safe, and we look forward to helping you light the way to your financial future in 2026!

✨ The Lantern Financial Group Team ✨

02/11/2025

🎈 Happy 40th Birthday to our amazing Megan Usher! 🥳🎂

She may be the baby of the team, but she’s an absolute superstar — bringing warmth, laughter, and dedication to everything she does.

Megan’s extensive knowledge and incredible drive in the financial planning space make her an invaluable part of the Lantern Financial Group team.

Her commitment to clients and her support for the team truly shine through every day. Have a fabulous 40th, Megan — We’re so lucky to have you!

Wishing you the happiest of birthdays filled with laughter, love, and of course… cake (hopefully Cheesecake 😜)! 🎂✨

31/10/2025

🎃👻 Happy Halloween from Lantern Financial Group! 👻🎃

This Halloween, don’t let financial frights sneak up on you! 💀 Whether it’s spooky spending, terrifying taxes, or ghastly investment choices, our team is here to keep your finances from turning into a real horror story. 🧙♂️📉

Remember:

* Don’t let your savings ghost you! 👻
* Avoid scary surprises by keeping your budget alive and well 💸
* And if your financial plan looks like a haunted house… we know just the spell to fix it. 🕸️✨

So enjoy your treats, beware of tricks, and rest easy knowing we’re keeping the monsters out of your money.

From all of us at Lantern Financial Group 🕯️

🦇 Stay spooky, stay smart, and shine bright this Halloween! 🎃

Address

Landmark Building C105 215-217 Pacific Highway
Charlestown, NSW
2290

Opening Hours

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

Telephone

+61249422922

Website

http://www.lanternfg.com.au/

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