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Lumaire Wealth

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Lumaire Wealth

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Lumaire Wealth, Financial planner, Level 1, 142 Union Street The Junction, Newcastle.

29/06/2025

Between school pick-ups, client calls, and mortgage math… who’s got time to think about tax deductions?

YOU DO!
Because like it or not, you’re the CFO of your household. And missed deductions? That’s missed money, straight out of your family’s future.

Even if you’ve got an accountant, they can’t claim what you don’t flag.

📂 Here are a few of the most commonly overlooked deductions — and yes, some of them might surprise you:

Some of the most commonly forgotten deductions in Australia?

→ Personal super contributions

→ Work-from-home expenses (yes, even your WiFi!)

→ Union or membership fees

→ Income protection premiums

→ Advice fees for your investments or tax planning

→ Work-related education or training

As the family’s financial decision-maker, make sure you’re getting back everything you’re entitled to.

You’ve done the work — now make sure it pays off.

Claim smart. Lodge confidently. And if you’re still unsure, 📩 DM us and we’ll help you navigate what your entitled to.

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28/06/2025

🕓 LAST CALL: Wealth Moves Before June 30! ⌚️📆
EOFY is around the corner - now’s the time to lock in smart money moves before the window closes. Here’s your 5-point checklist to stay financially fit and tax-savvy:

✅ Maximise concessional super contributions

✅ Review investment gains/losses for tax planning

✅ Use any private health or insurance rebates

✅ Claim deductions for work-from-home or professional expenses

✅ Prepay deductible expenses (if it makes sense for your situation)

Every dollar you move intentionally today can shape your financial freedom tomorrow. You’ve got days left. Make them count financially.

📩 DM us if you’re unsure what applies to you - we’ve got you.
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24/06/2025

“Budget” is a loaded word. Restrictive. Boring. Unnecessary. (Kind of like how “diet” gets a bad rap.)
But what if we reframed it?
It’s not about saying no — it’s about knowing how.

A budget is really just a spending plan.

It tells you where things are going, instead of leaving you wondering where it all went. It helps you set aside what you need for rent or your mortgage. Know exactly how much you can spend on dinners out, weekend plans, or pilates.

And track what’s building toward your next holiday, house deposit, or future-you fund.
It also helps you spot overspending before it becomes a problem. So you can enjoy life now without sacrificing what matters later.

It isn’t about restriction. It’s about intention - for your money, your time, and your life.

Want a spending plan that’s you-coded and actually works?

Book a Clarity Call Today - link in bio.
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22/06/2025

Hot take: AI has no business managing your money. 💵
It can write an email.
It can summarise a podcast.
And set-up automations.
But telling you where to invest, how to structure your super, or whether to fix your mortgage? That’s a hard no.

Here’s why:
1️⃣ It doesn’t know you
Your values, goals, debt, risk tolerance, or family plan. AI is generic. Your financial plan shouldn’t be.

2️⃣ It gets it wrong (a lot)
Especially with Australian tax law, superannuation, or Centrelink thresholds. One wrong answer could cost you more than a typo.

3️⃣ It can’t weigh trade-offs
Strategy isn’t just about choosing the option, it’s about knowing the impact. That takes real experience.

At Lumaire, we combine experience, clarity, and context to give you advice that actually fits your life. And while we love AI for plenty of things, your financial future isn’t one of them.

Ready for advice that’s built around you, not an algorithm? Let’s talk.

15/06/2025

I thought my super insurances had me covered … until I actually checked.”
It’s a sentence we hear more often than you’d think.
One assumption - that’s all it takes to be left exposed.

And it’s usually the ones we don’t question that do the most damage.

You don’t need to panic.
But you do need to be sure.

💬 Got insurance through your super? It might not cover what you think.
💬 Young and healthy? That’s exactly why now is the time to act.
💬 Think your super goes straight to your family? Only if your nomination is set up right.
💬 Built a strong business structure? Great, but what does it actually protect?
We’re not here to rattle you.

We’re here to give you clarity and help you make decisions that actually protect what matters.

Swipe through for the 4 most common myths and the facts that change everything.

Want to check where you really stand?
Book a clarity call or DM us to discuss the best first step for you.
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12/06/2025

The Real ROI of Advice? It’s Not What You Think.
When most people hear “financial advice,” they think numbers - percentages, performance, market timing.

But at Lumaire, that’s not our only measure of success.

The real return?
It’s sleeping better at night because you’re not second-guessing every decision.
It’s saying yes to that family holiday—without the guilt.
It’s feeling clear, confident, and in control—not just about retirement, but the life you’re living right now.

Yes, we optimise you investments and grow your wealth.
But more importantly, we help you experience money with more ease, intention, and freedom.

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11/06/2025

You’re earning more than ever, but that big fat savings account? Nowhere to be seen.

And before you say “I’m just bad with money”… you’re not. 💸
It’s just that financial literacy isn’t something we’re taught - especially when you’re on a decent income.

There’s this myth that budgeting and money management is only for people on a low wage.

And just when you thought a pay rise would solve everything, now there’s just more dinners, more subscriptions, more “treat yourself” moments… and still no real savings.

That’s lifestyle creep in action.
And a bigger income doesn’t fix messy money habits, it magnifies them.

Thus you’re left wondering where it all went.
First step? Track your spending.

Not to shame yourself, but to see the full picture. From there, we can build a plan that aligns with what you actually want.

So, if you’d like your money where you can see it.
Let’s talk - book your clarity call now.
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10/06/2025

You’re married - but should your money be? 💍💸
Combining finances isn’t just a relationship milestone.

It’s a strategy - and it has to work for both of you.
These conversations can feel a bit awkward (or weirdly formal), but avoiding them doesn’t make things easier. It just pushes clarity further out of reach.
Start here:
💍 Are our goals and values aligned?
💍 Do we spend the same way?
💍 Are we clear on debts?
💍 How much independence do we want?
💍 How will we talk about money - regularly?

Love is one thing.
Shared finances? That’s another conversation.
Unsure what’s fair, smart, or sustainable for both of you? Let’s talk. Book a clarity call.
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08/06/2025

The smartest girl in the room is the one who knows where her money’s going.
9 Money moves to help you get there:

📎 Review your direct debits, I promise at least one subscription is haunting you.
📎 Use a broker - more choice, better rates, less stress.
📎 Ask for a loan rate review… bank loyalty isn’t worth burning a hole in your wallet.
📎 Check your mortgage repayment frequency: switching from monthly to fortnightly can shave years off your loan.
📎 Use your offset account properly, keeping your savings in there can reduce the interest you pay on your mortgage.
📎 Track your spending for 7 days… just trust me.
📎 Treat your tax return like a strategy, not a shopping spree. ( a whole post on this later )
📎 Set up separate accounts for bills, spending, and saving. Make it visual, make it automatic.
📎 Set a ‘money review date’ once a month - light a candle, pour a bev, check your numbers. Ritualising it makes it less scary - and romanticising makes it way more fun.

Smart money girls don’t gatekeep, drop any tried and tested money moves below 👇🏼

Address

Level 1, 142 Union Street The Junction
Newcastle, NSW
2291

Opening Hours

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

Website

http://www.lumaire.co/

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