Kondilis Lucas Financial Planning

02/06/2026

01/06/2026

01/06/2026

Project backed Financial Planning.
Our process is simple but effective;
1. Initial meeting
2. Fact finding discovery
3. Strategy and Plan meeting
4. Statement of advice scope prepared
5. Application
6. Review and prepare

30/05/2026

Bringing Australia’s leading advice Innovation to our clients in CQ is always top of mind at .
We believe in investing in allowing staff and clients to be at the forefront of Financial Planning Advice. Giovanna , our contract admin enjoying the day out in the innovation day in Sydney.

22/05/2026

Our office bridges real-world property experience with a professional and accredited financial planning framework.
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Strategic Advice is based on the Real Estates debt and managing cashflow it produces.

20/05/2026

Why some growth investors actually need low risk.

The term “growth investor” describes the goal, not the constraints.
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People love to see themselves as growth investors in shares until they need the money.
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Plenty of people want growth from their savings, but cannot afford the type of losses that typical growth portfolios create.
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Being in growth stocks and assets requires staying invested through tough times— not just high returns.
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Growth does not come from choosing risky assets once.
It comes from staying invested for many years without being forced out.
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A Growth investor who:

sells during drawdowns
switches strategies at the wrong time
reduces exposure after losses,

Will always grow slower than a calmer investor using a lower‑risk conservative or moderate model.

19/05/2026

These budget reforms do not help people in regions. Not everyone has the opportunity to be a highly paid professional , they have to be resourceful. Financial Planning was always a way forward with advice around Small business and Investing as the path of sacrifice to get ahead and pass something onto the next generation. Making things more complex will delay investment and expansion, whilst reducing confidence in stretching one’s self.

19/05/2026

17/05/2026

Investment Bonds (For Cash & Shares)
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This may help with the proposed transition rules.
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If your trust primarily holds liquid wealth for the next generation, you can wind down the trust and transfer the capital into Investment Bonds.
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It works by investing cash into a bond held in your children's or grandchildren's names.
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The Tax Relief: Investment bonds are "tax-paid" structures. The bond issuer pays a flat 30% tax internally on earnings.The Long-
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If you hold the bond for 10 years, all accumulated growth and final withdrawals become 100% tax-free. It completely bypasses both the trust tax system and the personal income tax system for the next generation.

This is general advice in nature.