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Changing Jobs? – Seizing New Opportunities

For most of us our job is more than just an income. It is fairly common for us to derive a great deal of satisfaction from our work and our career choices can define who we are and how others perceive us.

If you are currently changing jobs or thinking of doing so, the following fact sheet outlines how seeking professional financial advice can help make the decision and transition of change easier...

Changing Jobs Fact Sheet

DIVORCE – Taking the first step towards your new life

DIVORCE – Taking the first step towards your new life

The end of a significant relationship is a difficult time, marking the move into a new phase of your life. It’s hard enough to navigate the emotional upheaval and to deal with conflicting emotions, let alone working through the practical considerations of finances and the separation of joint assets. The below case study may help youContinue Reading

Investing In Your Future

Investing In Your Future

Superannuation Explained in Plain English – What is it? How much will you need? When can you access it? How to manage your own, PLUS MORE…. Investing In Your Future – Superannuation Fact Sheet

Managing Your Money – Budgeting in Plain English

Managing Your Money – Budgeting in Plain English

Managing Your Money Fact Sheet

Protecting Your Wealth – Insurance in Plain English

Protecting Your Wealth – Insurance in Plain English

Insurance is a form of protection – a way to protect yourself, your family and the things you own if something goes wrong. However, with so many types of insurance available it can be hard to work out what insurances are relevant to your situation and what level of cover you need. Below is aContinue Reading

What to Expect (Financially) When You’re Expecting

What to Expect (Financially) When You’re Expecting

​No matter how many pregnancy and parenting books you read, nothing can truly prepare you for becoming a parent. But one thing you can do is get your finances in order.As part one of our two-part series on preparing for a new baby, here’s a guide to what to expect (financially) when you’re expecting.​SET UP COSTSContinue Reading

Are Australians Achieving Their Life Goals?

Most Australians indicate their biggest life goal is a financial one, but many admit failing to plan is a roadblock. Continue Reading

New Superannuation Laws – What Do They Mean?

Changes to any laws that directly affect us can be overwhelming to navigate and understand. Below are brief summaries of the changes that will come into effect on the 1st of July this year.  Reduced Contribution Cap – Non-Concessional For many people a sensible retirement strategy is to add personal money (for example, the proceedsContinue Reading

Why Your Kids Won’t Listen to Money Advice… and how to bring them around!

Every parent wants the best for their children but let’s face it, kids often won’t listen to the wisdom of your experience, especially when it comes to money. Kids want to learn for themselves and don’t like to be told what to do! Don’t give up! Here are some of the common beliefs and misconceptions kids haveContinue Reading

LIFE CHANGES: Redundancy – Your Next Move

Redundancy can be a daunting life change. Help is at hand with these 6 financial tips to get you started.Continue Reading

Keys to De-stressing a Mortgage

Keys to De-stressing a Mortgage

      “Don’t sail out farther than you can row back.” I read this Danish saying for the first time this week in an article about mortgage stress and I must say I was a little conflicted. On the one hand, it seems sound and sensible advice for anyone thinking of borrowing to buyContinue Reading

Your Biggest Asset…Is it Protected?

What would you do if the main breadwinner in your household could no longer bring in an income? Do you have a Plan B? Most people don’t. An essential part of any financial plan is an asset protection strategy. You work hard to accumulate assets, NOT to have them jeopardised when life throws you aContinue Reading

Take Care With Super Consolidation Offers

Take Care With Super Consolidation Offers

Be very careful when considering to consolidate your Super. Getting all your eggs in the one basket isn’t as ‘easy’ as some may suggest. Read on for a real example of the possible costs…Continue Reading

Why Interest Rates are Low….and what to do about it!

Why Interest Rates are Low….and what to do about it!

Interest rates are low. So, what does that mean for you? Here’s our financial advice…   So interest rates are low again (OK, so the official cash rate of 2.00% has never been this low – but you only have to go back to 2009 to see a bargain basement rate of 3.00%).What does thatContinue ReadingContinue Reading

3 Dirty Tricks Lenders Use … and how to avoid them!

3 Dirty Tricks Lenders Use … and how to avoid them!

FINANCIAL ADVICE: We pride ourselves on honesty, so we thought we’d share this with you!Continue Reading

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This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. 

You need to consider you financial situation and needs before making any decisions based on this information.


The Trustee for Pereira Family Trust (ABN 25 467 180 446), trading as Lake Macquarie Financial Planning is an authorised 

representative of Charter Financial Planning Limited, Australian Financial Services Licensee.