Areas we can help
1. Chat
Schedule a complimentary 15-minute chat to see if we're the right fit to help you.
2. Get to know you
In a more in-depth meeting, we'll explore your unique circumstances and priorities to ensure our recommendations are tailored to you.
3. Map your plan
Now for the fun part. We crunch numbers and research to map out practical steps to achieve your goals. Expect a fit-for-you financial plan with actionable steps.
4. Make it happen
We'll implement your financial plan, from investments to insurance and beyond. Our team will handle all the details to turn the plan into reality.
5. Check-in and progress
When you become a client, you gain an ongoing financial partner. We'll periodically review and adjust your plan in response to life changes and market shifts. You feel confident and in control.
Have questions?
We have the answers! If you don't find what you need here, you can always get in touch, we'd be happy to assist.
Services
You can absolutely start with a specific need. Many people come to us with one question and find it connects to other areas once we look at the full picture. We’ll be upfront about what’s relevant to your situation and what isn’t.
Yes. Ongoing clients receive regular reporting on their investments as part of their service tier, and we proactively reach out when changes are warranted. The frequency and depth of reporting depends on your ongoing advice package.
The earlier the better, but it’s never too late. People who engage us 10 or more years out have the most flexibility. Those closer to retirement often find we can still make a meaningful difference to their income, tax position, and lifestyle. As for knowing when you can actually afford to step away, that’s one of the most common questions we work through with clients. We’ll model different scenarios so you can make that decision with confidence.
It means we handle the paperwork and logistics of putting your plan into action: setting up or consolidating accounts, arranging investment mandates, applying for insurance, liaising with super funds, and coordinating with your other advisers. Anything we can do for you, we do.
Almost always. Super is one of your largest financial assets, but it’s easy to neglect. The right investment option, contribution structure, and insurance settings inside super can make a material difference to your retirement outcome, sometimes by hundreds of thousands of dollars.
General advice doesn’t take your individual circumstances into account. Personal advice does. At Lume Wealth, we provide personal financial advice, meaning our recommendations are based on your specific goals, situation, and needs. This is what you receive in a formal financial plan.
A Statement of Advice is a written document that sets out the personal advice we recommend and the reasoning behind it. Yes, you will receive one as part of our formal advice process. It’s your record of what we’ve recommended and why.
Division 296 (Australia’s New “Big Super” Tax) is a proposed additional 15% tax on super earnings for balances above $3 million. If this threshold is relevant to you now or in the future, early planning is important. We can assess the impact on your situation and adjust your strategy accordingly.