Lawrance Private Wealth

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Lawrance Private Wealth

We are committed to providing objective advice with total accountability, driven by an adviser owned and managed service.

26/05/2025

As we move through life, our perspective on finances naturally evolves.

In our younger years, retirement often takes a back seat to more immediate priorities—buying a first home, building a career, or starting a family. But as we grow older, our focus shifts toward securing a comfortable and sustainable income for retirement.

At every stage, we help you strike the right balance between meeting your current needs and planning for your long-term financial future.

23/05/2025

What does a financial advisor relationship look like?

Here, Senior Associate Liam Robinson is busy starting the onboarding process for one of our valued new clients.

Our proprietary fact find is an integral step in the new client journey, helping us identify your financial values, current wealth position and ultimately your advice objectives.

If you’d like to hear more about the new client process, please reach out with your details and we’ll get in touch. Call the office on 02 6185 2710 or email the team directly at [email protected]

21/05/2025

With June 30 around the corner, our attention quickly turns to our financial to-do list for the 2025 financial year.

May is a great time to review your superannuation caps for the financial year, in addition to taking advantage of government incentives. This can include, but is not limited to:

--> Concessional contributions
--> Non-concessional contributions
--> Spouse contributions
--> Government co-contributions

If you’d like to learn more about contribution limits, please reach out with your details and we’ll get in touch. Call the office on 02 6185 2710 or email the team directly at [email protected]

25/03/2024

CONTRIBUTION CAPS
From July 1 concessional and non-concessional contribution limits will be revised upward. The increases are especially pertinent to high-income earners, pre-retirees, and small business owners.

WHAT ARE CONTRIBUTION CAPS?
Contribution caps limit the amount of savings you can contribute to superannuation. Concessional contributions (before tax) include super guarantee payments made by an employer, salary sacrifice, and contributions claimed as tax deductions. These are taxed at 15% within superannuation.

Non-concessional contributions are made from after-tax income and are therefore not taxed when entering superannuation. You may also be eligible to “bring forward” contributions to maximise the amount of savings in superannuation.

WHAT DO I NEED TO DO?
Superannuation is a tax-efficient vehicle for building and preserving wealth. Be sure to review your existing contribution plans to make you are making the most of the forthcoming increase.

Should you wish to discuss the contributions caps or superannuation in more detail, don’t hesitate to contact us and we’ll put you in touch with with of our trusted financial advisers.

General Advice Disclaimer:
The information and opinions within this post are of a general nature only and do not consider the particular needs or individual circumstances of investors. The Material does not constitute any investment recommendation or advice, nor does it constitute legal or taxation advice. Zuppe International Pty Ltd (ABN 12 628 405 952) does not give any warranty, as to the accuracy, reliability or otherwise of the information and accepts no liability for any loss or damages suffered as a result of reliance on such information or opinions.

22/03/2024

WHAT IS AN SMSF?

An SMSF is a private superannuation fund that individuals manage themselves. They are a suitable option for individuals seeking greater control over their retirement savings.

Members can tailor the fund's investment strategy to their individual needs and preferences. SMSFs have 1-6 members, all of which must be trustees or directors of a corporate trustee.

While SMSFs offer flexibility, they also incur extra costs including tax returns and adviser fees. Trustees must also ensure compliance with the relevant superannuation laws and regulations.

Individuals should seek professional advice before establishing an SMSF to ensure it aligns with their financial goals and circumstances.

General Advice Disclaimer:
The information and opinions within this post are of a general nature only and do not consider the particular needs or individual circumstances of investors. The Material does not constitute any investment recommendation or advice, nor does it constitute legal or taxation advice. Zuppe International Pty Ltd (ABN 12 628 405 952) does not give any warranty, as to the accuracy, reliability or otherwise of the information and accepts no liability for any loss or damages suffered as a result of reliance on such information or opinions.

adviser

15/03/2024

Negative Gearing

Following the recent amendments to the stage three tax cuts, there has been a broader discussion on tax reforms to address housing affordability.

One potential area of debate regards negative gearing, a tax concession used by investors to lower taxable income and therefore personal tax obligations.

What is negative gearing?
Negative gearing occurs when the expenses associated with an asset exceed the income received. For example, an investment property may earn $30,000 in rental income and incur $40,000 in interest and maintenance costs. The net income would be a loss of $10,000 and be classified as negatively geared.

Conversely, positive gearing occurs when the income from the asset exceeds the expenses.

Why would an investor negative gear?
Losing money on an investment may sound counterintuitive. However, the strategy is coupled with the expectation that over time the increase in the capital value of the asset offsets accrued losses.

Will negative gearing laws be changed?
So far, the government has denied changes to negative gearing are on the table.

adviser

13/03/2024

Last Friday on International Women's Day we sent Kristy from our Goulburn office to the Goulburn International Women's Day lunch at Valerie's Sunroom.

It was led by a panel of four extremely inspiring female business owners from Goulburn and the surrounding region.

We asked Kristy what she enjoyed....."One of the things I enjoyed the most about the day, was listening to what two of the guest speakers had overcome, owning and managing businesses in male dominated fields."

photo credit: Ask Pakis

07/12/2023

Christmas is just around the corner! 🎄✨

The Lawrance Private Wealth office will close on Friday 22 December 2023 for the upcoming holiday season as the team takes a well-deserved rest.

We want to extend a thank you to our clients who we have worked with over the past year. We hope you have a fantastic holiday break, and we are looking forward to seeing you back in the office commencing Monday 8 January 2024 👋

Looking to book an appointment in the new year? Get in touch: lawrancepw.com.au/contact

24/11/2023

Our team of trusted experts is available to advise you on your investment journey to ensure you are making investment decisions that align with your risk profile.

With access to world leading research, the Lawrance Private Wealth team works closely with you to manage your portfolio to better protect and grow your wealth.

📞 Contact us to find out more and to schedule a consultation.

lawrancepw.com.au/

12/11/2023

We know it can be difficult to know where to start to make your financial dreams a reality.

At Lawrance Private Wealth, we bring together industry expertise and the best technology to work with you to understand your current situation and develop tailored strategies to help you achieve your financial goals and objectives 🌟

Get in touch with our experienced team of financial advisors to build your wealth.

lawrancepw.com.au/

30/10/2023

There is a wide world of assets to invest in from physical to financial, including:

📈 Shares
📈 Passive funds (exchange-traded funds)
📈 Active funds
📈 Government and corporate bonds
📈 Cash or term deposits

At Lawrance Private Wealth, we have access to world leading research, Australian and international shares, other listed and unlisted assets and portfolio management techniques to help us protect and grow your wealth.

Contact us today for more information or to schedule a consultation.

lawrancepw.com.au/

05/10/2023

Adam Lawrance is participating in the Menslink Great Walk again this year!

The Menslink Great Walk raises funds to support Menslink programs in the Canberra Region that benefit young men and their families.

Show your support for Adam and the important assistance Menslink provides.

menslinkgreatwalk.com.au/adam-lawrance-lpw

Address

Level 2, 15 London Circuit
Canberra, ACT
2601

Telephone

+61261852710

Website

https://www.lpw.au/

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