Lumaire Wealth

03/11/2026

Rates are up again. 0.25% today, taking the cash rate to 4.85%.

If you've been doing mortgage maths in your head since 2:30, you're not alone. Here's what it actually means, and three calm things worth doing this week.

18/06/2026

Broke bestie is at it again.

18/06/2026

My little broke bestie

14/05/2026

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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