Brad

About Brad Lonergan

Brad Lonergan is a Financial Planner in the Newcastle and Hinter region in NSW, Australia. His company is BMK Financial Services.

Making a Smooth Transition to Retirement

 With a Transition to Retirement Planning strategy, you can continue working and access your super
Retirement used to represent a sharp break with the past – one day you were working full time, the next you were sitting at home with the rest of your life ahead of you. These days, the transition doesn’t have […]

Financial Planning to Avoid Mistakes

Financial Planning Mistakes
Selling shares when prices have tumbled or, buying a house at the height of a property boom only to dispose of it when the market falls are among the financial set-backs that can happen to anyone on the road to retirement.

Everyone makes mistakes during their investment lifetime; the trick is to avoid […]

Paying for Aged Care and Getting Advice in Newcastle

The decision around whether to get some home help or move to where you or a loved one can get support and aged care is never an easy one.

But from 1 July changes to the aged care system should give individuals and families a clearer understanding of the choices they have and the cost […]

Weighing up the Cost of Aged Care – Assets Advice Newcastle

Aged Care Rules
Was aged care on the mind of American crooner Frank Sinatra when he sung about a few regrets in his classic My Way, but his lyrics also boasted that he “planned each charted course, each careful step along the byway” of life.

Regardless of whether Ol’ Blue Eyes’ choices were wise or not, […]

Are Australians Becoming a Cashless Society?

Australians are edging towards a cashless future, as consumers use debit cards or other electronic payment methods in preference to cash at the checkout and online. But whether we will entirely shun notes and coins in the future is not certain.

For one thing, cash has its benefits. It’s easier for small transactions such as […]

The Financial Implications of Marriage in Later Life

Romance blooms at any age, including as we get older and supposedly wiser about such things of the heart, and head. So, if you’re considering marriage, perhaps for a second time or more, give thought to the financial implications of marrying later in life and sidestepping some of the money-related hazards.

Financially, there are two […]

Fight for the Fittest Life – Insurance Discounts for the Active

Rupert Murdoch wears one, so does Gwyneth Paltrow. Wearable fitness devices are the latest must-have accessory for health conscious media moguls, celebrities and ordinary Australians. So it was only a matter of time until health insurers got behind the trend.

Some major health funds have recently launched campaigns to attract new members by offering them […]

House Price Growth Could Fade in 2015 After Solid Spring

Domain Group Senior Economist Dr Andrew Wilson says capital city house prices are set to grow by an average of 5% over the 2014/15 financial year, with Sydney and Brisbane leading the way.

Australia’s capital city housing markets have performed solidly through the winter of 2014 with the prospect of a generally robust spring selling […]

Saving in a Material World – Financial Planning

It’s not easy to be thrifty in our consumer society. We’re surrounded by so much temptation that it can be difficult to avoid spending money.

So why not try taking a break from spending? If you can tighten your belt on the little things, it can help ensure you have enough for the odd splurge, […]

Mortgages – to Fix or Not to Fix?

With official interest rates in Australia tipped to rise later this year and the United States expected to follow suit next year, home buyers and existing mortgage holders are faced with a dilemma. Should I lock in a low fixed rate now or wait?

Economists are forecasting rate rises across the globe, including in Australia, […]