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.

3 Ways to Get a Foot on the Investment Property Ladder

Creative investment property ideas for younger Australians
It won’t come as a huge surprise to learn that Australian homes are among the most expensive in the world. In a recent Demographia Housing Affordability Survey every Australian town and suburb was rated as ‘seriously’ or ‘severely’ unaffordable. And if you’re in a capital city it’s even […]

2016-17 Federal Budget Update

Federal Treasurer Scott Morrison put forward a number of proposed changes, mainly around contributions to superannuation and taxation, in his budget speech.

Here’s a brief roundup of what the proposals could mean for you—whether you’re starting out in your career, taking care of family, on the cusp of retirement or enjoying life after work.

Remember, proposals […]

Federal Budget 2016 -17 Pre-Budget Update

This ‘Election budget’ will highlight the need to reform.

There will be added interest in the Federal Budget 2016-17 announcement on May 3 as it’s likely to be the final major economic statement the Government makes before the election later this year.

With the opposition taking a strong stance on capital gains tax and negative gearing, […]

Aged Care Newcastle – Rental Income Assessment Changes

Leaving the family home to enter residential care is a tough decision. On the one hand, you (or your loved ones) are leaving a place you’ve made your own over decades. On the other hand, those moving in to aged care often experience an immediate boost in quality of life – fewer responsibilities, more […]

Five ways to simplify your life

If managing life’s everyday complexities only seem achievable when you’re daydreaming about the chef, cleaner, personal assistant or nanny that you don’t have, you’re probably not alone.

And, if ‘turbulent’ is the way you’d describe your day-to-day routine, these tips may help you get back the hours you need for the things that matter most.

1. […]

Insurance Through Superannuation – 8 Things You Should Know

Am I better off buying insurance through superannuation?
When it comes to arranging insurance it’s important to decide what types of insurance are available to you and what you’ll need for your particular life circumstances. From here you’ll need to consider whether you should keep it inside your super fund or set it up separately.
What […]

A rough start to the year, which could have further to go

Seven reasons not to get too concerned though

Key points

Financial markets have started the year on a rough note as last year’s worries about China and global growth in the face of US monetary tightening continue.
This could drive more short term weakness. However, in the absence of US/global recession, which still seems unlikely, it’s hard […]

The Threat of Global Deflation – Financial Planning Newcastle

Financial Planning – Key Points

>> Falling inflation on the back of falling commodity prices and global spare capacity indicates deflation is more of a threat globally than a surge in inflation.

>> Further monetary easing in Europe, Japan and elsewhere should help head the threat off but it’s worth keeping an eye on.

>> Low interest […]

Protecting clients Against the Impact of Prostate Cancer

With Movember now in its final week, it is timely to consider the various insurance policies that may best protect your clients against the financial effects of prostate cancer.
This month marks ‘Movember’, the annual campaign to raise awareness of men’s health issues, including prostate cancer. Prostate is the most common cancer detected in men, with […]

Insurance, TPD and Super

Who would have thought that changing one three letter word for another could make a difference to insurance cover within superannuation?

But, changing the definition of the types of insurance allowed to be held through superannuation has had just such an outcome.

That’s because, from 1 July 2014, the only new type of insurance policies that […]