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# Lumen Financial Strategists

## Sitemaps

- [XML Sitemap](https://www.lumenfinancial.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [News](https://www.lumenfinancial.com.au/news/)
- [10 tips to prepare for retirement](https://www.lumenfinancial.com.au/2018/08/09/10-tips-to-prepare-for-retirement/) - Looking forward to retirement? Check out our top 10 tips to make sure you’re on track. Tip 1: Take stock - How do you want to live in retirement? Now do the numbers. How much will it cost? How much have you saved? Do the figures meet your expectations? If not, what action do you
- [Personal Risk Management Plan - Do you have one?](https://www.lumenfinancial.com.au/2018/04/09/personal-risk-management-plan-do-you-have-one/) - Risk Management Plans don’t only apply to businesses – every person and family should also have a plan to help them cope in the event of an unexpected crisis. No doubt you have insured your car as the risks of damage are obvious to you on a daily basis. You will almost certainly have insured
- [3 mistakes people make with their super](https://www.lumenfinancial.com.au/2017/11/02/3-mistakes-people-make-with-their-super/) - Superannuation is one of the most effective wealth creation tools in Australia today. The taxation benefits of voluntary contributions into your superannuation are well-known. Unfortunately, however there are simple mistakes that people regularly make which means their super account is not working as effectively as it could for them. In fact, over the long-term, these
- [Protecting your life at any age](https://www.lumenfinancial.com.au/2017/10/05/protecting-your-life-at-any-age/) - So, you are seriously starting to think about your retirement. The kids are finally more independent, the mortgage is less than it was, and the super is more than it was. You look at your monthly bank statements and one particular debit is always there. The insurance premium. You have been paying it diligently for
- [4 things that will protect you from financial disaster](https://www.lumenfinancial.com.au/2017/09/22/4-things-that-will-protect-you-from-financial-disaster/) - Most of us rely on receiving a steady income to pay the bills. But what would happen if that suddenly dried up? Could you still pay your living expenses? Here are four ways to make sure your finances can weather any storm. If so, for how long? Or would you need to sell your car-
- [Understanding Market Cycles & Economic Relationships](https://www.lumenfinancial.com.au/2017/05/22/marketcycleseconomicrelationships/) - The Australian share market is putting in a consolidating performance so far in 2017. The share market has a 52 week high of 5,950 and the US Dow Jones recently hit a record high of 21,000. There is much more anecdotal evidence in Australia as to why the All Ords now has the best chance
- [Different ways to invest in shares](https://www.lumenfinancial.com.au/2017/03/23/different-ways-to-invest-in-shares/) - Media headlines focus more on share market drops than rises, but wherever there is a weakness there is usually an opportunity lying in wait. High quality companies are available at excellent value if you know where to look, but if you’re not sure how to take advantage of these opportunities, we’ve outlined three ways to
- [The US Fed lifts rates - What does it mean for you?](https://www.lumenfinancial.com.au/2016/12/20/the-us-fed-lifts-rates-what-does-it-mean-for-you/) - ‘The Fed lifts the official Interest Rate’, and what this means for Investors and Australia? The Federal Reserve of the United States has lifted its interest rate from 0.5% to 0.75%, which reflects a confident outlook on US economy as it begins to recover. This rate increase is the second increase since the 07 –
- [Things you need to know about your Mortgage](https://www.lumenfinancial.com.au/2016/12/02/things-you-need-to-know-about-your-mortgage/) - Here are a few things that potentially can be done to reduce the anxiety and stress when looking at borrowing money or when reviewing your current arrangements Don’t borrow the Maximum amount – most financial institutions will determine the maximum loan they will provide you, based on your income and expenses. If you do borrow
- [Active vs Passive Investment Management](https://www.lumenfinancial.com.au/2016/10/21/active-management-vs-passive-management/) - Active v Passive Investment Management – what is it? There are essentially two main investment management techniques, Active and Passive. Actively managed funds are those where the fund manager aims to outperform the market by frequently buying and selling securities that they think are going to do better than others[1]. Passive investment funds, also known
- [The Role of Franking Credits](https://www.lumenfinancial.com.au/2016/10/14/the-role-of-franking-credits/) - It’s obvious that investors select investments based on the rate of return they can earn on their funds. For share investments, the rate of return has two components: 1. Sell the share for gain - assume you purchase 100 shares $20 each. If you later sold the shares for $40 each you have made a
- [Managing Life Changes](https://www.lumenfinancial.com.au/2016/09/22/managing-life-changes/) - You’ve probably heard the saving ‘change is as good as a holiday’. And sure, in some situations, altering your circumstances can be refreshing. However not all major life changes make you feel immediately clear, secure, and ready to take on the world. When everything you know is turned upside down, moving forward successfully is not

## Pages

- [Home](https://www.lumenfinancial.com.au/) - At Lumen Financial Strategists, we aim to provide advice that is clear and simple to understand. We do this by getting to know and understand everything about our Clients’ lives and providing them with customised solutions to provide them peace of mind. At Lumen, we provide a full range of holistic advisory services to individuals,
- [Important Information](https://www.lumenfinancial.com.au/resources/important-information/) - GENERAL ADVICE WARNING This website is published by Nino Matkovic and Lumen Financial Strategists Pty Ltd. Nino Matkovic (AR No. 285648) and Lumen Financial Strategists Pty Ltd (CAR No. 316434) are authorised representatives of Sentry Advice Pty Ltd (ABN 77 103 642 888), AFSL 227748. The information contained in this website and any of the
- [Financial Health Check](https://www.lumenfinancial.com.au/our-services/financial-health-check/) - Because we know your time is precious ... and because we also want you to get the most out of the meeting ... we’ve prepared just two ‘quick-and-easy’ questionnaires: The first one is a ‘5-Minute Financial Health Check’ to determine your financial priorities. The second one is our ‘About You Questionnaire'. This will take no
- [For individuals & Families](https://www.lumenfinancial.com.au/our-services/for-individuals-families/) - Solutions For Individuals & Families
- [About you Questionnaire](https://www.lumenfinancial.com.au/our-services/financial-health-check/about-you-questionnaire/)
- [5 Minute Health Check](https://www.lumenfinancial.com.au/our-services/financial-health-check/5-minute-health-check/)
- [Meet the Team](https://www.lumenfinancial.com.au/about-us/meet-the-team/) - Nino Matkovic is an Authorised Representative of Sentry Advice Pty Ltd AFSL 227748.
- [How We Work](https://www.lumenfinancial.com.au/about-us/how-we-work/) - At Lumen Financial Strategists, we listen. We spend time with our clients in getting to know them. We want to understand what their concerns and aspirations are. We gather all the financial information we need to undertake our thorough and comprehensive research. By doing this, it enables us to develop tailored strategies that will assist
- [Links](https://www.lumenfinancial.com.au/resources/links/) - Sentry Group Money Smart Thinking about your own SMSF Australian Stock Exchange Reserve Bank of Australia
- [For businesses](https://www.lumenfinancial.com.au/our-services/for-businesses/)
- [Our Mission](https://www.lumenfinancial.com.au/about-us/our-mission/) - To build life-long relationships with our clients by providing strategic financial advice and outstanding service that will provide them the greatest potential to realise their personal and financial goals.
- [Contact Us](https://www.lumenfinancial.com.au/contact-us/) - Enquiry Form
- [Resources](https://www.lumenfinancial.com.au/resources/)
- [Our Services](https://www.lumenfinancial.com.au/our-services/)
- [About Us](https://www.lumenfinancial.com.au/about-us/)

## Categories

- [Lumen News](https://www.lumenfinancial.com.au/category/lumen-news/)
- [Industry News](https://www.lumenfinancial.com.au/category/industry-news/)