SeaChange Financial Planning

SeaChange Financial Planning We are a boutique financial planning practice in Port Macquarie that can help you achieve your finan

Do you struggle to control your spending around your friends and family? If the urge to 'keep up' with a certain lifesty...
20/12/2022

Do you struggle to control your spending around your friends and family? If the urge to 'keep up' with a certain lifestyle is stretching your finances, it could be time to take action. 🛍️💸

Do you struggle to control your spending around your friends and family? If the urge to ‘keep up’ with a certain lifestyle is stretching your finances, it could be time to take action. From splitting the bill at an expensive restaurant to having the ‘right’ house, car and clothes, many of us...

If you're a first home buyer, you may be eligible to withdraw voluntary super contributions you've made (plus earnings) ...
14/12/2022

If you're a first home buyer, you may be eligible to withdraw voluntary super contributions you've made (plus earnings) to put towards a home deposit. 🏠💸

If you’re a first home buyer, you may be eligible to withdraw voluntary super contributions you’ve made (plus earnings) to put towards a home deposit. Through the First Home Super Saver Scheme (FHSSS), first-home buyers may be able to use Australia’s superannuation system as a tax-effective wa...

🎄For kids, the meaning of Christmas can get lost in the excitement of receiving presents or gorging on Christmas goodies...
07/12/2022

🎄For kids, the meaning of Christmas can get lost in the excitement of receiving presents or gorging on Christmas goodies. But there are lots of ways to save your cash and shift the focus back onto healthier values.👨‍👩‍👧‍👦🎅🍪

What’s the meaning of Christmas in your household? While it can sometimes feel like spending a small fortune on gifts and food is non-negotiable, it’s not the only option. And, if you have kids, the holidays are a great time to teach them about the value of money – while having a heap of fun ....

Retirement can start to feel closer when you’re in your 40s. Fortunately, there’s still plenty of time to make decisions...
16/11/2022

Retirement can start to feel closer when you’re in your 40s. Fortunately, there’s still plenty of time to make decisions that could have a positive impact on your future financial well-being. Find out how.

By the time you’re in your 40s, you’ll potentially be earning more money than you may have previously – but you may also have unexpected or unwelcome expenses, like divorce. At this age you might also put retirement planning on the backburner in favour of more pressing financial commitments, s...

If you’ve recently split from your partner or are wondering who'll get the home or the car if you do, in this article we...
09/11/2022

If you’ve recently split from your partner or are wondering who'll get the home or the car if you do, in this article we address some of the key issues and concerns.

If you’ve recently split from your partner or are simply wondering what might happen if you do, you’ll need to keep your financial wits about you. A division of assets and debts, whether they’re held separately or together, maybe on the cards. Here are some of the things to be aware of when it...

Super is a longer-term investment designed to fund your retirement. While it’s a popular option for many, there are also...
02/11/2022

Super is a longer-term investment designed to fund your retirement. While it’s a popular option for many, there are also a number of investment options outside of super to consider. Here’s what you need to know. 👇🏻

When it comes to investing, you have two options – inside or outside of super. Super, being a longer-term investment designed to fund your retirement, comes with a number of advantages such as being lightly taxed (which can mean, more money to invest in your financial future) but does have some co...

According to research, some 50% of Australians are worried that they don't have enough money for retirement. If you're o...
26/08/2022

According to research, some 50% of Australians are worried that they don't have enough money for retirement. If you're one of them, we can help 👍 Talk to us today to find out how.

FORO – the fear of running out – is a very real issue in Australia. AMP’s Financial Wellness research indicates that almost 50% of Australians are worrying that they don’t have enough money for retirement. The realisation that you may someday soon be living off your retirement savings can be...

Micro-investing is gaining popularity as more people discover the ease of building an investment portfolio without all t...
18/08/2022

Micro-investing is gaining popularity as more people discover the ease of building an investment portfolio without all the fuss. It is simply an investment platform that allows people to invest a small amount of money into specific investments while taking care of all the admin involved with investing. 📈💰

The concept of investing in shares or other investment products can put a lot of people off. It can be difficult to understand, the share market is intimidating, and investment brokers generally only deal with people who have a lot of money to invest. Micro-investing came about as a way to help more...

People in their 20s and 30s tend to overlook superannuation, potentially missing out on opportunities that could make a ...
10/08/2022

People in their 20s and 30s tend to overlook superannuation, potentially missing out on opportunities that could make a real difference to their retirement savings in the long term. ⌛ Here is what you need to know. ❗

People in their 20s and 30s tend to not do much with their super, and that can be a mistake in itself. It could leave them with a large gap between what they’re capable of contributing in the last 10-15 years before retirement and the level of income they want to retire on. Lots of … Continued

🛍️Are you buying more to perk yourself up?💳You aren't alone. Since the start of COVID, there's been an increase in onlin...
03/08/2022

🛍️Are you buying more to perk yourself up?💳You aren't alone. Since the start of COVID, there's been an increase in online shopping. But, if you want to rein in your urge to splurge, here's how you can make a start.👍

We often talk about money in terms of dollars and cents, but the subject can sometimes run deeper than just numbers. Frivolous spending as a result of your emotional state is more common than you might think: one study found that more than 81 % of Australians spend in order to seek comfort, suggesti...

Your next life stage requires careful planning. Here are eight key things you should consider before entering retirement...
27/07/2022

Your next life stage requires careful planning. Here are eight key things you should consider before entering retirement. ⬇

Retirement is a period of life that many people spend years dreaming about: the chance to finally leave work behind and enjoy much-needed time with family and friends. While it’s natural to be excited about retirement, it’s worth getting all your ducks in a row before you say goodbye to work –...

Many people tend to think mistakenly that financial advice is just for the rich and famous. Nonetheless, financial advic...
21/07/2022

Many people tend to think mistakenly that financial advice is just for the rich and famous. Nonetheless, financial advice can improve and grow the wealth of people of all levels of financial health. According to FPA research in 2014, Australians who consult a financial planner feel happier, more positive about their financial wellbeing, and more optimistic about the future than those who don't. Here are some fundamentals you need to know.


If you could achieve your financial goals by simply putting money away in the bank, you wouldn’t need a financial plan. Unfortunately, life is a little more complex – it’s hard to understand the intricacies of investment, taxation, and ever-changing rules and regulations, so you need professio...

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Shop 11 146/150 Gordon Street
Port Macquarie, NSW
2444

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5am
Thursday 9am - 5pm
Friday 9am - 5pm

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