Shanley Financial Planning Warners Bay

30/03/2026

🍂 The Autumn edition of the Lake Mac Family Life magazine is here! 🍂

As proud Partners, Shanley Financial Planning is thrilled to be featured in this edition of this amazing community resource.

If you're looking for ways to keep the kids entertained over the April school holidays, this digital magazine is buzzing with ideas, including:

🐰 Easter Entertainment
🎨 School Holiday Events and Programs
🥾 Family Walks
🎪 Festivals and Shows
🏰 Inflatable Fun
🎁 Plus, over $3500 in giveaway prizes!

Check out the magazine and enter the giveaways here: https://lakemacfamilylife.com.au/magazine/

20/08/2025

When it comes to investing, sometimes the idea of “taking profits” makes sense — but it’s worth thinking about the bigger picture too.

👉 Imagine you own 1,000 shares in a company. Yesterday they were worth $1 each, today they’re worth $1.20. Your portfolio has grown from $1,000 to $1,200 — and you still hold the same 1,000 shares, all continuing to pay dividends 💵.

If you sell 200 shares just to lock in the gain, you now have fewer shares working for you. That can mean less income and less growth potential down the track.

Often, a sustainable approach is to let your portfolio keep working, drawing on dividends and distributions first, and only selling down gradually when it’s part of the long-term plan 🌱.

Everyone’s situation is different, but it’s a helpful way to look at how profits and income can interact over time.

04/08/2025

𝐍𝐞𝐰 𝐑𝐞𝐬𝐞𝐚𝐫𝐜𝐡 𝐒𝐡𝐨𝐰𝐬 𝐀𝐜𝐭𝐢𝐯𝐞 𝐒𝐮𝐩𝐞𝐫 𝐂𝐡𝐨𝐢𝐜𝐞𝐬 𝐂𝐚𝐧 𝐑𝐞𝐚𝐥𝐥𝐲 𝐀𝐝𝐝 𝐔𝐩
(1 min read)

A recent study of 17 super funds covering around 16 million accounts found something pretty striking:

📈 People who actively 𝐜𝐡𝐨𝐬𝐞 how their super was invested had much higher balances than those who stayed in the default MySuper option.

𝐇𝐞𝐫𝐞’𝐬 𝐰𝐡𝐚𝐭 𝐬𝐭𝐨𝐨𝐝 𝐨𝐮𝐭:
• 𝐁𝐲 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 – $313,000 (active choice) vs $110,000 (MySuper)
• 𝐀𝐠𝐞 𝟕𝟎–𝟕𝟒 – $329,981 vs $95,547 (344% difference)
• 𝐀𝐠𝐞 𝟓𝟎+ – $258,000 vs $144,000

The report, from super research firm Borromean Consulting, doesn’t claim that switching options alone causes higher returns – but it shows that engagement matters.

People who make active choices about their super tend to:
• Contribute more (e.g. salary sacrifice)
• Seek financial advice
• Review their investments
• Make better use of tax and retirement strategies

𝐓𝐡𝐞 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲? Getting involved in your super early can make a massive difference down the track.

If you’ve never looked at your investment mix or aren’t sure where to start – we’re here to help.

📞 Call us on 𝟎𝟐 𝟒𝟎𝟓𝟖 𝟑𝟎𝟓𝟎
📧 Email: 𝐰𝐚𝐫𝐧𝐞𝐫𝐬𝐛𝐚𝐲@𝐬𝐡𝐚𝐧𝐥𝐞𝐲𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥.𝐜𝐨𝐦.𝐚𝐮


𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐎𝐧𝐥𝐲 🙂
Source: Borromean Consulting – Investment Choice and Member Engagement Report, July 2025

18/07/2025

Team Lunch Celebrations 🎉

Yesterday we came together for a lovely lunch to farewell Narelle as she heads off on her next adventure — helping her husband in his business. Narelle, we’ll miss your presence and support!

We also managed to surprise both Chris and Luke with a birthday cake after lunch (Luke's on the 18th and Chris's on the 20th of July).

A great excuse to celebrate!

06/07/2025

Wrapped up the week with a bit of fun!

The Shanley team took on an Escape Room (we even made the podium! 🏆) last Friday and followed it up with a well-earned EOFY/New FY lunch 🍽️.

Great way to close out the week and kick off the new financial year – resetting, recharging, and celebrating together.

26/06/2025

School holidays are sorted!

We’re proud to partner with Lake Mac Family Life on their brand-new Winter digital magazine — and you’ll spot Shanley Financial Planning Warners Bay featured on page two.

Inside the mag you’ll find:
• Family adventure ideas around Lake Mac
• Loads of school holiday programmes, workshops and classes
• More than seventy winter events across July, August and September
• Seventeen giveaways with prizes worth over $2,500

Grab a cuppa, scroll through the mag, and start planning some fun:

The Lake Mac Family Life Magazine is all you'll need each season to explore our region and find out whats on in Lake Macquarie and beyond.

26/03/2025

Retirement is a significant chapter in life, offering the chance to enjoy the fruits of your hard work. But what does a comfortable retirement look like, and how can you prepare for it?

https://www.stevemayfinancialservices.com.au/planning-your-dream-retirement/

19/03/2025

As Australia steps into 2025, there's a careful sense of hope about the economy. Last year was tough, with slow growth and high prices, but things are looking up. Economic growth is forecast to improve, supported by easing interest rates, stabilising inflation, and rising household incomes.

https://www.stevemayfinancialservices.com.au/balancing-property-and-dividend-investing/

12/03/2025

The Reserve Bank of Australia (RBA) has made a significant move by cutting interest rates for the first time in over four years, reducing the cash rate from 4.35% to 4.10% in February 2025. This decision offers welcome relief to mortgage holders, and with the possibility of further rate cuts later this year, many are now considering how to make the most of this change.

https://www.stevemayfinancialservices.com.au/making-your-money-work-harder-after-the-rate-cut/

09/03/2025

05/03/2025

Teaching kids about money is one of the most valuable gifts you can give them, equipping them with essential skills for a financially responsible future. Here are some effective strategies to help your children develop a solid understanding of money management.

https://www.stevemayfinancialservices.com.au/teaching-kids-about-money/