Kondilis Lucas Financial Planning

17/06/2026

Money cycles through its stages.
Just like the seasons , markets rise and fall and companies lose and gain value.

15/06/2026

When KLFP was created, The directors wanted a well-structured financial planning practice that operated in two layers:

The overarching Principle of Advice Layer and the Implementation Layer.

1. The organising principle is what everything revolves around. This is the “why” and “what matters most” level—things like the client’s goals, cashflow needs, retirement timing, tax position, debt strategy, estate intentions, and lifestyle decisions.
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2. The implementation layer is how those decisions are actioned.
The choice of Investments sit here, along with platform selection, portfolio construction, rebalancing, and Insurance product selection.

Our process starts with the clients life framework first, then we place investments inside it as tools, not as the centrepiece.

That is how how long-term stewards of capital operate.

15/06/2026

Financial Planners may market themselves as everything to everyone. Retirement Specialist, Insurance and Wealth advisers etc.
They are trying to add value and may be tempted to list as many planning value-adds as they possibly can to reach the broadest possible base of potential clients.
The adviser themselves will spend a significant time managing the variability of the planning needs of their diverse client base.
A client focused approach, I have come to focus on is to look at the planning needs of a specific target client, which not only increases the efficiency of the planning process, but can also facilitate marketing efforts as prospects who fit the target profile will be most attracted by the depth of the service.
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Buying and Paying off the family home and creating assets around that to meet living costs now and into retirement grounds the client into thinking about the core ideas of their life.
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Not some wishy washy, wealth creation strategy that can occur if your save into an ongoing investment plan and add a bit here and there into your super.
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It involves getting serious of taking on a loan to get into property and start to use your surplus savings if any / equity to pay it off and start to think about surpluses when they arise in the household. See less

15/06/2026

Financial planning involves a simple plan on how to pay for your personal cost to live.
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This becomes difficult when you stop working for an income.
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Your savings and assets need to produce enough drawings / income to meet your cost to live.
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Simply having over $1million in superannuation may not be enough. From this $1million you will need to pay off any debts you have and then allow for say $80,000 per year in living costs plus withdrawals such as cars and holidays etc.
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This capital wont last more than 10 years.
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Financial Planning is not here to say that is wrong or right. We are here to say well that is life and we need to plan around that reality happening.
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If that capital lasts 10 years well, advise can be on age pension application , downsizing, sustainable increasing the rate of return, or planning to work longer in a different capacity.
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Planning allows us to adjust and just managing your superannuation or investment returns will not save you from Never Running out of Money and Meeting your cost to live.

12/06/2026

End of Financial Year Super Contribution Rules.
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Personal Deductible Contributions

For the 2025-26 financial year, the concessional contribution cap is $30,000. This includes employer contributions, salary sacrifice contributions and any personal contributions claimed as a tax deduction.

In addition, if your 1 July 2025 total super balance is below $500,000 you may be eligible to claim unused cap amounts from the previous 5 years.
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Spouse Contributions

If you your spouse's income is $37,000 or less, a $3000 contribution to his or her super may entitle you to a tax offset of up to $540. That $540 will come back to you via a refund.
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Government Co-Contributions

For the 2025-26 financial year, individuals with a total income of $47,488 or less may be eligible to receive the maximum Government co-contribution of $500 by making an after-tax contribution of $1,000 to super. The Government effectively contributes 50 cents for every dollar contributed, up to the $500 maximum.

That is an immediate return of up to 50% on the first $1,000.
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Act Before 30 June

If you are considering making a super contribution before 30 June please look closer at your own funds cut off dates.

08/06/2026

Real Estate is the foundation to a Financial Plan. Its ground the advice in reality and it cuts through the white noise of the world.

02/06/2026

01/06/2026

01/06/2026

Project backed Financial Planning.
Our process is simple but effective;
1. Initial meeting
2. Fact finding discovery
3. Strategy and Plan meeting
4. Statement of advice scope prepared
5. Application
6. Review and prepare

30/05/2026

Bringing Australia’s leading advice Innovation to our clients in CQ is always top of mind at .
We believe in investing in allowing staff and clients to be at the forefront of Financial Planning Advice. Giovanna , our contract admin enjoying the day out in the innovation day in Sydney.