---
title: Lantern Advisory | James Cavanough (5)
description: James is a qualified and highly experienced financial planner who has spent the last 15 years dedicated to creating and protecting wealth for business owners, individuals and private families across Australia. (5)
---
- [**linkedin](https://www.linkedin.com/company/lantern-advisory/)
- ** Level 3, 345 Ann Street, Brisbane QLD 4000
- ** [(07) 3002 2690 ](tel:(07)%203002%202690)
- ** [info@lanternadvisory.com.au](mailto:info@lanternadvisory.com.au)
# INSIGHTS
## PLANNING | WEALTH | INSURANCE
## James Cavanough
James is a qualified and highly experienced financial planner who has spent the last 15 years dedicated to creating and protecting wealth for business owners, individuals and private families across Australia.
Find me on:
### Recent Posts
## [investing is more than owning a home and super](https://blog.lanternadvisory.com.au/investing-is-more-than-owning-a-home-and-super)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 13-Mar-2017 10:00:00
[ ](https://blog.lanternadvisory.com.au/investing-is-more-than-owning-a-home-and-super)
For many Australians, their wealth journey consists of owning a family home and accumulating superannuation. But many would be interested to know there are other wealth generating strategies available.
[Read More](https://blog.lanternadvisory.com.au/investing-is-more-than-owning-a-home-and-super)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/investing-is-more-than-owning-a-home-and-super#comments-listing)
Topics: [superannuation](https://blog.lanternadvisory.com.au/topic/superannuation), [investing outside of superannuation](https://blog.lanternadvisory.com.au/topic/investing-outside-of-superannuation)
## [Creating a successful budget for 2017](https://blog.lanternadvisory.com.au/creating-a-successful-budget-for-2017)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 23-Nov-2016 14:30:01
[ ](https://blog.lanternadvisory.com.au/creating-a-successful-budget-for-2017)
In my experience as a financial planner, around 10% of Australians prepare and stick to a personal household budget. However, budgeting is the first step in establishing a good financial plan and achieving your financial goals.
I know it’s hard to do, especially when unforeseen expenses occur like blown air-conditioners in summer, car registration, insurance and Christmas gifts crop up; but in the current climate of lower investment returns and a slowing domestic economy, we should all be reigning in our spending habits.
[Read More](https://blog.lanternadvisory.com.au/creating-a-successful-budget-for-2017)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/creating-a-successful-budget-for-2017#comments-listing)
Topics: [budget](https://blog.lanternadvisory.com.au/topic/budget), [household budget](https://blog.lanternadvisory.com.au/topic/household-budget), [saving in 2017](https://blog.lanternadvisory.com.au/topic/saving-in-2017)
## [How do you fund the christmas dream?](https://blog.lanternadvisory.com.au/how-do-you-fund-the-christmas-dream)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 20-Oct-2016 12:23:24
[ ](https://blog.lanternadvisory.com.au/how-do-you-fund-the-christmas-dream)
With holidays fast approaching for most and Christmas on the horizon, have you stopped to think how you will fund your additional expenses during December and January?
[Read More](https://blog.lanternadvisory.com.au/how-do-you-fund-the-christmas-dream)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/how-do-you-fund-the-christmas-dream#comments-listing)
Topics: [savings](https://blog.lanternadvisory.com.au/topic/savings), [holiday savings](https://blog.lanternadvisory.com.au/topic/holiday-savings), [christmas savings](https://blog.lanternadvisory.com.au/topic/christmas-savings)
## [September Earnings Investment Review](https://blog.lanternadvisory.com.au/september-earnings-investment-review)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 14-Sep-2016 15:44:51
[ ](https://blog.lanternadvisory.com.au/september-earnings-investment-review)
During August (which is when Australian companies report their profit earnings), the results have revealed, on average, solid health and this has helped support the local economy.
[Read More](https://blog.lanternadvisory.com.au/september-earnings-investment-review)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/september-earnings-investment-review#comments-listing)
Topics: [earnings investment review](https://blog.lanternadvisory.com.au/topic/earnings-investment-review), [financial planning](https://blog.lanternadvisory.com.au/topic/financial-planning)
## [Lantern Advisory featured in professional planner magazine](https://blog.lanternadvisory.com.au/lantern-advisory-featured-in-professional-planner-magazine)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 09-Aug-2016 11:11:17
[ ](https://blog.lanternadvisory.com.au/lantern-advisory-featured-in-professional-planner-magazine)
We are delighted to have our business and planners profiled in Professional Planner Magazine.
[Read More](https://blog.lanternadvisory.com.au/lantern-advisory-featured-in-professional-planner-magazine)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/lantern-advisory-featured-in-professional-planner-magazine#comments-listing)
Topics: [financial plan](https://blog.lanternadvisory.com.au/topic/financial-plan), [professional planner magazine](https://blog.lanternadvisory.com.au/topic/professional-planner-magazine)
## [May Budget Changes for Aged Care](https://blog.lanternadvisory.com.au/may-budget-changes-for-aged-care)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 25-Jul-2016 16:22:08
[ ](https://blog.lanternadvisory.com.au/may-budget-changes-for-aged-care)
In the Budget released in May, there were a few lesser known changes that apply to aged care. In particular, the government has proposed to save $1.2 billion over the next four years through changes in the Aged Care Funding Instrument (ACFI).
[Read More](https://blog.lanternadvisory.com.au/may-budget-changes-for-aged-care)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/may-budget-changes-for-aged-care#comments-listing)
Topics: [investment planning](https://blog.lanternadvisory.com.au/topic/investment-planning), [aged care](https://blog.lanternadvisory.com.au/topic/aged-care)
## [Take care when considering industry superannuation fund insurance](https://blog.lanternadvisory.com.au/lantern-advisory-risks-of-superannuation-fund-insurance)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 30-Mar-2016 09:00:00
[) ](https://blog.lanternadvisory.com.au/lantern-advisory-risks-of-superannuation-fund-insurance)
**Risks of superannuation fund policies**
Unfortunately for consumers, industry superannuation funds do not specialise in insurance and do not always provide a dependable or compelling insurance solution. Insurance is often a convenient add-on for large superannuation firms, but this can cause risks - policy holders may not receive the proceeds from a claim or the amount is less than expected or wanted.
[Read More](https://blog.lanternadvisory.com.au/lantern-advisory-risks-of-superannuation-fund-insurance)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/lantern-advisory-risks-of-superannuation-fund-insurance#comments-listing)
Topics: [insurance](https://blog.lanternadvisory.com.au/topic/insurance), [financial plan](https://blog.lanternadvisory.com.au/topic/financial-plan), [superannuation](https://blog.lanternadvisory.com.au/topic/superannuation)
## [Ownership of insurance](https://blog.lanternadvisory.com.au/lantern-advisory-ownership-of-insurance-and-supperannuation)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 23-Mar-2016 09:00:00
[) ](https://blog.lanternadvisory.com.au/lantern-advisory-ownership-of-insurance-and-supperannuation)
**Different ways to own your insurance premiums**
Did you know that life, TPD and income protection policies can be owned personally or thorugh a superannuation fund? And that trauma insurance can be owned personally?
[Read More](https://blog.lanternadvisory.com.au/lantern-advisory-ownership-of-insurance-and-supperannuation)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/lantern-advisory-ownership-of-insurance-and-supperannuation#comments-listing)
Topics: [insurance](https://blog.lanternadvisory.com.au/topic/insurance), [financial plan](https://blog.lanternadvisory.com.au/topic/financial-plan), [superannuation](https://blog.lanternadvisory.com.au/topic/superannuation), [taxation](https://blog.lanternadvisory.com.au/topic/taxation)
## [The benefits of financial advice](https://blog.lanternadvisory.com.au/the-benefits-of-financial-advice-from-lantern-advisory-financial-planners)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 21-Mar-2016 09:00:00
[ ](https://blog.lanternadvisory.com.au/the-benefits-of-financial-advice-from-lantern-advisory-financial-planners)
**How do you know whether to invest into a trust or superannuation? Is it better to pay off some loans or invest that inheritance? How will you ensure you have enough when you retire? Will your assets be protected if you die?**
[Read More](https://blog.lanternadvisory.com.au/the-benefits-of-financial-advice-from-lantern-advisory-financial-planners)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/the-benefits-of-financial-advice-from-lantern-advisory-financial-planners#comments-listing)
Topics: [financial plan](https://blog.lanternadvisory.com.au/topic/financial-plan)
## [Insurance premiums and taxation](https://blog.lanternadvisory.com.au/lantern-advisory-insurance-premiums-and-taxation)
Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 16-Mar-2016 09:00:00
[) ](https://blog.lanternadvisory.com.au/lantern-advisory-insurance-premiums-and-taxation)
**Insurance premiums**
The following information explains the different options when it comes to insurance premiums and how premiums are taxed.
[Read More](https://blog.lanternadvisory.com.au/lantern-advisory-insurance-premiums-and-taxation)
0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/lantern-advisory-insurance-premiums-and-taxation#comments-listing)
Topics: [insurance](https://blog.lanternadvisory.com.au/topic/insurance), [financial plan](https://blog.lanternadvisory.com.au/topic/financial-plan), [taxation](https://blog.lanternadvisory.com.au/topic/taxation)
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[see all](https://blog.lanternadvisory.com.au/author/james-cavanough/page/5#)
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