Creating confident retirement living

Whether in your home, a retirement village or aged care, we create retirement solutions so you thrive.

Worried about retirement?

Despite the news headlines, a comfortable retirement does not require one million dollars in the bank*. We can show you how!

We include aged care as part of our services from the outset, taking the confusion out of the process and explaining everything in simple, easy-to-understand language. We guide clients through all three phases of retirement, including Centrelink and Aged Care, so you don't have to rely on 'Doctor Google'. You can rely on us.

* Association of Superannuation Funds of Australia Retirement Standard

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Live your retirement with complete confidence

You've earned the right to enjoy every phase of retirement.

After decades of hard work, you deserve a retirement that's everything you've dreamed of, and more.

At Phase 3 Retirement Solutions, we understand that retirement isn't just one long phase. It's a journey with distinct stages, each with it's own joys, challenges and financial requirements.

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The Phase 3 Difference: Planning for your entire retirement journey

Most financial planners focus on getting you to retirement. We focus on helping you thrive through every phase of retirement. Our unique three phase approach ensures you're prepared for the journey ahead, not just the destination.

Your 3 Phases of Retirement

Phase 1 (Ages 60-75)

Phase 2 (Ages 75+)

Phase 3

Celebrate + Splurge

This is your time to enjoy the freedom you've earned.

You've worked hard - now it's time to celebrate! Whether it's that new car, home renovations, downsizing to your dream location, or exploring the world, Phase 1 is about enjoying the active retirement you've always imagined.

How we help: We plan ahead to ensure your Phase 1 dreams become reality, including structuring your finances to fund your adventures.

Relax + Enjoy

Settle into a comfortable lifestyle with financial peace of mind.

Phase 2 often brings a shift toward local travel around beautiful Australia, spending time with family and enjoying the comfort of a well-planned retirement. This phase is about maintaining your lifestyle with confidence.

How we help: Our retirement plans ensure you have the financial security to fully embrace Phase 2 and support your relaxed lifestyle.

Health + Care

Navigate this important transition with dignity and preparedness.

Phase 3 may involve slowing down, managing health changes, or considering retirement villages, home care, or aged care. This phase is often overlooked in planning, yet it's when you and your family need the most support.

How we help: Planning for Phase 3 removed the uncertainty and stress for both you and your family. Understanding your options in advance means better decisions and preserved wealth when the time comes.

0414 347 287

Why our clients choose us

You want someone who genuinely cares

We are passionate about helping Australians achieve financial confidence in retirement. This isn't just my profession, it's my calling. Having helped my mother through this journey, I not only talk the talk, I have walked the walk.

You need experience you can trust

With demonstrated expertise in retirement planning, Centrelink entitlements and Aged Care strategies, we provide the knowledge and care needed to secure your future.

You're looking for clarity, not confusion

We transform complexity into confidence. You'll leave our meetings with proven strategies and a clear understanding of your Centrelink entitlements and Aged Care options.

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We help with services that support your retirement

Aged Care

Make informed decisions with expert guidance.

Centrelink

Unlock and manage the government benefits you're eligible for.

Estate planning

Safeguard your assets and help make sure your wishes are carried out.

Pre-retirement and retirement planning

Plan ahead so you can step into retirement with clarity and confidence.

Superannuation strategy

Review and manage your super to help support your long-term security.

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Our clients matter

Hear how we've helped our clients feel confident during all phases of retirement.

Mary, 65+ years

Camp Hill, QLD

“Sadly, we had the unfortunate decision to make regarding our Sister’s future. An Aged Care facility was the only option we had. What do we do? Where do we start? We were blessed when someone recommended Peter Donovan to us. Without his help, advice and guidance, I don’t know where we would be today. We are so grateful to Peter for everything he achieved for us – nothing seemed to be a problem to him. BIG THANK YOU, PETER.”

Ian, 65+ years

Wellington Point, QLD

“Peter is a very good communicator and helped me greatly with my aged care and helped with the financial side of my wife’s entering an aged care home. The paperwork involved for my aged care and the financial side is overwhelming to a first time person and he handled it quickly and thoroughly. He is in constant touch throughout the process. Thank you Peter for helping me on the journey. All the very best.”

Cathryn, 56 – 65 years

Sunnybank, QLD

“Peter’s knowledge and experience with financial advice for moving into aged care is of the highest standard. Peter provided a detailed financial plan, support and advice that made the financial decisions so much easier and stress-free. Peter supported my family with the whole financial process. Entry into aged care is a complex process, but Peter takes time to explain the options so you feel confident to make the right decision.”

Shayne, 56 – 65 years

Eight Mile Plains, QLD

“Peter is very experienced,

Walked us through options and recommendations that met our fact find details in an easy to understand language.

Very reliable and follows up everything.”

Explore more client reviews

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Are you ready to secure your complete retirement journey?

Don't settle for generic, off-the-shelf solutions. Your retirement deserves a personalised approach that considers all three phases of your journey.

Contact Peter today to discuss a tailored solution that meets your unique needs and gives you confidence in every phase of retirement.

0414 347 287

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