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

MacGregor, QLD

“Peter has always given me sound advice and let’s me choose what to do with my investments. He explains everything clearly so I can understand my choices. He advises me what I can do but doesn’t push me. I have great faith in him and trust his advice. He researches thoroughly and knows what he is talking about.”

Michael, 56 – 65 years

Banyo, QLD

“My mothers aged care was complex. Peter’s advice gave us options that were well explained so we could make the correct decision for our mother. He was very honest and gave us alternatives to allow us able to decide for ourselves. He didn’t put us under any pressure to accept his financial products. We were very grateful of his extra efforts when timelines to get things done was drawing closer and his willingness to have all the administration correct before submission. I would recommend Peters company to others and will consider it myself when retirement comes.”

Mary, 65+ years

MacGregor, QLD

“I have known Peter for a number of years and I value his advice. I have found him to be very honest and clear about my financial situation and how to get the best for my assets. He explains things so I have a clear understanding of my finances. He takes time to be sure you understand the situation. I would have no qualms about recommending him to my friends.”

Charles, 56 – 65 years

New Farm, QLD

“Thanks Peter for your guidance and implementation of a plan for our Mother’s financial affairs as she transitioned to aged care. It all now feels sound and manageable. I do believe you have provided the best outcome for her and for us as her PoAs. And thanks for the ongoing review of the Age Care facilities invoices… that is a great help.”

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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

Our blog posts

What LGBTQ+ couples need to know about financial planning in Australia

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Marriage equality gave LGBTQ+ couples equal legal status in Australia, but equal legal rights don’t automatically mean equal financial protection, and ensuring the right paperwork is in place around superannuation, estate planning, and powers of attorney is more important than ever.

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Why dividend growth beats high yield for long-term passive income

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Choosing the right dividend strategy can mean the difference between passive income that grows with inflation and one that quietly loses purchasing power over time.

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How to overcome financial FOMO and make smarter money decisions

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Financial FOMO is a new kind of money anxiety driven by social media, and with nearly half of Australians saying it has influenced their spending, knowing how to stay focused on your own goals matters more than ever.

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