Superannuation & Retirement Planning

Get expert Transition to Retirement strategies, reduce tax, and build wealth more rapidly. Maximise Centrelink benefits to preserve capital longer.

Superannuation & Retirement Planning

Get expert Transition to Retirement strategies, reduce tax, and build wealth more rapidly. Maximise Centrelink benefits to preserve capital longer.

Do you know how much capital you need to retire on?

Get Superannuation and Pension strategies to utilise at different ages, and stages of life.

Do you have a timeframe and a capital target that you are working towards? Do you know the proper superannuation strategies and pensions to utilise at different ages, and stages of life?

If you haven’t given these any consideration, then what are you waiting for?

We have extensive experience with Transition to Retirement strategies, and structures that have assisted clients to save tax, and build wealth more rapidly.

We have worked with Centrelink over the years to gain a greater understanding of their processes, rules, and assessment guidelines, and have assisted many people to maximise Centrelink benefits and in doing so, preserve capital longer.

How do we help?

A Tailored plan to give you peace of mind in retirement

  1. Review of your current situation – Where are things now and what are your retirement goals? What kind of lifestyle do you want in retirement?
  2.  Finding your number – we will be your guides in formulating the level of income you might need in retirement and answer questions like, ‘do I have enough savings to retire?’ and ‘will my money outlast me?’
  3. Strategies to maximise retirement savings – Develop strategies with you around maximising superannuation and investments, reducing tax and simplifying your situation leading up to retirement. 
  4.  Strategies to preserve capital – We will explain how we manage our clients’ money in retirement by implementing a three bucket strategy to preserve capital while paying the income you need for your desired lifestyle.
  5. Testing eligibility for Centrelink benefits – We will determine whether you will qualify for the Centrelink Age Pension now or in the future. We are experts in the space, implementing strategies to maximise your benefits so that you retirement capital lasts longer.
  6. Modelling and Projections – Using our in-depth technical knowledge to give you peace of mind. We can model multiple scenarios around your retirement cashflow and capital and show you in simple terms how it looks in 1,5,10,20+ years’ time. 
  7. Ongoing reviews and assistance – As a valued client, you will receive at least one face to face review per year and access to the P3 team year-round for administrative and advice needs.
Want to book a free initial consultation with one of our expert advisers? You can follow the link below on this page.

We've helped hundreds of Australians achieve financial success.

Robert Trewin; Aged 74
"Have been a P3 Financial Planning client for over ten years and would recommend their service's to any one looking to set up a well managed fund for retirement. The staff listen to your requirements and provided you with options to achieve your set short and long term goals."
Raymond and Marie Kinne
“We've been clients of Jim Penner for 20 plus years, and have been incredibly looked after over that entire time. We know we can get Jim and his team whenever we need them. With our retirement plans, the outcomes we have had have always exceeded our expectations. There has been many occasions where we've travelled with other friends and they've been constantly stressed about money the entire trip. Our experience has been the exact opposite. We have enjoyed the peace of mind that P3 has given us.”
Michael and Rebecca Hall; Aged 40, and 38
"Jon, once again thank you so much for your assistance, my wife and I feel incredibly relieved and so much better knowing we are on track for a reasonable retirement and taking care of our girls, well done!"
Denise; Aged 79
"Have been with Jim Penner from 2003 when he first started the business. We have been very happy and the company has proven to be very professional and personalised."
Matthew Harm
"Bella was fantastic. Information requested was quick and painless."
Shannon; Aged 35-45
“Blaine has given me advice in areas including Loan Products, Self Managed Super Funds, and Managing Debt. Blaine was always able to explain things to me in a clear way. Through Blaine’s knowledge and experience, I feel very confident that the advice given was right for my needs. I always received Blaine’s full care and attention when I needed it.”
Deborah; Aged 56-65
“Maria has given me advice and assistance with my Superannuation, complex Pension issues, Share advice and also Aged Care advice for a Cousin in my care. Maria has always been able to answer my questions in terms I can understand and to seek to clarify any other matters which may arise. She has always provided caring attention to my specific situation and I would not hesitate to recommend her to family and friends, totally confident in her abilities and caring nature.”
Terence; Aged 65+
“Maria has given me advice regarding the appropriateness of my investments. I rely on her advice to ensure that I will get the optimum pension from my pension fund. She also ensures that I have enough liquidity in my fund to pay expenses and my monthly pension. I appreciate that she has arranged my investments so I am safe as possible for my age.”
“The team at P3FP are highly professional, personable and skilled. The advice they offer is both practical and valuable for clients across all age groups and income levels. P3FP is a locally owned and operated business who puts their clients first.”
Andy Fechner
“Jim has always had our best interests foremost, has listened to our concerns and formed a personal relationship with us. Great to have seen the development of P3Financial Planning from the very start. Very dependable, fulfils his promises.”
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Get expert Transition to Retirement strategies, advice to reduce tax, and help to build wealth more rapidly.