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Insights and advice to help you plan with confidence

Unlocking flexibility: Term allocated pensions

If you’re a retiree with a Term Allocated Pension (TAP), you may have heard about recent changes that could give you more control over your retirement income. From December 2024, new rules allow you to fully commute (or exit) your TAP within a five-year window – a rare opportunity to restructure your finances and potentially improve your retirement outcomes.

Maria Anderson

Director | Financial Advisor

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November 10, 2025

Unlocking flexibility: Term allocated pensions

Maria Anderson

Director | Financial Advisor

October 1, 2025

Is there a death tax in Australia?

If you’re thinking about how your wealth will be passed on to loved ones, you might have heard the term “death tax.” While Australia doesn’t have a formal death or inheritance tax, there is a little-known tax that can apply to superannuation death benefits, especially when they’re paid to adult children or other non-dependent beneficiaries.

Blaine Miller

Director | Financial Advisor

September 11, 2025

Why staying invested beats trying to time the market

When markets get volatile, it’s tempting to try to outsmart them - jumping out during downturns and back in when things look better. However, history and data consistently show that time in the market is far more powerful than trying to time the market.

Blaine Miller

Director | Financial Advisor

September 7, 2025

The value of advice: more than just investments

What is the “value of an adviser” formula?

Jon Morrow

Director | Financial Advisor

August 21, 2025

Deeming rate increase: what retirees need to know

If you’re receiving the Age Pension or planning your retirement income strategy, a key change is coming this September that could affect your entitlements.

Jon Morrow

Director | Financial Advisor

August 7, 2025

Separation to security: financial steps for women after divorce

Divorce marks a major transition, not only emotionally but also financially. For many women, especially those who have taken time out of the workforce to raise children or support their partner’s career, the financial consequences of separation can be long-lasting. Understanding the financial aspects of divorce is essential for securing long-term independence and stability.

Maria Anderson

Director | Financial Advisor

June 18, 2025

Using a self-managed super fund to purchase direct property

For Australians looking to take control of their retirement savings, Self-Managed Super Funds (SMSFs) offer a flexible and powerful way to invest, including the opportunity to purchase direct assets like property.

Blaine Miller

Director | Financial Advisor

June 3, 2025

EOFY contributions – reduce tax and enhance your wealth

With EOFY quickly approaching, now is an important time to leverage tax-effective strategies and superannuation contribution opportunities.

Maria Anderson

Director | Financial Advisor

May 24, 2025

2024 EOFY tips to reduce tax and plan for Stage 3 Tax cut

As the end of the financial year approaches, people are usually pretty keen to find effective strategies to minimize their tax liabilities.

Blaine Miller

Director | Financial Advisor

April 30, 2025

Finding purpose in retirement: 5 ways to thrive after work

Retirement is a very exciting time for everyone. It is a long-awaited opportunity to rediscover passions, travel or spend more time with family.

Blaine Miller

Director | Financial Advisor

March 26, 2025

2025 Federal Budget: what it means for your finances

The 2025 Federal Budget has been unveiled, bringing a range of proposed measures aimed at easing cost-of-living pressures and supporting Australians in various aspects of their financial lives. These changes are still proposals and need to pass into law (unless stated otherwise).

Jon Morrow

Director | Financial Advisor

February 27, 2025

Withdrawal and recontribution strategy: saving tax for your estate

When it comes to managing your superannuation in Australia, there are strategies that can help you maximise your retirement savings while minimising tax obligations for you and your loved ones.

Maria Anderson

Director | Financial Advisor

January 7, 2025

Investing in the AI revolution: A portfolio perspective

Artificial intelligence (AI) is rapidly transforming industries and the way we live our lives.

Paul Hopgood

Investment Analyst

December 4, 2024

Key changes in 2025 all pre-retirees & retirees should know

As we move closer to 2025, there are some important updates that could have an impact on your retirement plans. Whether you’re getting ready to retire or already enjoying it, knowing about these changes can help you make smarter decisions. Here’s a straightforward breakdown of what’s coming and how it might affect you.

Jon Morrow

Director | Financial Advisor

October 25, 2024

Unlock Income from your home – Home Equity Access Scheme

The great Australian dream has always been to own your own home outright without the encumbrance of a loan and mortgage repayments.

Blaine Miller

Director | Financial Advisor

September 18, 2024

Residential aged care changes – what could they mean for me?

For most of the clients we speak to on Aged Care, the space can be a daunting and complex one to navigate on your own.

Maria Anderson

Director | Financial Advisor

July 16, 2024

The great debate: shares vs property – which investment wins?

Shares vs Property – the great debate that has often left investors divided. Both investment options have their pros and cons, making it difficult for investors to decide which is better for them.

Blaine Miller

Director | Financial Advisor

July 2, 2024

Understanding key changes for FY24-25 – Super contribution caps and beyond

The 2023/24 Financial year has come and gone, and a new year is upon us. This Financial Year 2024/25 brings with it a raft of changes, from Super contributions caps to tax cuts. This blog has been prepared to provide you with the key points, so you can be across the changes that may benefit you most.

Maria Anderson

Director | Financial Advisor

April 26, 2024

To pay or not to pay: The HECS/HELP debt dilemma

HECS/HELP Loans have been attracting quite a lot of attention in the media of late and we are getting a number of questions from our clients on the topic. It comes after a record indexation rate on the 1st of June 2023, which saw Australian’s HELP loans increase by 7.10%.

Maria Anderson

Director | Financial Advisor

March 25, 2024

Guide to downsizer contributions: maximising your nest egg

If you are considering selling your home and want to boost your retirement savings, this is the blog for you. Downsizer contributions are a valuable strategy that many people are not fully aware of, but one that can make a significant difference in the size of your nest egg.

Blaine Miller

Director | Financial Advisor

February 26, 2024

Maximise your wealth: understanding the increases to super contribution caps in 2024

Recent wage increases will lead to higher super contribution caps for the 2024–25 income year. The Australian Taxation Office (ATO) has announced that both the concessional and non-concessional contribution caps will be raised from 1 July 2024, following the release of the latest average weekly ordinary time earnings (AWOTE) figure.

Jon Morrow

Director | Financial Advisor

January 30, 2024

A guide to Government grants & schemes for First Home Buyers

Are you dreaming of owning your first home but feeling overwhelmed by the financial hurdles? Don’t worry, because help is at hand. In this comprehensive guide, we will unlock the door to your first home by exploring the various government schemes available for first-time buyers.

Maria Anderson

Director | Financial Advisor

November 20, 2023

Is financial independence, retire early (FIRE) worth doing?

Financial Independence, Retire Early (FIRE) is a radical savings strategy that is gathering a lot of attention from people around the world who are disillusioned by the 9-5 work life, wanting to retire as early as possible.

Blaine Miller

Director | Financial Advisor

October 9, 2023

SMSF do’s and don’ts: Essential advice for self-managed super fund owners

Are you a self-managed super fund (SMSF) owner looking for expert advice to navigate the complexities of managing your retirement savings? Or maybe you are considering how an SMSF might suit you. In this article, we will delve into the top SMSF dos and don’ts to help you make informed decisions and optimise your wealth accumulation.

Blaine Miller

Director | Financial Advisor

October 4, 2023

The true worth of financial advice: why it’s more valuable than you think

Do you ever find yourself wondering if financial advice is really worth the investment? In a world saturated with DIY investing options and robo-advisors, it’s easy to question the value of seeking professional help. However, unlocking the true worth of financial advice may be more valuable than you think.

Maria Anderson

Director | Financial Advisor

September 30, 2023

Unlocking the secrets to early retirement: Expert advice and strategies

Are you dreaming of leaving the daily grind behind and retiring early? You’re not alone. Early retirement has become an increasingly popular goal for individuals seeking financial independence and a chance to enjoy life on their own terms. But how can you actually achieve this dream? In this article, we will unlock the secrets to early retirement by providing expert advice and strategies that can help you make it a reality

Blaine Miller

Director | Financial Advisor

September 17, 2023

How much do I need to retire?

Whether you are planning on retiring in the short term, or you want to set some goals for yourself in 20-30 years, this blog is for you. The big question is, what’s your number?

Jon Morrow

Director | Financial Advisor

June 19, 2023

Gifting rules for age pension & aged care

Many retirees may want to help younger family members by gifting part of their savings. But if things go wrong in the future, the joy may turn to grief.

Maria Anderson

Director | Financial Advisor

June 18, 2023

Key changes to legislation for FY2023-24

The 2023/24 Financial year is now upon us, and it brings with it some new changes to Superannuation, account-based pensions and Government benefits. This is your 2023/24 Financial Year guide to legislation changes commencing 1 July 2023. As always, please don't hesitate to contact us to discuss how these changes may impact you.

Blaine Miller

Director | Financial Advisor

June 6, 2023

2023 guide to super contributions – How much can I contribute?

With the end of financial year looming, it is a great time to take stock of what contributions have been made to your super fund over the tax year and consider making additional voluntary contributions.

Blaine Miller

Director | Financial Advisor

May 22, 2023

Check the aged care fees you are paying

The daily fees you will be asked to pay for residential aged care are based on your financial situation. But more and more providers are charging a fee for additional services, with the ability to set their own fees – so check what you are paying for.

Maria Anderson

Director | Financial Advisor

May 10, 2023

2023 Federal budget summary

Treasurer Jim Chalmers bills his 2023 Federal Budget as an economic strategy to help ease cost-of-living pressures. To that end, he has delivered a modest but welcomed package of cuts to healthcare, housing and energy costs as well as boosts to welfare payments for single parents and the unemployed.

Blaine Miller

Director | Financial Advisor

May 5, 2023

Understanding self-managed super fund performance

When used in the right circumstances a self-managed super fund (SMSF) can provide important benefits for individuals looking for greater levels of investment flexibility and control over how their super savings are invested.

March 3, 2023

When you need to move from retirement villages

For many people, a retirement village may offer a great retirement living solution, especially when you start to find maintenance on a home more difficult or you want convenient social interactions. You might also be able to access some personal care and home help support.

Maria Anderson

Director | Financial Advisor

August 30, 2022

Should I be paying more off my HECS-HELP Debt

HECS-HELP debt is one of the better investments you can make in yourself and your future career. For this reason, there is often little thought put into how much you are accumulating and how you are going to pay it back. Tertiary education hasn’t been free since the Gough Whitlam era over 30 years ago, and the Higher Education Contribution Scheme was introduced shortly after Whitlam was dismissed from office.

Blaine Miller

Director | Financial Advisor

July 8, 2022

July 2022 Super contribution changes

Several key super changes which may impact your ability to contribute to your SMSF, are set to take effect from 1 July 2022.

Jon Morrow

Director | Financial Advisor

February 17, 2022

Back to business 2022

This past Tuesday the 8th of February we held our annual Back to business day.

Jon Morrow

Director | Financial Advisor

September 17, 2021

RADS simplified in 4 points

One of the first things you come across when moving into residential care is the need to pay for your room.

Maria Anderson

Director | Financial Advisor

August 23, 2021

How does transition to retirement work? – Is it right for me?

Transition to Retirement is a Super and income strategy that’s been around for 15+ years and is still somewhat misunderstood.

Jon Morrow

Director | Financial Advisor

July 22, 2021

Financial tips to help you win this financial year.

As I write this blog, weeks after State of Origin II where my QLD Maroons were dominated by the NSW Blues, I’m notified that Brisbane is heading into a three day COVID-19 lockdown.

Blaine Miller

Director | Financial Advisor

June 17, 2021

P3 Financial Planning budget overview

Please note, not yet passed, we will await updates on Royal consent and note that particulars & specifics contained here may possibly be subject to change.

Maria Anderson

Director | Financial Advisor

April 28, 2021

P3FP 2021 annual conference update

Last week our Team was fortunate enough to hold our P3 Financial Planning Annual Conference for the first time since 2019.

Jon Morrow

Director | Financial Advisor

April 15, 2021

How much insurance do I need?

This is the question you are probably asking yourself if you have recently made some big life changes, like buying a home or starting a family. Some refer to these things as ‘adulting’.

Blaine Miller

Director | Financial Advisor

March 29, 2021

The financial advisor elevator pitch

In my profession, it’s often hard to have the elevator chat with people when they ask: “What do you do?”

Jon Morrow

Director | Financial Advisor

March 29, 2021

What should I do when JobKeeper payments end?

JobKeeper ends soon, and this is likely to cause much stress to greater than 100,000 people. Here’s some more details on the changing environment.

Maria Anderson

Director | Financial Advisor

August 14, 2020

July 2020 client update

Welcome to what should be an eye-opening new Financial year. We trust that everyone is staying safe as our economy try to enter a new normal.

Jon Morrow

Director | Financial Advisor

March 30, 2020

Some positive news from our Fund Manager colleagues

We at P3 Financial Planning wanted to touch base with you at this time to provide you some information and data that we have been gathering from our fund managers.

Maria Anderson

Director | Financial Advisor

March 12, 2020

P3FP market update March 2020

We began 2020 thinking a share market correction was likely in the short term, but couldn’t think of a catalyst.

Jon Morrow

Director | Financial Advisor

May 10, 2017

2017 Federal budget analysis

Read our full budget analysis for 2017, from first home savers to increase in the Medicare levy.

Jon Morrow

Director | Financial Advisor

January 22, 2015

Fraud awareness

Fraud awareness in the 21st century is a very different issue to what it once was as we increasingly live online.

Jon Morrow

Director | Financial Advisor

November 21, 2014

Welcome

With the launch of our own licence comes the launch of our new website!