P3 Financial Planning

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P3 Financial Planning P3FP are passionate about educating our clients to empower them to make informed decisions over thei

Client success is at the heart of everything we do. We're grateful for the trust our clients place in us and proud to he...
06/10/2026

Client success is at the heart of everything we do. We're grateful for the trust our clients place in us and proud to help them navigate their financial journey with confidence. Thank you for your kind words and support.

The Age Pension went up on 20 September, by $36.80 a fortnight for singles and $55.60 for couples.But many retirees won'...
29/09/2026

The Age Pension went up on 20 September, by $36.80 a fortnight for singles and $55.60 for couples.
But many retirees won't see the full amount. 👇
On the same day, Centrelink's deeming rates also rose (to 1.75% and 3.75%). Deeming is the income Centrelink assumes your savings earn, whatever your bank actually pays.
In one of our worked examples, a Kenmore couple's pension rose by about $12 a fortnight, not $55.60.
We've explained how it works in plain English, with two real-number examples, on our blog:
🔗 https://www.p3fp.com.au/blog
If a parent or friend has been wondering why their payment didn't go up as much as expected, this might help. Feel free to share.
General information only, not personal advice.

✈️ Are you aged 50–60? Welcome to the most critical financial decade of your life: The 10-Year Retirement Runway.Your ea...
19/06/2026

✈️ Are you aged 50–60? Welcome to the most critical financial decade of your life: The 10-Year Retirement Runway.

Your earning power is at its peak, your major lifestyle expenses are settling, and every single strategic choice you make right now will dramatically reshape your tomorrow.

To kick off the new financial year, we are officially launching a multi-part series designed specifically to help you optimize the final stretch to financial freedom.

First stop on the runway? Superannuation.
In Part 1 of the series, we dive deep into:

📢 The Big Cap Increase: The annual concessional cap has officially jumped to $32,500. Are your salary sacrifice payments adjusted?

🛠️ "Hidden" Tax Deductions: A 5-minute step-by-step guide to uncovering your exact catch-up cap numbers directly on myGov.

🏢 Taking Total Control: How to determine if your balance has reached the cost-effective threshold to start an SMSF for direct property investments.

⚠️ Important: Some of your unused tax deductions operate on a strict "use it or lose it" rolling 5-year window. If you don’t strategically deploy them this financial year, they disappear permanently.

Don’t leave your peak earning years on autopilot. Head to the link below to read Part 1: Supercharging Your Super. 📲

👉 https://www.p3fp.com.au/blog/10-year-retirement-runway-super

The Reserve Bank of Australia has lifted the official cash rate by 25 basis points to 4.35%—the highest level we've seen...
05/05/2026

The Reserve Bank of Australia has lifted the official cash rate by 25 basis points to 4.35%—the highest level we've seen since late 2023. 📈

Why the move?

The RBA is fighting a "sticky" inflation problem. Despite efforts to cool the economy, recent data shows headline inflation sitting at 4.6%, still well above the 2–3% target range.

The Key Drivers:

• Persistent Inflation: Domestic price pressures aren't cooling as fast as hoped.

• Resilient Jobs Market: With unemployment at 4.3%, the labor market is strong enough to weather further tightening.

• Global Energy Shocks: Geopolitical tensions in the Middle East are driving up oil prices, threatening to push transport and input costs even higher.

What’s next?

Economists suggest the RBA is "front-loading" these hikes to stop inflation expectations from spiraling. With energy prices expected to rise again in the June quarter, the door remains open for further tightening later this year.

Is your generosity putting your retirement at risk? Raising the "Bank of Mum and Dad" is now one of Australia's biggest ...
28/04/2026

Is your generosity putting your retirement at risk?

Raising the "Bank of Mum and Dad" is now one of Australia's biggest lenders, but many parents are asset-rich and cash-flow concerned.
In our new blog, we dive into:

✅ The pros and cons of cash gifts vs. formal loans.
✅ Understanding Centrelink’s gifting rules.
✅ How guarantor loans can help your kids without depleting your super.

The best gift you can give your children is your own financial independence. Read the full guide here: https://www.p3fp.com.au/blog/bank-of-mum-and-dad-gifting-without-hurting-retirement

The price of a "comfortable" retirement just went up. 📈New data shows couples now need $730,000 for a comfortable lifest...
26/02/2026

The price of a "comfortable" retirement just went up. 📈

New data shows couples now need $730,000 for a comfortable lifestyle. With inflation hitting essentials like power and travel, your strategy needs to be more than just "set and forget."

We’re sharing how we help clients navigate:
🔹 Rising deeming rates in 2026.
🔹 Maximizing Centrelink entitlements.
🔹 The "Bucket Strategy" for consistent income.

👉 Read the blog here: https://www.p3fp.com.au/blog/retiring-cost-of-living-crisis-2026-strategy

If you’ve looked at your tech holdings lately, you might have noticed some red. While the broader market is climbing, so...
18/02/2026

If you’ve looked at your tech holdings lately, you might have noticed some red. While the broader market is climbing, software companies are facing a unique set of challenges.

We’ve just released a new deep dive into:
1️⃣ Agentic AI: The new tech that’s making investors rethink “per-seat” pricing.
2️⃣ Inflation: How higher interest rates are shrinking tech valuations.
3️⃣ Resilience: Why “essential” software with high switching costs is still a long-term play.
Check out our latest update to see how we’re navigating the volatility and where we see the “digital moats” of the future.

🔗 https://www.p3fp.com.au/blog/asx-tech-selloff-2026-saaspocalypse-agentic-ai

AI

The Reserve Bank of Australia has just increased the official cash rate by 25 basis points to 3.85%.Why now?Despite a dr...
03/02/2026

The Reserve Bank of Australia has just increased the official cash rate by 25 basis points to 3.85%.

Why now?

Despite a drop from the 2022 peak, inflation “picked up materially” at the end of last year. Essentially, we are still spending more than the economy can keep up with, and the jobs market remains very strong.

What’s the outlook?

• 🏠 Housing: Prices and activity continue to rise.
• 🛍️ Spending: Household demand is stronger than the RBA expected.
• ⏳ The Wait: Inflation isn’t expected to hit that “sweet spot” (2-3%) until June 2027.

Governor Michele Bullock says the board will be “attentive” to the data, meaning they’re prepared to do whatever it takes to get prices under control.

How are you feeling about the news? Are you tightening the belt or is it business as usual? Let’s chat in the comments! 👇

Mortgage

P3FP are proud to be a major sponsor, and support a cause close to our hearts, in today’s Workout for Mens Mental Health...
13/12/2025

P3FP are proud to be a major sponsor, and support a cause close to our hearts, in today’s Workout for Mens Mental Health. Bella and Blaine will be taking part in an epic workout, run by which will take them 6 hours to complete! We’re so proud of them! Come along for the journey!

Address

Level 4 31 Sherwood Road
Toowong, QLD
4066

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+61733789681

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