The Primetime program is broken down into its components and, in some cases, sub components.  Each of the components and sub components can be addressed separately and as the need arises

We address five distinct and separate areas of:

Each of the components of the Primetime Plan is explained in more detail below.


This is the part of the process where the Primetime planning paints a picture of what ideal retirement life would look like going forward. It also recognises the need to plan accommodation options as this is a major lifestyle aspect with significant financial implications.

  • Retirement
  • Accommodation


Retirement is a significant life change event.  The change creates the opportunity to revisit what is important in life, identify and clarify your defining values, and then design your life around these values.


If retirement spans over 20 years, your needs will most likely change, and the question of where you live and what you live in, will come up as a serious consideration a number of times.  For many people the family home is both financially and emotionally significant and impacts on all planning aspects. This makes forward planning a must.

Taking care of Business

Certain matters must be dealt with for lifestyle and legacy wishes to be met and to look at future uncertainties. The Primetime Plan addresses the following aspects:

  • Finance
  • Estate Planning
  • Tax Planning
  • Welfare and benefits

Retirement Planning Graph


Managing money forms a cornerstone of planning in retirement, and for most of us, our financial circumstances will impact on many of our lifestyle decisions and choices, as well as how much of a financial legacy might be possible.

The Primetime finance component deals with three key factors

Income-how much income you have to spend

Costs-what it costs to live and to do what you would like to do including covering possible major future costs

Assets and debt-what future assets are available to draw on to fund lifestyle costs and plan for a financial legacy


Estate planning is vital for a number of reasons

Firstly, if you should become incapacitated either temporarily or permanently, then someone or a number of people will need to take over the management of your affairs.

Secondly, if you want to ensure that your wishes are adhered to on passing with regard to your estate, then appropriate legal documentation needs to be prepared.

Thirdly, estate planning needs to be revisited regularly as circumstances change which need to be addressed.

Finally, estate planning needs to be communicated, documentation needs to be valid, up to date and accessible.

Primetime planning will establish whether appropriate estate planning has been established and if so whether it is still relevant to the current circumstances and likely scenarios.

Tax Planning

Tax Planning is closely aligned and forms part of financial planning as the after tax value of an estate is its real value in terms of cash generation. Planning is vital as some asset ownership change may be required in retirement and when accommodation needs change. When people evaluate their wealth for the purpose of planning, they often ignore the tax consequences of options they are reviewing. This can be a cost of anywhere between nil and around 50% of gains.

Welfare and benefits

Some research in Australia shows around 80% of retirees over 55 receive government benefits.

The accessibility to government funded welfare and benefits may be a significant financial factor for retirees over the expected 20 years of life expectancy after retirement age. This complex and bureaucratic aspect of planning needs to be undertaken together with financial planning and tax planning so that effective strategies can be put in place.

Health and Wellness

There is accepted agreement that financial health is largely irrelevant without good physical and mental health. Quality and enjoyment of life later in retirement is usually measured by mobility, feeling of wellness and a sound mental state.

Primetime planning places importance on proactively managing physical and mental health issues. Conventional wisdom dictates that early detection of health issues greatly affects the ability to cure, delay or minimise symptoms of disease and illness. Given at sixty five years of age there is statistically around 20 years of remaining life expectancy, each year of quality life becomes more precious.

Primetime planning recognises three levels of health prevention and these are explained below.

  • Primary prevention
  • Secondary prevention
  • Tertiary prevention

excercise group

Primary prevention

Lifestyle choices which enhances health and well being. This involves being proactive around diet and exercise.


Secondary prevention

This involves early screening and early detection of chronic disease and disability.


Tertiary prevention

Clinical management of disease symptoms and disability.


How would you like to be remembered?
Planning your legacy is something that is very powerful and can provide purpose and meaning both through life and beyond. It shouldn’t be mistaken with having a will. It’s more than that.

  • Legacy

Leaving a legacy comes from reflection, thinking and feeling.

Primetime planning stimulates thought for those that are ready to look to the heart and focus the mind. For some it becomes a quest, and for others it will never occupy a conscious thought, never become front of mind. A person doesn't have to be a millionaire to leave a legacy. It can be something as simple as passing on a skill or special item that a person wants to keep in the family.


This is all about choice and having some control to plan for yourself and your partner whilst you are healthy and able. The Primetime philosophy  is that people can enjoy a high quality of life through ageing  but the approach is always to "plan for future scenarios otherwise others may make your choices for you"

  • Care and Support
  • Roles and responsibilities

Care and Support

Regardless of how well people manage their physical and mental health and well being, as people get older they will experience symptoms associated with ageing such as declining physical strength, deteriorating sight and hearing, frailty, cognitive decline and lower mobility.

What this means in practical terms is that in the latter years of retirement, there is a significantly higher likelihood of the need for healthcare assistance or support either in the home or by moving into a residential care facility.

This area of planning is overlooked by many people and in many cases the choices and planning is done by the children.

Roles and responsibilities

As a consequence of ageing we have to continually reassess the ability to manage our affairs. Physical symptoms of ageing, combined with factors such as technology changes, or the health of a partner, may force change upon us where you become more reliant on others for help or they may become more reliant on you.

What is needed is to understand and accept this inevitability, and proactively plan for it.