Primetime is our definition for the stage of life where people can call their time their own. Some people know this by the more common but limiting term, "retirement".

The Primetime system has been designed as an online, integrated planning system covering all the key planning aspects of life which can maximise the quality of their Primetime.

The system is for people and couples of all ages who have either, stopped working, are winding down work commitments, or are planning to stop working. The Primetime system  can be fully self-managed online and includes access to tools and resources to help  implement, monitor and manage Primetime life.

Where it is more practical and effective, other people such as adult children, advisors or organisations, might help with getting started and assistance in using the system. This would be in the case of retirees  who don't have experience with using the internet or computer systems.

The Primetime system is flexible and dynamic, allowing  key areas of planning to be revisited and updated as circumstances change and different needs arise.

If planning help is needed, then others such as advisors or support agencies can be called on to assist with as little or as much help as is needed. Where the planning identifies specific specialist skills needed, then Primetime can provide access to those skills through our referral partners and networks.

We consider and cater to four distinct stages of Primetime (retirement). These are

  • Transition from work- Getting your ducks in a row
  • Early years of retirement- Honeymoon period/Change management/Now what?
  • Retirement- Retirement is now the new normal
  • Ageing- Specific planning needs as people age



The Primetime Integrated Planning System (PIPS) is comprehensive yet simple to understand and implement. This is because each key aspect of the Primetime is addressed separately through specific planning components and the planning actions are captured through the action planning tool. Set out below are some of the matters covered



Am I going to need to move in the future?
What would be most suitable going forward?
Accommodation choices can have a significant impact on both finances and lifestyle for retirees and getting it right means using the head and the heart.

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Estate Planning

If something happened to me or I passed away, would my partner and family be taken care of as I have intended?
This can only be assured if estate planning is done properly and not out of date.

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How do I start planning for retired life?
What are the priorities?
An evaluation is a systematic review of facts and feelings covering all planning aspects in order to clarify what to plan for and when.

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Retirement Planning Graph


What can I spend through my Primetime?
Money is often a major factor that is front of mind for people who finish working life. Given the variables and uncertainty, it is important to run the numbers and review them on a regular basis.

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Care & Support

How would I go about getting care or support if needed ?
Most people find this complex, bureaucratic and constantly changing. If not planned ahead of time, choices can be limited and decisions might be made by others.

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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.

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Retirement design


How will I spend my time in retirement?
Full time work consumes around 2,000 hours a year. Planning your Primetime is more than ticking off a bucket list. It is about designing how to live a life with meaning and purpose.

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Passing the baton

Roles & Responsibilities

What would happen if I could no longer manage all the tasks and roles that I do and which people rely on me for?
This is more than having a power of attorney, this is about having a backup plan, just in case.

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Physical & Mental Health

Are health issues going to affect my Primetime plans?
Although we cant control the genetic lottery, it is widely accepted that health strategies can be commenced at any age which can prevent, or delay, symptoms of chronic illness.

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Tax Planning

How can I ensure that I don’t pay too much tax in retirement and on my estate?
Tax and levies can be anywhere between nil to around fifty percent of gains. Well planned, pro active tax strategies are key to wealth maximisation and intergenerational wealth transfer.

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Welfare & Benefits

Am I getting all of my entitlements?
Benefits and entitlements can have a big financial impact through retirement. Rules are constantly changing and keeping on top of this is certainly challenging.

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Primetime works extensively with professional advisors, practitioners, companies and organisations including community bodies.

Being a partner can be through using an Advisor version of the Primetime Integrated Planning System (PIPS) in your own business for your clients (or prospective clients) or members, or by registering to be a referral partner for Primetime system users who need, and are seeking, expert help.

Alternatively companies and organisations can customise the Primetime system to suit their own clients or members needs.


To register your interest in becoming a Primetime partner or for more information please email or call us



A service like this has been a long time coming. The Primetime personal service is essentially a ‘one stop shop’ that provides comprehensive advice on everything that can impact on living well after retirement. Their advice is not merely generic, but rather specific to your own situation. Every detail is considered, including your ‘bucket list’, your health and well being considerations, your finances and tax implications, and the very important estate planning. As full-time carer of my husband with dementia, I have been overwhelmed with the confusion of information ‘out there’ from various service agencies, government departments and organisations. Quite frankly, it is a minefield for the unwary – particularly for those who have little expertise in financial matters or dealing with Centrelink. Peter and Geoff were diligent in reviewing what plans I had in place, uncovered some issues that would have been very expensive mistakes on my part, and provided me with a detailed, comprehensive report covering different scenarios, plus an action plan that will ensure I will have everything in place for a worry-free future. I highly recommend Elderplan to those with aging parents and anyone heading into retirement. Peace of mind is priceless.
Janet C, Attadale WA

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