P3 Financial Planning

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

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!

We’ve had a glow up! Head to our new website to check out our new branding. Link in bio.
11/12/2025

We’ve had a glow up! Head to our new website to check out our new branding. Link in bio.

Congratulations to this year’s team member of the year, Demi Laurel! The smiling assassin always blows us away with her ...
03/12/2025

Congratulations to this year’s team member of the year, Demi Laurel! The smiling assassin always blows us away with her hard work and ability to crush any task in her path, and her calm and happy personality makes her a pleasure to work with. Well done Demi!

💼 Policy Update: Sanity Prevails on Div296 Tax Treasurer Jim Chalmers has announced significant changes to the controver...
13/10/2025

💼 Policy Update: Sanity Prevails on Div296 Tax

Treasurer Jim Chalmers has announced significant changes to the controversial Division 296 superannuation tax, backing down from taxing unrealised capital gains on balances above $3 million. The revised proposal will now:

- Apply only to realised investment earnings on the portion of a super balance exceeding $3 million.
- Introduce indexation for the $3 million threshold, aligning it with the Transfer Balance Cap.
- Add a new tier: earnings on balances above $10 million will be taxed at 40%, affecting around 8,000 Australians.
- Delay the start date from 1 July 2025 to 1 July 2026.

These changes come after sustained industry pressure and concerns about the fairness and practicality of taxing unrealised gains. The SMSF Association and other industry bodies welcomed the move, calling it a return to the drawing board and a win for consultation and common sense.
Additionally, the government will increase the Low-Income Superannuation Tax Offset (LISTO) from $500 to $810 and raise the eligibility threshold from $37,000 to $45,000—aimed at improving retirement outcomes for low-income earners, particularly women.

While the revised tax is expected to raise $2 billion over the forward estimates—down from the original $6.2 billion projection—Chalmers emphasized the reforms are about making superannuation more equitable and sustainable.

This is a massive win for industries bodies like the Self Managed Super Fund (SMSFA) who consulted on the policy.

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