We’re back! In this episode of the Retirement Concepts Podcast, co-hosts Lionel O'Mally and Peter Graham return to explore why retirement isn’t just about having enough money—it’s about knowing what to do with it.

🎙️ Hear how a financial planning session in rural Australia and a conversation with a top adviser in Singapore revealed the same truth: lifestyle is the real retirement challenge.

🔍 Topics covered:

• The difference between being financially ready and truly prepared
• Why lifestyle planning matters just as much as savings
• How to avoid "falling off a cliff" into retirement
• 70 questions you may not even know to ask

Whether you’re close to retirement or just starting to plan, this episode will shift your thinking.

📘 Grab yur copy of The Little Book of Retirement Concepts at lbrc.au (Start here with purchasing a guide to help you understand the possibilities in retirement to prepare you for the golden years!)

🔔 Subscribe to our Youtube, Spotify and right here on Acast, to stay updated as new episodes drop—each one packed with practical advice and real stories.

📱 And connect with us on Facebook, Instagram.

#RetirementPlanning #LifeAfterWork #RetirementConcepts #LifestyleInRetirement #FinancialFreedom #RetireWithPurpose

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In this episode of the Retirement Concepts Podcast, Peter and Lionel dive into the exciting "go-go years" of early retirement—a phase filled with energy, exploration, and new opportunities. They emphasise the importance of embracing this time to travel, create unforgettable experiences, and make the most of your retirement while health and mobility allow.

Learn why the go-go years are the ideal time to tick off your bucket list, invest in meaningful memories, and enjoy the financial freedom you've worked so hard to achieve. From adventurous travel tips to creating your own personalised bucket list, Peter and Lionel share practical advice and inspiring stories to help retirees make the most of this vibrant chapter in life.

Discover why these experiences are not just moments but "memory dividends"—joyful returns that continue to enrich your life long after the event. Whether it's a surprise trip to a hidden gem like the Faroe Islands or making small, meaningful adventures part of your journey, this episode will leave you inspired to plan, explore, and enjoy.

For more retirement tips, grab your copy of The Little Book of Retirement Concepts at www.lbrc.au, and connect with us on Facebook, LinkedIn, and Instagram.

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In this episode of the Retirement Concepts Podcast, Peter and Lionel explore the essential elements of pre-retirement planning, focusing on both financial and lifestyle strategies to help you achieve a worry-free and fulfilling retirement.

You'll learn the importance of developing the right mindset early, understanding how financial preparation can reduce stress and create opportunities for a vibrant lifestyle. Lionel highlights critical financial planning topics, including superannuation, income strategies, and the role of the Centrelink pension, while Peter offers practical advice on housing decisions, downsizing, and the emotional challenges of moving.

Discover how to strategically plan for retirement, balance lifestyle dreams with financial realities, and avoid common pitfalls like delaying crucial decisions or underestimating the costs of retirement goals. From deciding when to retire to navigating life changes such as downsizing or embarking on that long-awaited caravan journey, Peter and Lionel guide you through practical steps to create a personalised retirement plan.

After listening, you'll feel empowered to take control of your retirement journey, armed with the knowledge to make informed financial and lifestyle decisions. For more tips and tools, grab your copy of The Little Book of Retirement Concepts at www.lbrc.au and connect with us on Facebook, LinkedIn, and Instagram.

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In this episode of the Retirement Concepts Podcast, Peter and Lionel explore the foundational phase of financial planning: wealth accumulation. They delve into essential strategies for young professionals and pre-retirees, emphasising the power of early financial habits, the magic of compound interest, and the importance of taking advice from qualified experts.

Drawing from decades of experience, Peter shares timeless wisdom on the value of saving over borrowing, the pitfalls of excessive spending, and how small adjustments today can lead to significant long-term gains. The conversation also highlights key lessons from the book Die With Zero, discussing how to create meaningful experiences at the right stages of life and the benefits of purposeful wealth distribution.

This episode will inspire you to rethink how you manage money, make smarter financial decisions, and consider the balance between enjoying life and planning for the future. Don’t miss Peter’s practical advice on tackling spending habits and Lionel’s insights on leveraging superannuation and employer contributions for a secure retirement.

For more financial and lifestyle tips, grab your copy of The Little Book of Retirement Concepts at www.lbrc.au, and follow us on Facebook, LinkedIn, and Instagram.

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In this episode of the Retirement Concepts Podcast, Peter and Lionel explore the theme of life as a journey, emphasising the importance of planning for both the accumulation and enjoyment phases of retirement. Drawing inspiration from their Little Book of Retirement Concepts, they share practical tips for preparing for a fulfilling retirement while avoiding common pitfalls like boredom and excessive screen time.

In this episode, you'll learn why retirement is like climbing a mountain, where guidance is crucial both on the way up (wealth creation) and on the way down (de-accumulation). Peter and Lionel discuss the critical role of mindset, how to stay mentally and physically active, and the dangers of an unplanned retirement, including the startling statistic of retirees spending nine hours a day on screens.

After this episode, you'll feel inspired to take control of your retirement planning and create a post-work life full of excitement, purpose, and engagement.

In this episode of the Retirement Concepts Podcast, Peter and Lionel dive deep into the client experience of financial planning, sharing how technology and personalised advice help pre-retirees and retirees navigate their financial journey with confidence. From tackling the daunting 'too-hard basket' of finances to building clear, actionable plans, they outline the steps to achieve a secure and fulfilling retirement.

After this episode, you'll feel equipped to take proactive steps toward financial security and understand the critical role of financial planners in turning your retirement goals into reality.

For more retirement tips, grab your copy of The Little Book of Retirement Concepts at www.lbrc.au, and connect with us on Facebook, LinkedIn, and Instagram.

Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Retirement Concepts Podcast, Peter and Lionel dive deep into the client experience of financial planning, sharing how technology and personalised advice help pre-retirees and retirees navigate their financial journey with confidence. From tackling the daunting 'too-hard basket' of finances to building clear, actionable plans, they outline the steps to achieve a secure and fulfilling retirement.

In this episode, you'll learn how embracing technology, like financial apps, can simplify managing your assets and liabilities, the importance of understanding your current financial position, and how professional advice can transform your wealth journey.

Peter and Lionel explain the role of superannuation, the impact of opportunity costs, and the value of ongoing reviews for staying on track.

After this episode, you'll feel equipped to take proactive steps toward financial security and understand the critical role of financial planners in turning your retirement goals into reality.

Discover more tips and insights by grabbing your copy of The Little Book of Retirement Concepts at www.lbrc.au and connect with us on Facebook, LinkedIn, and Instagram.

For more retirement tips, grab your copy of The Little Book of Retirement Concepts at www.lbrc.au, and connect with us on Facebook, LinkedIn, and Instagram.

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In this episode of the Retirement Concepts Podcast, Peter and Lionel discuss the importance of early retirement planning and how to approach both the financial and lifestyle aspects of retirement, but also who they each work with and their experience working with those people.

In this episode they share:

• Peter's personal experience from attending the Million Dollar Roundtable conference and the surprising realisation that most people have a limited vision of what they’ll do in retirement. While many know their main activities (like golf or travel), few understand the broader complexities of this phase.
• The fact that retirement planning involves over 80 different factors, with finances being just one aspect and how to prepare for the lifestyle changes you'll face.
• An example of why it's important to start retirement planning early.
• Some individual stories of people who are enjoying successful retirements due to thoughtful planning in both financial and lifestyle matters.

If you haven't started your retirement planning now, seek professional advice for both financial and lifestyle preparation to ensure a smooth and rewarding retirement.

For more retirement tips, grab your copy of The Little Book of Retirement Concepts at www.lbrc.au, and connect with us on Facebook, LinkedIn, and Instagram.

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In this episode of the Retirement Concepts Podcast, Lionel and Peter dive into the critical financial considerations for a secure and enjoyable retirement. They explore the essential steps to build and optimise superannuation, offering actionable advice for employees, business owners, and self-employed individuals.

The episode highlights:

• Why early preparation and contributions to superannuation are vital for long-term financial security.
• The benefits of leveraging concessional and non-concessional contributions for tax-efficient wealth growth.
• Misconceptions about relying on property or businesses for retirement income and the potential pitfalls of these strategies.
• The power of compound interest and why starting early can make a significant difference.
• Practical strategies for business owners to balance immediate financial demands with future retirement planning.

Lionel and Peter also share insights into navigating common superannuation mistakes, such as chasing last year’s best returns, and emphasise the importance of professional advice for making informed decisions.

Tune in to discover how financial strategies, combined with proper planning, can help you achieve a fabulous retirement.

For more retirement tips, grab your copy of The Little Book of Retirement Concepts at www.lbrc.au, and connect with us on Facebook, Linkedin and Instagram.

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