Most retirees leave $50,000–$200,000 on the table — and spend their retirement second-guessing every decision because no one's coordinating the whole picture.
Your journey with us starts with a 60-minute paid Retirement Health Check. At the end, if there's clear value in us managing everything for you, we'll show you what it would look like to join the Prime Years Retirement System.
You want to retire but don't know if the numbers actually work — or how much you can safely spend without running out.
You've retired but haven't properly structured everything. You're wondering if there's money being left on the table.
You've saved well but won't book the holiday, buy the car, or help the kids — because you're not sure if you can afford it.
You're thinking about downsizing but don't know what to do with the proceeds or how it affects Centrelink.
You want to know your money will last, that your spouse and kids will be looked after, and that someone independent is coordinating everything.
Rebuilding from scratch — or making financial decisions alone for the first time.
The hardest part isn't having the money. It's knowing what's safe to spend, where everything should go, and who to trust with the whole picture.
The real problem? You don't know how it all adds up. You can't see the blind spots. You're making major family decisions — downsizing, helping kids, estate planning — without knowing if you're getting it right. And when something happens to you, your spouse and kids will inherit the complexity, not clarity.
Left on the table in Centrelink entitlements, tax inefficiency, and investment costs over your retirement.
Later than you needed to retire — because you never had clear numbers you could trust.
Super death tax your kids might pay unnecessarily if your super isn't structured properly.
What your family inherits if nothing's organised — scattered accounts, no plan, and conflict.
Book your Retirement Health Check. We'll show you exactly where the gaps are.
Most advisers only focus on investments. We focus on what actually matters: your Lifestyle, your Life Stages, and the Legacy you leave behind.
Not spending too much. Not spending too little.
The real question isn't "How much do I have?" — it's "How much can I safely spend without running out?"
Result: You stop agonising over every decision and start living.
The known unknowns. Planning for what's coming.
Retirement isn't static. Life happens — downsizing, aged care, health changes, divorce, widowhood, inheritance. Often more than one thing at once.
Result: Major life transitions don't derail your retirement.
Calm, not chaos. Harmony, not disputes.
When you're gone, what does your family inherit — calm and clarity, or confusion, conflict, and legal bills?
Calm looks like: One joined-up system everyone understands. Family meetings where we help guide decisions. Your spouse and kids have a trusted family CFO to call. No unnecessary tax, no confusion, no conflict.
Result: Your family remembers you for what you gave them, not the mess you left behind.
We bring all three pillars together in one joined-up system so you can stop managing and start living. This isn't just advice — it's a complete ecosystem.
We're not built for one-off tax questions. The Prime Years Retirement System is for families who want a complete ecosystem and a long-term partner — most stay with us for many years beyond the initial 12-month commitment.
Trusted by over 1,000 Australian families. Featured in AFR, The Age, 7 News, and leading retirement publications.
Shaun specialises exclusively in retirement planning for Australians 55–75. After seeing too many families leave money on the table and inherit chaos, he built Prime Years as a complete system — not one-off advice.
Louisa ensures everything runs smoothly — from your initial Health Check through to ongoing system management. She's your main operational contact and keeps all the moving parts coordinated.
Our dedicated client services team handles the day-to-day — Centrelink applications, account coordination, paperwork, and making sure you never have to chase anyone. They're the reason our clients say "I don't have to think about any of this."
We're absolute experts in one thing: helping Australians 55–75 with $600k–$2M in investable assets retire earlier, spend confidently, and leave calm instead of chaos.
Note: If you have more than $2 million in investable assets, contact our office directly to discuss our Private Office tier.
Not everyone qualifies. And that's by design. We only work with people we know we can help.
We'll be honest about whether we're the right fit.
We're not generalists trying to serve everyone from 25-year-olds to 80-year-olds. We're absolute experts in Australian retirement for people 55–75 with $600k+.
We hold our own licence. No bank ownership. No commissions. No product quotas. No conflicts of interest. Your outcome is our only measure of success.
You get certainty. Your spouse gets someone to call. Your kids get a trusted contact who knows the whole picture.
Lifestyle — permission to spend without fear. Life Stages — planning transitions before they become crises. Legacy — leaving calm, not chaos.
We're not generalists. We work with Australians 55–75 who want a clear, confident, enjoyable retirement.
This isn't advice. It's a system. One consolidated view. Centrelink concierge. Tax optimisation. Estate coordination. Ongoing stewardship.
We don't just tell you what to do — we apply for Centrelink, set up accounts, coordinate with your accountant and solicitor, and manage the whole system.
Shaun Ganguly and Prime Years have been featured across Australia's most respected media outlets — sharing retirement insights to help thousands of Australians retire with confidence.
Shaun Ganguly warns the new rules will impact wealthier individuals most, ending strategies that used large upfront payments to qualify for pensions.
Read →Shaun Ganguly discusses the changing landscape of retirement and downsizing, focusing on how new rules are reshaping financial choices for older Australians.
Watch →Recent rule changes are making downsizing more appealing for older Australians by easing financial and contractual barriers in retirement village contracts.
Read →Tim Henry and Shaun Ganguly break down the July 2025 cost changes and what you need to know now.
Listen →Specialist advisers guide families through aged care with planning, education, placement, Centrelink/DVA support, and financial strategies.
Read →Association of Aged Care Service Professionals — Shaun Ganguly presents on the financial dimensions of aged care planning.
Watch →Answer a few quick questions. We'll show you if you're likely leaving money on the table and whether you're a good fit. You can also skip this and go straight to the Health Check.
Secure your session via our booking link (payment taken upfront). You'll complete a detailed pre-meeting questionnaire so we can do proper homework before we meet.
In your 60-minute Health Check we map your current position, identify what's being left on the table, and show you what's possible across Lifestyle, Life Stages, and Legacy.
If we both agree there's a clear benefit, we'll show you exactly what it would look like to join. You can say yes, no, or not yet. The $495 Health Check stands on its own.
Many people get huge value from the Health Check alone — clarity on what they're leaving on the table, how much they can safely spend, and whether they can retire earlier.
Once you book, you'll complete a detailed pre-meeting questionnaire. We review your information, run preliminary checks, and come prepared — this is a working session, not a sales call.
After your 60-minute Retirement Health Check, we'll send you a copy of the recording and a summary of the key gaps and opportunities we identified.
If there's a clear benefit in us managing everything for you, we'll outline what it would look like to join the Prime Years Retirement System — what's included, how we work together, and the all-inclusive annual fee options.
You decide in your own time. No pressure. No chasing. If you choose not to continue, you still keep the recording, the insights, and the clarity from the Health Check.
Stop guessing. Stop second-guessing. Find out if you're leaving $50k–$200k on the table in Centrelink entitlements, tax inefficiency, and investment costs — and whether you could retire earlier than you think.
