Welcome back to the Retirement Concepts Podcast with Lionel O’Mally from Purpose Planning and Peter Graham from Redefining Retirement. This episode holds a special place in our hearts, as it was the last podcast Peter recorded with Lionel before his passing. In this final conversation together, Lionel and Peter explore the final and often least discussed phase of retirement — the No Go Years — and the importance of preparing for this stage of life with care, confidence, and dignity.

They discuss how the No Go Years can arrive gradually or unexpectedly through illness, declining mobility, or changes in cognitive health. Peter shares his personal approach to preparation, including his “final letter” to his children, keeping important records organised, and ensuring loved ones know where to find essential information. Together, Lionel and Peter highlight the importance of having an up-to-date will, an enduring power of attorney, and clear instructions about future medical care and personal wishes.

You’ll also learn how to plan ahead for aged care, understand the financial implications of care facilities, and make informed decisions before a crisis occurs. They explore ways to support brain health, preserve meaningful memories, and create a lasting legacy that goes beyond money — one built on love, thoughtful preparation, and the memories we leave behind.

As we share this episode, we also honour Peter Graham and his lasting contribution to retirement education. His wisdom, generosity, and passion for helping people navigate retirement shine through in this conversation. His message about preparation, family, and leaving a meaningful legacy carries even greater significance now. Though Peter is no longer with us, his insights and the knowledge he shared will continue to help and inspire others for years to come.

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

Rest in peace, Peter. Thank you for the wisdom you shared, the lives you touched, and the legacy you leave behind. You will be deeply missed and fondly remembered.

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