Topic
Retirement Planning
9 articles on retirement planning — general-advice insights for Australians.
Age Pension assets test — what the current thresholds mean for retiree couples
Couples in the $500,000 to $1.1 million range sit in the pension taper zone.
The Home Equity Access Scheme: a government reverse mortgage worth knowing about
HEAS offers government-rate reverse mortgage access to home equity at 3.95% p.a.
Age Pension for refugees and humanitarian visa holders: the QRE exemption and what it means
The Qualifying Residence Exemption lets refugees access the Age Pension without the 10-year waiting period.
Family business succession at retirement: structural options and why multi-year preparation matters
Family business succession involves tax, family, and retirement income choices that reward multi-year preparation.
The financial handover: preparing the partner who hasn't been the financial decision-maker
Advance financial handover preparation supports the non-financial partner when the decision-maker dies or loses capacity.
The "member of a couple" test for Centrelink: how relationship status is assessed
Centrelink's member-of-couple test uses five factors to determine relationship status and pension rates.
Made redundant in your 50s or 60s: the tax treatment, the super opportunity, and what to plan for
Genuine redundancy triggers tax-free thresholds and super contribution windows worth planning carefully.
The Work Bonus: how to earn without losing your Age Pension
The Work Bonus exempts $300 of fortnightly employment income from the Age Pension income test.
How much do you really need to retire in Australia?
The honest answer isn’t a single magic number — it’s a conversation about the life you actually want to live.