The eight guides
Each one solves a problem most retirees don't realise they have — until it costs them.
The Age Pension playbook
Retiring at 60? 65? 67? This guide covers the gap years before pension age, what happens to your super when you stop working, the assets test, income test, deeming rates, and the entitlements most people don't know exist — whether you're self-funded or heading for the pension.
Your home, your pension, and aged care
If you need aged care, your home could be counted against you. The 2-year exemption rule, the RAD vs DAP decision, and how the family home is treated — before Centrelink decides for you.
When your partner dies
The bills stay the same but the pension drops overnight. You flip from couple to single thresholds, jointly-owned assets don't halve, and the pension can stop entirely. The claims, the 14-week bereavement period, and the steps nobody tells the surviving partner about.
Helping your family without losing your pension
Give money the wrong way and Centrelink's 5-year gifting rule slashes your pension — even if the money's gone. Done right, you help them and keep every dollar.
Super death tax and your estate
Between super fund fees and the taxman, many retirees feel the system is rigged against them. Your super doesn't automatically go where you think — non-dependant adult children can pay up to 32% tax on your death benefit. Here's how to structure it so the ATO doesn't take a third.
When you die: the paperwork your family needs
Your family has weeks of Centrelink notifications, super claims, tax returns, and legal paperwork. This step-by-step checklist makes it manageable.
Make it last: the drawdown playbook for self-funded retirees
You spent forty years saving it — nobody taught you how to spend it. Safe withdrawal rates, sequencing risk, the bucket strategy, how the Age Pension quietly backfills as your balance falls, plus an income lookup table for your balance and a one-page drawdown plan worksheet.
Leaving Australia: the pension, tax and Medicare playbook
Five clocks start the day your plane lifts off — and most Australians only find out after the money stops. The 35-year residence rule that sets your overseas pension rate, the two-year claiming trap, what happens to Medicare, and the CGT rule that can cost you the exemption on the family home.
Get the complete library
All eight guides — including the new drawdown playbook and the overseas retirement playbook. Whether you're 56 and planning ahead or 70 and want to check you're not leaving money on the table — sort your pension, protect your home, make your super last, plan your estate, work out what changes if you retire overseas, and make sure your family knows what to do.
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"I have between 2.0 and 2.2 million at 60. We own our home and an investment property. Financial advisor wants us to work until 65 but I don't want to give up the few healthy years I may have. I am petrified of running out of money in my late 70s or 80s."
@bretthugo7639
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"It is criminal deception when the government does not inform pensioners of all the legitimate claims that they are entitled to. The government should be giving all pensioners an interview so they do not miss out."
@DarrallRose
4 likes
"One firm wanted $8k for super financial planning advice, yeah nah. See the problem is if you chuck say $900k in a drawdown calculator it says you can have a $65k income until your 90s... who's right, who's wrong?"
@metcruza5536
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