Depending on your financial situation, with the right financial structure, you might qualify for valuable benefits that can make a real difference over time: a part Age Pension, a Commonwealth Seniors Health Card, or other concessions that stretch your retirement income further.

We help you structure your assets and income to legitimately access what you’re entitled to from Centrelink.

Your Money Your Life

Strategically managing your assets, income and entitlements

Age Pension eligibility review

We calculate whether you could qualify for a full or part Age Pension based on current assets, income and Centrelink rules — and show you how to structure things to improve eligibility.

Commonwealth Seniors Health Card

Even if you’re not eligible for the pension, you might qualify for this valuable card, giving access to cheaper medicines, bulk-billed GP visits and discounts on utilities and travel. We make sure you don’t miss out.

Optimising super and pension accounts

We structure account-based pensions and income streams to meet the income and asset test thresholds without compromising lifestyle or investment returns.

Gifting and asset restructuring

We model what happens when you gift money to family or move assets – showing exactly how it affects your Centrelink position and avoiding accidental penalties.

Deeming rate and income test strategies

We help you manage cash, term deposits and investments to align with deeming rules, ensuring your income is assessed fairly and efficiently.

Partner and couple assessments

We coordinate strategies between spouses — so both your asset and income positions are optimised for the best combined outcome.

Ongoing monitoring

Centrelink rules and thresholds change regularly. We keep you informed and review your situation so you stay compliant and continue receiving your full entitlements.

Who Centrelink and Age Pension advice is for

This service is for you if you’re:

  • A self-funded retiree or couple who may be close to the asset or income test thresholds
  • Already drawing income from super or investments and want to optimise entitlements
  • Retired and frustrated with the complexity of Centrelink forms and assessments
  • Wanting to maximise retirement income without unnecessary risk or tax exposure
Centrelink and Age Pension advice

Possibly. It depends how those assets are structured and whether they’re deemed or exempt. We model your full picture to see if you qualify — many clients are surprised by the result.

The Age Pension pays a regular income. The Commonwealth Seniors Health Card offers healthcare and cost-of-living discounts. You can receive the card without getting a pension.

Centrelink allows limited gifting — up to $10,000 per year or $30,000 over five years — without penalty. Beyond that, the excess still counts towards your assets for five years. We help you gift strategically.

Yes. As your assets and income change, eligibility may shift. We review your situation regularly so you don’t miss opportunities.

Yes — and often unfavourably if not set up correctly. We help structure your investments to balance asset protection, tax efficiency, and Centrelink outcomes.

Centrelink assumes your financial assets earn a set rate of return, regardless of what they actually earn. We model different options to manage this “deemed income” effectively.

Absolutely. We handle the complexity — from forms to follow-ups — so you can focus on living your retirement, not chasing government departments.

Even $100 a fortnight adds up over time — but the real value is the attached benefits: cheaper medicines, utilities, and the reassurance that you’re not missing out on what you’re entitled to.

Since 2009, we’ve helped financially successful retirees optimise their entitlements and retirement income with clarity, confidence, and care.

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