How can I maximise my Centrelink Age Pension entitlements?

Centrelink applies both an Income Test and an Assets Test, with the one resulting in the lower pension being applied. We provide legal strategies to maximize entitlements by utilizing assets that receive favorable treatment. We also act as the 'middle-man' with Centrelink to remove the hassle of managing their expectations.

How can a financial planner help with Aged Care?

Aged care is complex, especially with the Nov 1, 2025, legislative changes. As FAAA Aged Care Specialist™ accredited planners, we help families navigate paperwork, minimize fees, and develop strategies that protect the family's financial position while ensuring quality care for loved ones.

Do I have to sell the family home to pay for Aged Care?

Not necessarily. There are various ways to fund a Refundable Accommodation Deposit (RAD). Keeping the home can sometimes be more tax-effective or beneficial for Centrelink assessments. We provide scenario modeling to determine which strategy is objectively in your best interest.

Optimising Centrelink. Simplifying Care.

Illustration of an elderly couple shaking hands with a young man, in front of a large document with a laurel wreath, symbolizing age care and social security, with upward trending graphs in the background, set on a green landscape with a winding path leading to a house.

Compassionate guidance to navigate the transition to care and optimise your government entitlements.

How do you qualify for (and maximise) the Age Pension, Disability Support Pension, or Concession Cards?

Should you sell the family home to pay for care, or are there more tax-effective ways to structure your assets?

Do you have a clear strategy for managing RADs, DAPs, and the complex tiered fee structures of the aged care system?

FAQs

Q: How can I maximise my Centrelink Age Pension entitlements?
A: Centrelink rules are strict regarding assets and income. There are two tests that apply; an ‘Income test’ and an ‘Asset test’. The test that provides you with the lowest Age Pension is the test that applies to you. Some assets and income receive favourable Centrelink treatment helping maximise what you may be entitled to. We provide strategies that may help you legally maximise your Centrelink entitlements while staying compliant. We are also often the ‘middle-man’ between you and Centrelink, taking the worry and hassle out of managing Centrelink expectations.
Q: How can a financial planner help with Aged Care?
A: Aged care is one of the more complex financial areas in Australia. Rules surrounding aged care recently changed (as of 01 Nov 2025), making aged care costs more expensive for you, but also more sustainable for aged care facilities with less pressure on Government budgets. We help families with strategies that best suit their financial position, navigate the paperwork, minimise fees, and ensure their loved one receives quality care without compromising the family's financial position. With FAAA Aged Care Specialist ™ accreditation and ongoing professional development, we ensure we always remain on the cutting-edge of Government Aged Care legislation and strategies.
Q: Do I have to sell the family home to pay for Aged Care?
A: Not necessarily. There are various ways to fund the Refundable Accommodation Deposit (RAD), and in some cases, keeping the home can be more tax-effective or beneficial for Centrelink assessments. Part of the value of Aged Care strategy advice is the clarity of knowing that the recommended strategy is objectively in your (or your loved ones) best interest - with the scenario comparisons and modelling to prove it.

Plan Your Pension & Care

Optimising Centrelink. Simplifying Care.

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