THE COMPLETE AUSTRALIAN RETIREMENT GUIDE · 2026–27 FINANCIAL YEAR

Everything Steve Knows

Six guides on the Age Pension, super, the family home, and the tax most families never see coming. Two of the six are only available in the set — including the handover file your family will need when you're gone.

The Complete Australian Retirement Guide

All six guides, delivered instantly
Two guides exclusive to the set
Lifetime access · 30-day refund

Today

$497

Get the complete guide — $497

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The six guides

Four available individually. Two only available as part of the set.

Before Your Super Reaches Your Children

Australia's de facto inheritance tax — the 17% most families never see.

In the set only

Before You're Gone

The handover file your spouse, children, and executor will actually need.

In the set only

Before You Claim the Age Pension

The two tests that decide your payment — and the levers that change it.

$249 · or in the set

Before You Sell the Family Home

CGT, the six-year rule, downsizing, and how Centrelink values your home.

$249 · or in the set

Before You Lose Your Husband or Wife

The reassessment that can shrink a survivor's pension twice over.

$299 · or in the set

Before You Help Your Kids With Money

Gifting limits, the loan-vs-gift trap, guarantees, and granny-flat rules.

$299 · or in the set

The two set-only guides are the most valuable in the collection — and they only work alongside the others. They're not sold separately on purpose.

If you've read the free guide, you already know what kind of book this is.

The free guide named ten things the Australian system owes retirees and almost never pays out on its own. The Seniors and Pensioners Tax Offset. The Commonwealth Seniors Health Card. The Work Bonus. The six-year rule on the family home.

Those ten items are the surface. Anyone who qualifies can claim them in an afternoon of phone calls.

The set underneath is six guides covering the rest. What the Age Pension actually pays, and the assets-test taper that quietly shrinks it. The family home — CGT, the six-year rule, downsizing, and how Centrelink values it. The reassessment that hits a surviving spouse. Helping adult children without losing your own pension to a gift, a loan, or their divorce. The super death tax — the 17% the ATO takes from super left to a non-dependent child, and the recontribution strategy that can cut it. And the handover file your family will need in the first weeks after you're gone.

I retired from practice in 2022, after nearly four decades of having this conversation one client at a time. The set is the full version of it — what I wish every Australian had been handed at 60.

— Steve

Why the set exists

Most people reading this don't have just one of the six worries. They have three or four. Buying them separately stops making sense at that point.

The four individually-available guides come to $1,096 bought one at a time. The two set-exclusive guides — Before Your Super Reaches Your Children and Before You're Gone — bring the full listed value to $1,694.

The complete set is $497.

The two set-only guides aren't sold separately because they only work alongside the others. The super death tax guide assumes you understand how your super is taxed in the first place; the handover file assumes your affairs are already in order. They belong with the rest, not on their own.

The Complete Australian Retirement Guide

All six guides, delivered instantly
Two guides exclusive to the set
Lifetime access · 30-day refund

Today

$497

Get the complete guide — $497

Instant PDF delivery. Secure checkout via Paddle. All major cards accepted.

Who Steve is

Stephen Caldicott is the retired Australian accountant who presents this series. He spent nearly forty years in private practice on Sydney's North Shore — tax, super, the Age Pension, Centrelink, CGT, and ATO audit and review work — for individuals, families, retirees, and small businesses. He retired in 2022 and lives in Wahroonga with his wife, Margaret.

He made these guides because he kept watching the same gaps catch the same kinds of people — overpaying tax, missing entitlements, leaving money with the ATO and Centrelink because nobody had explained the rules.

Steve is a character — the figures and procedures are real and verified; the face and voice are not. He is not a registered tax agent or a licensed financial adviser, and the set is not personal advice. It is general educational information about Australian tax, super, the Age Pension and Centrelink — verified against the ATO and Services Australia for the 2026–27 financial year.

The honest bit

Some of you are wondering whether $497 is a good use of money. Let me be straight about it.

If none of the six worries apply — you don't own a home, you're not near the Age Pension, you have no spouse and no adult children, your super is small — the set isn't for you. Keep your $497.

If one of them applies, the individual guide for that worry is the better buy. $249 or $299 instead of $497.

If three or four apply — which is where most people approaching retirement actually are — the set is the better buy. The maths is straightforward.

This isn't financial advice, and I don't know your situation. Everything here is general information, drawn from nearly forty years in practice and verified against the ATO and Services Australia for the current financial year. For your own decisions, the right next step is a registered tax agent, a licensed financial adviser under an AFSL, Services Australia's free Financial Information Service, or a solicitor for anything to do with your will or estate.

The set doesn't make those calls for you. It tells you which calls to make, what to ask, and what to watch for in the answers.

— Steve

Common questions

How is the set delivered?

Six PDFs sent to your inbox within a few minutes of checkout, through our checkout provider, Paddle. Read them on any device — phone, tablet, computer, e-reader — or print them, which a lot of people do.

Why are two of the guides only in the set?

Before Your Super Reaches Your Children and Before You're Gone are the two most valuable guides, and both depend on the others — the super death tax guide assumes you understand how super is taxed, and the handover file assumes your affairs are in order. They wouldn't work well standalone, so they're only in the set.

Is it current?

Every figure is verified against the ATO and Services Australia for the 2026–27 financial year, and the version date is on the front of each PDF. Rates and thresholds change — the Age Pension is indexed twice a year, and many figures change on 1 July. The structural rules change far less often than the numbers attached to them.

What's the refund policy?

30 days, no questions asked. If the set doesn't give you more than it cost, email the refund address in any PDF and you'll get your $497 back. This is on top of your rights under the Australian Consumer Law.

Is this regulated financial advice?

No. Steve is not a licensed financial adviser or a registered tax agent. The set is general educational information about Australian tax, super, the Age Pension and Centrelink — written from a practitioner's perspective. For decisions about your situation, it points you to the right regulated professional.

A question that isn't here?

Email letters@stephencaldicott.com. I read everything and answer what I can — though I can't give personal advice on your specific situation, for the reasons explained throughout.

The Complete Australian Retirement Guide

Six guides. Two only available here. $497.

The Complete Australian Retirement Guide

All six guides, delivered instantly
Two guides exclusive to the set
Lifetime access · 30-day refund

Today

$497

Get the complete guide — $497

Instant PDF delivery. Secure checkout via Paddle. All major cards accepted.