Stephen Caldicott
Australian tax & retirement — plain English

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Disclaimer

Last updated: 4 June 2026

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General information only — not advice

The content is general in nature. It does not take into account your personal objectives, financial situation or needs. It is not personal financial product advice within the meaning of the Corporations Act 2001 (Cth), and we do not hold, and are not authorised under, an Australian Financial Services Licence. We do not recommend any specific financial product — including any superannuation fund, investment, share, managed fund, insurance or annuity.

The content is also not a tax agent service within the meaning of the Tax Agent Services Act 2009 (Cth). We are not a registered tax agent, and nothing here is advice about your particular tax affairs. It is not legal advice.

Get your own advice

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Figures change

Tax laws, Centrelink rules and superannuation thresholds change frequently — the Age Pension and many thresholds are adjusted at least twice a year, and other figures change on 1 July. Figures stated were believed accurate as at the dates noted. Always confirm current figures with the ATO (ato.gov.au) and Services Australia (servicesaustralia.gov.au) before acting. No outcome is guaranteed; the ATO and other authorities may take a different view of any position.

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About the presenter

Stephen Caldicott is a fictional presenter — a character, not a real person, and not an accountant, registered tax agent or licensed financial adviser. The name, face and voice are a creation. What's real is the information: every figure, rule and procedure is checked against the ATO and Services Australia. Because Stephen is not a qualified adviser and does not know your circumstances, none of this is personal advice.

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