THE COMPLETE AUSTRALIAN RETIREMENT GUIDE · 2026–27 FINANCIAL YEAR

Six things every retiring Australian needs to know.

Six plain-English guides on the Age Pension, your super, the family home, and the tax most families never see coming — every figure checked against the ATO and Services Australia.

Each guide solves one thing. Two are only available in the complete set.

Before You Claim the Age Pension

Most retirees never learn what the Age Pension actually pays — or the taper trap that quietly shrinks it.

Before You Sell the Family Home

Your home is the last big asset the ATO can't tax. Sell it or rent it out wrong and that changes.

Before You Lose Your Husband or Wife

When one of you dies, the survivor's pension is reassessed — and it can shrink twice.

Before You Help Your Kids With Money

Help your kids the wrong way and Centrelink cuts your pension — or their divorce takes it.

Before Your Super Reaches Your Children

Only in the set

Australia's de facto inheritance tax: up to 17% of your super, gone to the ATO. Most families never see it coming.

Before You're Gone

Only in the set

When you die, your family faces weeks of paperwork they have never seen. One file prevents it.

Who is Steve?

Stephen Caldicott is the retired Australian accountant who presents this guide series. He spent nearly forty years in private practice on Sydney's North Shore, working with individuals, families, retirees, and small businesses on tax, super, the Age Pension, Centrelink, CGT, and ATO matters. He retired in 2022.

He made these guides because he kept watching the same gaps catch the same kinds of people — retirees overpaying tax, missing entitlements, getting caught out by rules nobody ever explained. He wrote them in plain English, verified every figure against the ATO and Services Australia, and made the two most important ones — the super death tax guide, and the handover pack for your family — available only in the complete set.

Steve is a character. The content, the figures, and the procedures are real and verified. The face and voice are not. Steve is not a registered tax agent or a licensed financial adviser, and none of this is personal advice — for your own situation, the guides point you to the right professional to ask.

NOT READY YET?

Start with the free guide.

10 things Australian retirees are owed — that almost nobody claims. A short PDF, current for the 2026–27 financial year, verified against the ATO and Services Australia.

Get the free guide →