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Massey Financial Advice

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Massey Financial Advice helps professionals get their financial life sorted. We focus on preparing

19/10/2026

Question:
I turn 67 in November. When can I lodge my Age Pension claim, and what should I have ready?

Answer:
You can lodge up to 13 weeks before you reach Age Pension age, and it is worth using the window: payments are not backdated to your birthday if the claim goes in late. Services Australia asks for identity documents and evidence of income and assets – bank and term deposit balances, super and account-based pension statements, share holdings, any rental income, and a rates notice if you own your home. If you have a partner, both of you are assessed and documented, even if only one is claiming. Once lodged, the claim must be completed within 13 weeks, and any follow-up request for documents must be answered within 14 days or the claim may be rejected. Missing paperwork is the most common cause of delay. If you already receive an eligible payment, Services Australia will write to you about transferring. Start gathering statements now, not on your birthday.

If you would like to find out how long your money might last in combination with Age Pension, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

16/10/2026

🏠 Has an adult child moved back home?

Many families are navigating this situation. The important conversation is not just about board payments. It's about understanding the purpose of the arrangement and making sure your own retirement plans stay on track.

Open conversations today can prevent misunderstandings later. ✅

Read more at https://buff.ly/BgWoifH

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

15/10/2026

10 years of Massey Financial Advice. It's amazing how time flies when you're helping people plan for and enjoy their retirement.

14/10/2026

Question:
My Age Pension went up on 20 September, but not by as much as the headline figure. Why?

Answer:
Two things moved on the same day. The maximum rate rose by $36.80 a fortnight for a single person and $55.60 for a couple combined. This is the largest September increase in three years, because indexation uses whichever is higher of CPI and the Pensioner and Beneficiary Living Cost Index, and this time the living-cost index was well ahead. But the deeming rates rose too, from 1.25 and 3.25 per cent to 1.75 and 3.75 per cent. Deeming is the income Centrelink assumes your financial assets earn, and it feeds into the income test. For a part-pensioner with substantial savings or an account-based pension assessed under the income test, the extra deemed income can offset some or all of the headline increase. If your payment is set by the assets test, the deeming change does not touch you. Which test governs your payment is the first thing to check.

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

12/10/2026

🏡 Want to help your children buy a home?

Before writing a cheque, consider all your options. A gift, a loan or a guarantee can each have very different consequences for your retirement savings, Centrelink benefits and family fairness.

Good intentions deserve good planning. ✅

Read more at https://buff.ly/BgWoifH

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

09/10/2026

Question:
My super now lands every fortnight instead of quarterly. Does that change anything for me?

Answer:
Yes, in two useful ways.

Since 1 July 2026 employers must pay the superannuation guarantee with each pay cycle so it reaches your fund within seven business days, rather than by the 28th day after each quarter.

The first change is visibility: a contribution that fails to arrive is now obvious within weeks rather than months, so it is worth checking that each pay slip's super figure matches what lands in the fund.

The second is timing against the concessional cap.

Contributions count in the year the fund receives them, and under the old rules the last quarter's super often arrived in July and counted against the following year; now the whole year's contributions land in-year.

If you salary sacrifice close to the $32,500 cap, a setting that was safe last year may sit closer to the line this year.

If you'd like to work on a retirement plan, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

07/10/2026

💡 Retirement brings a whole new set of tax considerations.

Many retirees assume their pension payments will appear on their tax return, but that's not always the case. Understanding how super income, Age Pension payments and capital gains work together can help avoid costly mistakes.

A little planning today could save a lot of tax tomorrow. ✅

Read more at https://buff.ly/BgWoifH

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

05/10/2026

Question:
I'm retired and my only income is my super pension. Do I still need to lodge a tax return by 31 October?

Answer:
Possibly not.

Income-stream payments from a taxed super fund are tax-free once you are 60 and do not count towards the test, so if the rest of your income - interest, dividends, rent, part-time wages - is under the $18,200 tax-free threshold and no tax has been withheld from it, you generally do not need to lodge.

You should still tell the ATO, by submitting a non-lodgment advice through your myGov account, so the reminders stop.

There are exceptions: any tax withheld means a return is needed to get it back, and if you are entitled to a refund of franking credits you either lodge a return or use the ATO's separate refund application, which many eligible retirees now receive automatically.

If you use a tax agent, the 31 October deadline usually extends.

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

02/10/2026

📋 Running an SMSF can provide flexibility and control, but there may come a time when the workload outweighs the benefits.

This article looks at when it may be appropriate to simplify an SMSF, continue it, or wind it up altogether.

Making the right decision can save time, money and stress for you and your family.

Read more at https://buff.ly/V35jLIl

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

30/09/2026

Question:
My super fund keeps writing to me about its "retirement income strategy". What is that, and do I have to do anything?

Answer:
Since July 2022, APRA-regulated super funds have been required by law to have a strategy for helping members who are retired or approaching retirement - covering how members might turn savings into income, manage the risk of outliving their money, and keep flexible access to capital.

Funds must publish a summary of that strategy and review it regularly, and the letters are most likely part of the fund explaining the retirement help and products it offers.

A general communication of that kind does not, by itself, mean you need to change anything or take up anything it describes.

It is worth reading for one reason: it tells you what your fund can and cannot do once you retire, which is useful background before you decide, with your adviser, how your own retirement income should be structured.

If this applies to you, book a free initial call https://buff.ly/3RaGqS4

This information is for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into consideration in the preparation of the content. You should always obtain professional advice to ensure products and strategies are suitable for your circumstances.

Address

Level 1, Highpoint, 240 Waterworks Road
Brisbane, QLD
4060

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61731024948

Website

http://www.masseyfinancialadvice.com.au/

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