Category: Retirement


The “New” Government Pensions Loans Scheme – Do I Need Extra Income?

I wrote about the Pension Loans Scheme (PLS) a few years ago, but I thought it would be worthwhile to revisit the Scheme, how it operates, how it can assist either long…

Property Retirement

How an Australian mortgage trust could help meet your retirement income needs

Economists and historians will no doubt hark back to 2020 as not just the year of Covid-19 but of higher unemployment and ultra-low interest rates, of stockmarket upheaval and Australia’s…

General Insights Retirement

‘Surprising and disappointing’ lack of innovation in retirement products

Despite an ageing population, the “surprising and disappointing” lack of retirement product information is holding members back, an industry expert has revealed. In a media briefing, Zenith Investment Partners chief…

Economics Financial Planning Retirement

Aged care increases announced, but are they enough?

The government has announced more than $17 billion in assistance to the underfunded aged care sector over five years. Treasurer Josh Frydenberg has announced that his government will increase aged…

Budgeting Financial Planning Retirement Superannuation & SMSF

Budget 2021: Super changes explained

Josh Frydenberg’s latest federal budget foresees a number of important changes to Australia’s superannuation system. While some of the big super changes included in the 2021 budget are specifically targeted…

Budgeting Financial Planning Investment Retirement Superannuation & SMSF

Aged care, super and tax cuts: Experts react to the 2021 budget

The 2021 Federal Budget was unveiled last night, and — as expected — is focused on creating jobs, rebuilding the economy through investment and guaranteeing essential services. Despite fairly significant…

Financial Planning Retirement

Majority of Australians worry about their retirement

The majority of Australians believe in raising the aged pension as well as lifting the rate of superannuation to 12 per cent as they worry about having enough in retirement,…

Financial Planning Retirement

Age Pension Income Test and Assets Test – what is the relationship?

I am often asked how the Age Pension Income Test and Assets Test inter-relate with each other when a person’s age pension entitlement is determined? The simple answer is that both tests…

Financial Planning Retirement

Centrelink Age Pension eligibility

Income Test and Assets Test – what is the relationship? We are often asked how the Age Pension Income Test and Assets Test inter-relate with each other when a person’s age pension…

Financial Planning Retirement

Retirement time bomb requires complex thinking

The majority of Australia’s super assets now sit in the hands of retirees and pre-retirees, but many require more nuanced investment strategies to achieve the lifestyle they want in retirement,…

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Zac Zacharia (Managing Director) has been assisting clients to create wealth and secure their futures for over 14 years.

He is also an accomplished presenter and educator

Co-authoring the popular investment book, Property vs Shares.