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Age pension, Government benefits, Pre-retirees, Retirees

How to link Centrelink to MyGov online by using a digital identity

This article is particularly for people claiming the Commonwealth Seniors Health Card now that the income threshold has been lifted. It is estimated an additional 50,000 Australians will now be eligible. It is likely these 50,000 Australians would have no previous relationship with Centrelink so will need to establish a CRN and prove their identity.

Age pension, Budgeting, Government benefits, Lifestyle, Pre-retirees, Retirees

The Centrelink Application game

If you’re about to apply for a Centrelink benefit such as the age pension or Commonwealth Senior Health Care Card, you’re going to play a game called Centrelink Snakes and Ladders… The purpose of this is to suggest some tips to finding more ladders and fewer snakes. The difficulty with a Centrelink application tutorial is that everyone's experience in applying for a benefit is different and subject to so many personal variables, let alone the complexities of the system itself. There’s a reason why so many clients prefer to simply pay us to help them with the system barriers, jargon, enormous time delays and hair pulling stress that can be avoided!

Budgeting, Investment markets, Lifestyle, Pre-retirees, Retirees

Ramifications of recent interest rate rises

The RBA increased rates by a further 0.25% on 1 November 2022, thereby, taking the cash rate to 2.85%. It has increased rates by 2.75% since May this year, from the historical low of 0.10%. However, it is signalling there may be further rate increases ahead.

Age pension, Budgeting, Government benefits, Investment markets, Lifestyle, Pre-retirees, Retirees

The mini Budget that’s hard to see

It’s tough coming up with some interesting and witty dialogue for this year’s mini federal budget, when it’s exactly that, mini. There are not a lot of maximums on offer for any demographic, although the growing spending on NDIS and Defence are certainly not ‘mini’. Parents may benefit from increased spending in Childcare and more self funded retirees will be able to get the Commonwealth Seniors Health Care Card, thanks to increased income test thresholds (now legislated on Oct 28th, 2022).

Age pension, Aged care, Budgeting, Government benefits, Insurance, Investment markets, Lifestyle, Pre-retirees, Retirees

Financial Planning Week 2022

Financial Planning Week is an opportunity each year for the community to understand a little more about what a professional financial planner does, and what benefits they can provide. Here at Goldsborough, we have a 30-year history of providing quality advice, service and support to many thousands of clients over that journey. Many have been clients for well over 10 years for some of the reasons that recent research(1) conducted by the Financial Planning Association confirmed.

Investment markets, Lifestyle, Pre-retirees, Retirees

Creating wealth between generations

Recently I wrote about how parents can help their adult children buy property. Continuing the theme of parents helping adult children, I wanted to explore an example of how a financially well-established 70-year-old couple provided financial assistance to their (also well-established) 30-something daughter.

Investment markets, Lifestyle, Pre-retirees, Retirees

Tips for investing in a volatile market

During times of volatility, some investors can be spooked and question their long-term investment strategies. Some, may find the worry too much and feel the best thing to do is pull out of the market entirely and wait on the sidelines until they feel safe to move back in. Often the emotive decision, ends up being the wrong move long-term. With any market fall, it’s human nature that the experience of a loss is more acutely felt than the joy of a gain (‘loss aversion’). A degree of volatility in the market will always be a constant; therefore, it is important for investors to keep perspective and be disciplined in their investment approaches. Below is an outline of the long-term fundamentals to bear in mind.

Age pension, Government benefits, Lifestyle, Retirees

What is a Customer Reference Number … and How do I get one?

A Customer Reference Number (CRN) is 9 numbers and ends with a letter. It is given to you by Centrelink to identify your Centrelink record.

Budgeting, Lifestyle, Pre-retirees, Retirees

Changing Careers before Retirement

Once thought of as an ‘end goal,’ retirement for many Australians now represents a new beginning – a time to learn, grow and explore. Life expectancies are on the rise and medical advances have improved our general health, giving people more time to thrive in their later years. Another game changer has been our superannuation system, which turns 30 this year. With three-decades worth of superannuation savings, many Australians aged in their 50s and 60s have accumulated meaningful amounts of money in super.

Lifestyle, Pre-retirees, Retirees

How to access your Superannuation details via myGov

For advisers, having accurate information is vital to providing good advice. Your adviser may ask you to provide details of any previous super contributions you’ve made, before they can make any recommendations to add more. The easiest way to find this information out is through the ATO service on your myGov portal. You can usually gain access to this information in a few quick steps.

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Latest insights

27 February 2026

Aged Care Higher Everyday Living Fee explained

Matthew Kelly

The Higher Everyday Living Fee (HELF) has replaced the Extra Service Fee and Additional Service Fee as part of the new aged care rules which came into effect on 1 November 2025. The intent is to provide protection to residents purchasing additional services with their residential aged care.

21 January 2026

Will Retirement Savings Still Matter in 20 Years? Let’s Talk About It.

Michelle Sanchez

Every now and then a headline pops up that makes people stop, look twice, and wonder what on earth the future might hold. Elon Musk’s recent claim that retirement savings won’t matter in 20 years definitely falls into that category. It’s bold, it’s dramatic, and it certainly gets people talking. And it’s also very easy for a multi-billionaire to say!

10 December 2025

Will you pay more tax next year?

Will Chapman

If you or someone you know is going through a significant workplace change such as a merger or corporate change, call us. The highest profile change locally is the Adelaide Uni merger and there are plenty of others on the go.