Centrelink & Age Pension · Pakenham
The Age Pension, handled for you.
Whether you're applying for the first time or already receiving it, we help you understand the rules, claim what you're entitled to, and deal with Centrelink — so it's one less thing to manage.
Sound familiar?
The Age Pension questions we hear most
Every situation is different — these are the worries people most often arrive with.
“Will I even qualify?”
Many people assume they earn or own too much. The rules are often more generous — and more complex — than expected.
“The forms are overwhelming”
The paperwork, the evidence, the follow-up calls. We take all of it on for you.
“How will this affect my pension?”
Downsizing, a gift to the kids, an inheritance, a change to your super — almost everything touches your entitlement. We look before you leap.
“Am I missing what I'm entitled to?”
Concession cards, supplements, allowances — it's easy to leave something on the table without ever knowing.
“Dealing with Centrelink wears me out”
The phone queues, the letters, the periodic reviews. With your authority, we can deal with them on your behalf.
“My situation's complicated”
A younger partner, some part-time work, an account-based pension, a pension from overseas — the trickier it is, the more we can help.
What we do
How we help with Centrelink & the Age Pension
Check where you stand
A clear read on your likely entitlement under the income and assets tests — in plain english.
Handle the application
We complete the forms, gather the evidence, and lodge it properly the first time.
Deal with Centrelink for you
With your authority in place, we can liaise with Services Australia on your behalf — so you don't have to.
Plan around the rules
Before you downsize, gift, or invest, we show how it could affect your pension — so there are no surprises.
Keep it up to date
When your circumstances change, we update Centrelink and re-check your entitlement.
Fit it into the big picture
Your Age Pension is one piece — we coordinate it with your income, your super and your tax.
We link to Services Australia for your convenience. It opens in a new tab, and we're not responsible for the content of external websites.
How we work
Simple, and at your pace
A no-obligation chat
A no-obligation phone chat to understand your situation. We'll quote any fees up front, so there are no surprises.
We map out your entitlement
If we're a fit, we set out where you stand and what to do — in plain english, in writing, with the reasons why.
We lodge, liaise & keep it current
We handle the application, deal with Centrelink for you, and review your entitlement as life changes.
Often connected
Decisions that touch your pension
The Age Pension rarely sits on its own. These are the moments where getting it right together really matters.
Good questions
Centrelink & Age Pension FAQs
Can you really deal with Centrelink for me?
Yes. With the right authority in place, we can liaise with Services Australia on your behalf — the forms, the evidence and the periodic reviews — so you're not stuck in the phone queue.
I've been told I'm not eligible. Is it worth checking again?
Often, yes. Entitlement depends on the income and assets tests, and how things are arranged can make a real difference. It's usually worth a proper look — even a part pension can bring valuable concession cards.
Will downsizing, gifting or an inheritance affect my Age Pension?
They can — sometimes significantly. The rules are specific, so it's worth understanding the impact before you act rather than after. That's exactly the kind of thing we model with you.
Do I need to be retired already?
No. Some of the best outcomes come from planning in the years before you claim. We help both before and throughout retirement.
Is this financial advice?
This page is general information only. Personal advice — recommendations for your specific circumstances — is provided separately and in writing. The chat is a no-obligation conversation, not personal advice.
Let's see what you're entitled to
Book a complimentary, no-obligation 15-minute phone chat. We'll talk through your situation, what you might be entitled to, and how we can help — and we'll quote any fees up front, so you know exactly where you stand. (It's general information, not personal advice.)
Book your chatOr call us on (03) 5941 5955 · Mon–Thu, 8:30am–5:00pm
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Mary and Aiza are amazing with fantastic financial guidance, thanks to them I’m living my best life,
Thank you very much
Outstanding support and guidance
Mary from Plan4Wealth went above and beyond to help me understand exactly what I should be doing and why. She explained everything clearly and made the entire process easy to follow. I truly felt supported and informed every step of the way. Highly recommend Mary at Plan4Wealth to anyone looking for trusted financial guidance!
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We have complete faith in their level of expertise and ability in this field and would have no hesitation whatsoever in recommending them as the go to professional and sound advisory consultancy.
Michael and Glenda Milligan
Very professional.
Very understanding.
Very clear with the direction given.
Great guidance and assistance, and lovely to chat with and have already put the wheels in motion for stage 1 of our plans
Highly recommend
Mary is skilled as a financial planner and has a good way with people.
Cathy Lizza is the person in the plan for wealth team, who handles insurances. Likewise, I can say that Cathy is very skilled having worked in this area for 20+ years and is a nice person with efficiency.
Aiza is the face of the business. You will speak with her when you phone.
again a person who is good at her job and efficient.
I am happy to recommend Mary, Cathy and Aiza
I found her very friendly and helpful and more importantly easy to understand.
I have no hesitation in recommending Plan4wealth and will be returning to use their services in the future.
