Financial Planning
Insights & Advice

What happens if my partner works will it affect my pension? Learn how your partner’s income and assets impact your Age Pension and how to manage it smartly.

How do I apply for the Age Pension through Services Australia? Learn the step-by-step process, eligibility rules, and what documents you need for a smooth application.

Yes, you can work part-time and still receive the Age Pension in Australia. Not only is it allowed, the government actively encourages it through the Work Bonus scheme. A single pensioner can earn up to $518 per fortnight in employment income before the pension starts reducing at all ($300 Work Bonus exemption plus $218 income free area). Above that, the pension reduces at 50 cents per dollar. Working part-time does not disqualify you from the pension. It simply affects how much you receive.

This guide covers exactly how the Work Bonus, income test, and Work Bonus bank all interact for pensioners who choose to keep working. All figures are current as at 20 March 2026 from Services Australia.

What age can I get the Age Pension in Australia? Find out when you qualify, how much you’ll receive, and how super and work affect your pension eligibility.

What’s the best super fund for retirees in Australia? Discover how to compare performance, fees, and pension options to find the right fund for your retirement.

Should you use an estate planner or a financial adviser for retirement? For most Australians approaching retirement, the honest answer is both. They cover different ground, and treating them as an either/or usually leaves gaps that only surface later, often after a death, a divorce, or a health event when it is too late to fix cleanly.

The short version: a financial adviser (also called a financial planner) helps you build, manage, and draw down wealth while you are alive. An estate planner, usually a solicitor, handles what happens to that wealth when you are not. They are not competing services. For anyone with super, property, or a family situation that is even slightly complex, both matter, and ideally they are aware of each other’s work.

Here is how they differ, where they overlap, and what to prioritise at each stage.