Category: Retirement

Financial Planning
Insights & Advice

Expert insights, practical strategies, and market updates to help you make informed financial decisions for your future.

$1 Million Enough to Retire

Is $1 Million Enough to Retire in Australia in 2026? Full Breakdown

The short answer? For most homeowners, yes, and with more room than the headlines suggest. On reasonable assumptions, a homeowning couple retiring at 67 with $1 million can spend at ASFA’s full comfortable standard of $78,998 a year and see the money last to around age 100. A single homeowner at the comfortable standard of $56,166 a year holds up even longer. Renters, early retirees and anyone planning a $100,000-a-year lifestyle face a harder equation, which we cover below.

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Can I still work part-time and receive the Age Pension? Yes — learn how the Work Bonus, income test, and limits work so you can earn without losing benefits.

Can I Still Work Part-Time and Receive the Age Pension? (2026 Guide)

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.

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How can I increase my super before retirement?

Should I Use an Estate Planner or Financial Adviser for Retirement? (2026 Guide)

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.

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