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The Rising Cost of Retirement: Why Planning Matters More Than Ever

By: Peter Kelly on 18 September 2025

Retirement is meant to be a time of freedom, relaxation, and enjoyment after years of hard work. But for many Australians, the cost of maintaining even a modest lifestyle in ...
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Centrelink Deeming Rates Are Changing: What It Means for Your Pension

By: Peter Kelly on 01 September 2025

From 20 September 2025, the Australian Government will increase the deeming rates used to calculate income from financial assets for Centrelink and DVA income support payments. ...
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Downsizing Danger: How Unlocking Home Equity Could Cost You Your Age Pension

By: Peter Kelly on 06 August 2025

For many older Australians, the family home is their most valuable asset. As retirement progresses and the kids move out, downsizing to a smaller, more manageable property can ...
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Boost Your Future: The Benefits of Extra Super Contributions

By: Peter Kelly on 12 March 2025

Superannuation, or 'super', is a way of saving for retirement in Australia. While your employer is required to make contributions to your super, adding a bit more yourself can ...
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When is the best time to retire?

By: Peter Kelly on 21 March 2024

Retirement – a phase many of us daydream about.
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Should It Be This Difficult?

By: Peter Kelly on 08 December 2023

Over recent weeks, I have been attempting to help some family members apply for the age pension. One family member is 91, and the other will turn 90 shortly.
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What is...the work bonus?

By: Peter Kelly on 24 November 2022

The Australian age pension is not a universal pension scheme. By that, I mean it is not freely available to everybody.
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Having your cake, and eating it too

By: Peter Kelly on 09 December 2021

For many, retirement is that time in life when thoughts turn to enjoying life without the drag of having to go to work to keep food on the table. As my dear colleague, Mark Teale ...
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Show me the money!

By: Peter Kelly on 01 September 2021

Regular readers of this blog will recall we have spoken about the ASFA[1] Retirement Standard in the past.
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What is a Granny Flat?

By: Mark Teale on 30 June 2021

When we think of a granny flat the first image that comes to mind is a small self-contained structure that is an extension of a person’s home. It is large enough for one or two ...
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Peter-Kelly

About Us

Peter Kelly

PK believes people have the right to accurate, affordable and unbiased information that addresses all aspects of their preferred retirement lifestyle, thereby giving them the opportunity to make informed decisions that will empower them to live out their lives with dignity, certainty and security.

 

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Copyright © 2021 Realise Your Dream
 
This is a publication of Alliance Wealth Pty Limited (AFSL 449221) and Professional Investment Services Pty Ltd (AFSL 234951), wholly owned subsidiaries of Centrepoint Alliance Ltd.

General Advice Warning
The information contained in this article is of a generally nature and does not take into account your particular objectives, financial situation or needs. You should therefore consider the appropriateness of the advice for your situation before acting on it. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decisions regarding any products or strategies mentioned in this publication.

Disclaimer
While all care has been taken in the preparation of this blog, to the maximum extent permitted by law, no warranty is given in respect of the information provided and accordingly, neither Centrepoint Alliance Limited nor its related bodies corporate, employees or agents shall be liable for any loss suffered arising from reliance on this information.