Maximising Your Centrelink Benefits

Australians entitled to Centrelink often miss out on payments—or accept avoidable reductions—because the rules are notoriously complex. As a dedicated Centrelink financial advisor, Roccaforte translates the legislation into plain English, shows you where you qualify, and guides you step-by-step through every form and assessment. We Provide:

  • Centrelink financial advice on Age Pension, Disability Support Pension, Carer Payment, and low-income supplements.
  • Insights on deeming rates, income tests, and asset thresholds so you can structure finances strategically.
  • Guidance on Centrelink financial advice for retirement, including how superannuation withdrawals, account-based pensions, and downsizer contributions affect entitlements.

Why Choose Roccaforte for Centrelink Advice in Castle Hill

  • Local expertise, national standards. Based in Castle Hill, we understand Sydney’s property values and living costs while applying nationwide Centrelink policy.
  • Specialist focus. Our financial advisor superannuation expertise centres on coordinating contributions, asset allocation inside super, insurance settings, and the transition to retirement income streams.
  • Holistic outlook. Tax, super, aged-care fees, estate planning, and Centrelink work together. We model scenarios so you can see the full picture before you act.
  • Transparent fees. Your first meeting is complimentary. Ongoing costs are quoted upfront and fixed.
  • Regular reviews. Legislation changes; so do your circumstances. Scheduled check-ins ensure your benefits remain optimised.
Book Consultation Call Now

Our process (simple and transparent)

  1. Free 15‑minute consultation. We discuss your goals, balances across funds, investment posture, and income. If you’re far from Castle Hill, we still provide Centrelink advice across Australia via video.
  2. Your Centrelink financial advisor designs options to maximise payments and minimise means-test impacts.
  3. Implementation & check‑ins. Assistance completing Centrelink forms, lodging evidence, and liaising with Services Australia, followed by regular check-ins as required.

Who we help

  • Pre‑retirees (55–65) – map income streams and assets so you qualify for Age Pension as early—and fully—as possible, while preserving tax efficiency.
  • Retirees relying on the Age Pension – monitor deeming rates and asset valuations, adjusting strategy to maximise fortnightly payments and avoid overpayment debts.
  • Carers and parents managing disability entitlements – secure Carer Payment/Allowance or DSP, handle supporting evidence, and stay compliant with ongoing reporting.
  • Low-income households seeking supplements – identify and apply for Energy Supplement, Rent Assistance, and Low Income Health Card to stretch every dollar further.
  • Self-funded retirees balancing investments with Centrelink thresholds – structure account-based pensions and investment portfolios to retain (or regain) part-pension benefits without sacrificing growth.
Book Consultation Call Now

Hear from our clients

Frequently Asked Questions

What does a Centrelink financial advisor do?

Clarifies eligibility, models income/asset tests and deeming, structures finances to maximise legitimate entitlements, and assists with applications and evidence.

Which Centrelink payments can you advise on?

Age Pension, Disability Support Pension, Carer Payment/Allowance, Low Income Health Care Card, Rent Assistance, and related supplements/allowances.

How do deeming rates affect my payments?

Centrelink assumes a set return on financial assets (deeming). Your actual return doesn’t matter; the deemed income flows through the income test and can change your rate.

Do I have to sell my home to qualify for Age Pension?

No. The principal residence is generally exempt from the assets test. However, other assets and your (and your partner’s) income still affect eligibility.

Can I gift money to reduce my assets for Centrelink?

Gifting is tightly limited. Amounts above the allowable thresholds are treated as deprived assets for a period and can reduce your payment.

How do downsizer contributions to super interact with Centrelink?

They can improve retirement liquidity and tax, but increased super/pension balances may affect means testing. We model outcomes before you act.

I’m a self-funded retiree, can I still get a part-pension?

Possibly. With asset/income changes (market moves, valuations, drawdowns), part-pension may become available. Strategy and timing matter.

What documents will I need for a claim or review?

Identification, asset/liability statements, financial account records, super/pension details, income evidence, rent/home ownership details, and any medical or carer evidence.

How often should my Centrelink position be reviewed?

At least annually, and on life events (inheritance, property sale, starting/stopping work) or legislative changes to thresholds/deeming.

What if Centrelink says I’ve been overpaid?

You can request a review or appeal and arrange repayments. We help check calculations, prepare submissions, and structure cash flow.

Can employment or casual work reduce my payment?

Yes. Income affects means testing, though some work-bonus concessions may apply for Age Pensioners. We quantify trade-offs before you accept hours.

Do you provide Centrelink financial advice near me outside Castle Hill?

Yes; face-to-face in Castle Hill and secure phone/video for clients across Sydney and Australia.

Book a Consultation

Click on the link below to arrange a complimentary initial consultation.

Book Consultation Call (02) 9894 1844

Contact Us

Send us a message using the form to the right, or get in touch with us via any of the methods below.

Book Consultation

(02) 9894 1844

michael@roccaforte.com.au

5 / 15 Terminus St Castle Hill NSW 2154
Get Directions

Opening Hours
9:00am–5:00pm, Monday to Friday

Enquire Online