Page 1 - Wealth-Adviser-Issue-123 (FWP)

ISSUE 123 OCTOBER 2025

CONQUERING THE MAZE

A PRACTICAL GUIDE TO NAVIGATING

RETIREMENT CONCESSIONS depositphotos.com

AND ENTITLEMENTS

BY WEALTH ADVISER

The Challenge for Retirees
Every year, thousands of Australians nearing or in retirement confront the same frustrat-
INSIDE ing bureaucracy: a complex and often confusing patchwork of federal and state concession

1 Conquering the Maze: A schemes designed to ease the cost of living—but difficult to find, claim, or renew. As noted
Practical Guide to Navigating in Firstlinks’ A National Guide to Concession Entitlements (2025), even well-educated
Retirement Concessions and retirees routinely describe the process as “relentless.” They face multiple agencies—Services
Entitlements
Australia, Veterans’ Affairs, Medicare, and local governments—all with their own forms,
4 The Evolving Role of Bonds: renewal cycles, and fine print. For many, the challenge is not whether these benefits exist,
Balancing Risk and Return in but how to actually access them before fatigue and confusion take hold.
Modern Portfolios
Yet with persistence and clearer guidance, the available benefits can make a meaningful
7 Superannuation Withdrawals difference. Cost-of-living pressures are biting hard in 2025: electricity, transport, and medi-
Demystified: How and When to cation are taking a larger share of retirees’ budgets. A well-planned approach to government
Access Your Retirement Savings
concessions can generate hundreds, sometimes thousands, of dollars a year in savings—
10 Q&A: Ask a Question enough to relieve real financial stress.

BEFORE YOU GET STARTED
This Wealth Adviser publication is published by Wealth Today Pty Ltd Information in this document is no substitute for professional financial
(AFSL 340289), Sentry Advice Pty Ltd (AFSL 227748), Synchron Advice advice.
Pty Ltd (AFSL 243313) and Millennium3 Financial Services Pty Ltd (AFSL We encourage you to seek professional financial advice before making any
244252) and contains general and factual information only. investment or financial decisions.
Before acting on any information contained herein you should consider if In any circumstance, before investing in any financial product you should
it is suitable for you. You should also consider consulting a suitably qualified obtain and read a Product Disclosure Statement and consider whether it is
financial, tax and/or legal adviser. appropriate for your objectives, situation and needs.