The 2026–27 editions — every figure checked against the ATO and Services Australia

THE COMPLETE AUSTRALIAN RETIREMENT GUIDE · 2026–27 FINANCIAL YEAR

The Complete Australian Retirement Guide

Six guides on the Age Pension, super, the family home, and the tax most families never see coming. Two of the six are only available in the set — including the handover file your family will need when you're gone.

The Complete Australian Retirement Guide

All six guides, delivered instantly
Two guides exclusive to the set
Yours to keep · 30-day refund

Today

$497

Get the complete guide — $497

Instant PDF delivery. Secure checkout via Payhip. All major cards accepted.

The six guides

Four available individually. Two only available as part of the set.

Before Your Super Reaches Your Children

Australia's de facto inheritance tax — the 17% most families never see.

In the set only

Before You're Gone

The handover file your spouse, children, and executor will actually need.

In the set only

Before You Claim the Age Pension

The two tests that decide your payment — and the levers that change it.

$249 · or in the set

Before You Sell the Family Home

CGT, the six-year rule, downsizing, and how Centrelink values your home.

$249 · or in the set

Before You Lose Your Husband or Wife

The reassessment that can shrink a survivor's pension twice over.

$299 · or in the set

Before You Help Your Kids With Money

Gifting limits, the loan-vs-gift trap, guarantees, and granny-flat rules.

$299 · or in the set

The two set-only guides are the most valuable in the collection — and they only work alongside the others. They're not sold separately on purpose.

If you've read the free guide, you already know what kind of book this is.

The free guide named ten things the Australian system owes retirees and almost never pays out on its own. The Seniors and Pensioners Tax Offset. The Commonwealth Seniors Health Card. The Work Bonus. The six-year rule on the family home.

Those ten items are the surface. Anyone who qualifies can claim them in an afternoon of phone calls.

The set underneath is six guides covering the rest. What the Age Pension actually pays, and the assets-test taper that quietly shrinks it. The family home — CGT, the six-year rule, downsizing, and how Centrelink values it. The reassessment that hits a surviving spouse. Helping adult children without losing your own pension to a gift, a loan, or their divorce. The super death tax — the 17% the ATO takes from super left to a non-dependent child, and the recontribution strategy that can cut it. And the handover file your family will need in the first weeks after you're gone.

The set is the full version: the rules written down step by step, with the questions to take to the right professional.

— Andrew

Why the set exists

If you have more than one of the six worries, buying them separately stops making sense.

The four guides sold on their own come to $1,096 bought one at a time. The set includes those four, plus the two guides you can't buy separately — Before Your Super Reaches Your Children and Before You're Gone.

The complete set is $497.

The two set-only guides aren't sold separately because they only work alongside the others. The super death tax guide assumes you understand how your super is taxed in the first place; the handover file assumes your affairs are already in order. They belong with the rest, not on their own.

The Complete Australian Retirement Guide

All six guides, delivered instantly
Two guides exclusive to the set
Yours to keep · 30-day refund

Today

$497

Get the complete guide — $497

Instant PDF delivery. Secure checkout via Payhip. All major cards accepted.

Who Andrew is

Andrew Coburn presents a YouTube channel that explains Australian tax, super, the Age Pension and Centrelink in plain English.

He is not a registered tax agent or a licensed financial adviser, and the set is not personal advice. It is general educational information about Australian tax, super, the Age Pension and Centrelink, with every figure checked against the ATO and Services Australia.

The honest bit

Some of you are wondering whether $497 is a good use of money. Let me be straight about it.

If none of the six worries apply — you don't own a home, you're not near the Age Pension, you have no spouse and no adult children, your super is small — the set isn't for you. Keep your $497.

If one of them applies, the individual guide for that worry is the better buy. $249 or $299 instead of $497.

If three or four apply the set is the better buy. The maths is straightforward.

This isn't financial advice, and I don't know your situation. Everything here is general information, checked against the ATO and Services Australia for the current financial year. For your own decisions, the right next step is a registered tax agent, a licensed financial adviser under an AFSL, Services Australia's free Financial Information Service, or a solicitor for anything to do with your will or estate.

The set doesn't make those calls for you. It tells you which calls to make, what to ask, and what to watch for in the answers.

— Andrew

Common questions

How is the set delivered?

Six PDFs sent to your inbox within a few minutes of checkout, through our checkout provider, Payhip. Read them on any device — phone, tablet, computer, e-reader — or print them.

Why are two of the guides only in the set?

Before Your Super Reaches Your Children and Before You're Gone are the two most valuable guides, and both depend on the others — the super death tax guide assumes you understand how super is taxed, and the handover file assumes your affairs are in order. They wouldn't work well standalone, so they're only in the set.

Is it current?

Every figure is verified against the ATO and Services Australia for the 2026–27 financial year, and the version date is on the front of each PDF. Rates and thresholds change — the Age Pension is indexed twice a year, and many figures change on 1 July. The structural rules change far less often than the numbers attached to them.

What's the refund policy?

30 days, no questions asked. If the set doesn't give you more than it cost, email [email protected] and you'll get your $497 back. This is on top of your rights under the Australian Consumer Law.

Is this regulated financial advice?

No. Andrew is not a licensed financial adviser or a registered tax agent. The set is general educational information about Australian tax, super, the Age Pension and Centrelink. For decisions about your situation, it points you to the right regulated professional.

A question that isn't here?

Email [email protected]. We read everything and answer what we can — though we can't give personal advice on your specific situation, for the reasons explained throughout.

The Complete Australian Retirement Guide

Six guides. Two only available here. $497.

The Complete Australian Retirement Guide

All six guides, delivered instantly
Two guides exclusive to the set
Yours to keep · 30-day refund

Today

$497

Get the complete guide — $497

Instant PDF delivery. Secure checkout via Payhip. All major cards accepted.