The 2026–27 editions — every figure checked against the ATO and Services Australia  See the complete set →
Andrew Coburn
Australian tax & retirement — plain English
GUIDE 04 · 2026–27 FINANCIAL YEAR

Before You Help Your Kids With Money

Help your kids the wrong way and Centrelink cuts your pension — or their divorce takes it. Done right, neither.

Before You Help Your Kids With Money

Before You Help Your Kids With Money

  • Plain-English PDF, delivered instantly
  • Worked examples with real figures, current for 2026–27
  • 30-day refund policy

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Helping your children with money is one of the most natural things in the world, and one of the easiest to get expensively wrong. Centrelink's gifting rules let you give away only $10,000 a year, and no more than $30,000 over five years, before the excess is still counted as your asset for five years — deeming income and all.

Then there's the trap most families never see: a gift to a child can end up split with their ex in a divorce, while a properly documented loan doesn't. Going guarantor can put your own home at risk. And granny-flat arrangements have their own reasonableness test and a five-year shadow.

This guide is about helping your family in the ways that hold up — to Centrelink, to the ATO, and to a family-law court.

— Andrew

What's inside the guide

Each section is short, with worked examples in real dollars, the exact figure for this year, and the conversation to have next — and who to have it with.

Who this guide is for

This guide is for you if:

  • You're planning to help adult children with a deposit, a loan, or a guarantee
  • You're considering a granny-flat arrangement
  • You want to help without losing pension or control of the money

This guide isn't for you if:

  • You have no intention of giving or lending to family
  • Your estate plan already covers all of this with a solicitor

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.

Before you check out — one thing worth knowing

This guide is one of six in the complete set — The Complete Australian Retirement Guide. The set covers the rest: the Age Pension, the family home, widowhood, helping your kids, the super death tax, and the handover file your family will need when you're gone.

Bought individually, the four sold-separately guides come to $1,096. The set adds the two guides you can't buy on their own. The complete set is $497.

If three or more of the six apply to you, the set is the better buy.

Get this guide — $299 Get the complete set — $497

Instant PDF delivery. Yours to keep. 30-day refund.

Common questions

How is the guide delivered?

A PDF emailed to you within a few minutes of checkout, through our checkout provider, Payhip. Read it on any device, or print it.

Is it current for 2026–27?

Yes. Every figure is verified against the ATO and Services Australia for the 2026–27 financial year, with the version date on the front of the PDF. Figures change — the Age Pension is indexed twice a year, and many thresholds change on 1 July.

Is this regulated financial advice?

No. Andrew is not a registered tax agent or a licensed financial adviser. It's general educational information, that points you to the right professional for your own decisions.

What's the refund policy?

30 days, no questions asked — on top of your rights under the Australian Consumer Law. email [email protected] and you'll get your $299 back.