KGB Financial Planning Pty Ltd

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KGB Financial Planning Pty Ltd Google 5 star rated

I help Australians navigate the complexity of financial decisions with confidence. 📈 Financial Adviser, 25 Years Experience Retirement, Age Pension/Centrelink & Aged Care Specialist.

25/10/2026

If you are thnking of giving away your inheritance you need to understand the Centrelink’s gifting rules. Any amounts above the allowable gifting limits will still count as your assets for 5 years. To requalify for the Age Pension, you generally need to wait until the 5-year period ends or meet the assets test while the gifted amount is still counted. Before gifting your inheritance, understand the rules and how they could affect your retirement income! FinancialAdvice KGBFinancialPlanning

23/10/2026

Did you know you may be able to access your super at 60 yeard of age as a lump sum, start an income stream. Understanding your options can help you make smarter decisions and build a retirement that works for you.

Your super. Your future. Your choices.

FinancialEducation RetirementReady FinancialFreedom

Replica account, if you get a request ignore.
21/10/2026

Replica account, if you get a request ignore.

Jelena Dokic presented today at the Financial Advice Association Australia (FAAA) inspire lunch. As a fellow Balkan Sl...
21/10/2026

Jelena Dokic presented today at the Financial Advice Association Australia (FAAA) inspire lunch. As a fellow Balkan Slavic woman it reminds me of many of our upbringings, where love came with toughness, survival was mistaken for strength. RISE, reclaim your Voice and rise beyond what tried to Break You!

14/10/2026

PROUD TO BE AN IFA AWARDS FINALIST

A huge THANK YOU to all my amazing followers for the love, support, and encouragement. I appreciate every single one of you. KGB Financial Planning is about helping ordinary people make every day extraordinary. Financial Literacy is for everyone.

11/10/2026

This clip is for Single Home Owners. Your financial assets are subject to deeming, which means Centrelink assumes your money is earning a certain rate of return regardless of what you actually earn. This can affect how much you get paid.

It’s important to understand that your financial position is assessed under both the Income Test and Assets Test, and getting the right information can make a significant difference.

06/10/2026

Have you got a younger partner? You will only get the couple rate not single rate! If you’re approaching retirement and have a younger partner, it’s important to understand how your circumstances could affect your Centrelink entitlements.

02/10/2026

Centrelink don't tell you the truth. Your full assets limit can not be financial. Your financial assets are assumed to earn a set rate of income, regardless of what they actually make. If you fill your entire asset allowance with financial investments, the "deemed income" kicks in, triggers the income test, and cuts your pension before you ever hit the asset ceiling!
Australia

26/09/2026

The upper pension asset thresholds changed on 20 September 2026. The
thresholds affect how much pension you’re entitled to receive. Your savings, investments, superannuation and other assessable assets play a role in determining your entitlement. Individual assets and income will determine payments. Before making decisions about your money seek advice. These are applicable for the Age Pension, Disability Pension and Carer Payments

22/09/2026

Have you checked how your financial assets could affect your Age Pension? I’ve worked out the financial asset figures for both a single person and a couple, and there’s an important point to understand: even if your assets are still below the Assets Test cut-off, you may not receive the full Age Pension.

That’s because Centrelink uses deemed income from your financial assets when calculating your pension, and the deeming rates increased from 20 September 2026. Knowing where you sit can make a big difference when planning your retirement income. RetirementAdvice Superannuation AustralianRetirement PensionPlanning KGBFinancialPlanning

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Level 1 2-8 Lake Street
Caroline Springs, VIC
3023

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