Brendan Ryan - Later Life Advice

02/06/2026

In the Later Life App, we work out the 10 essential calculations for Australians aged 67 and over.
It's a FREE tool to help navigate the system privately in one place: Medicare, the PBS, the Home Equity Access Scheme, downsizing, means testing for support at home and more.
Go to laterlifeadvice.com.au/freeapp or visit the Apple App Store, https://apps.apple.com/au/app/later-life/id6764028353, and make sure you're getting everything you're entitled to.
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28/05/2026

Navigating government concession websites is a complete headache. Every state has its own rules, and what you can claim depends entirely on the card in your wallet.

Here is the catch: because the rules are scattered across dozens of different department sites, thousands of Australian retirees are leaving real money on the table.

We did the math and mapped out all 209 entitlements across the country so you don't have to. For example, did you know:

WA and Queensland offer energy bill rebates to State Seniors Card holders, but other states restrict them to pensioners?

NSW has a dedicated $200 Seniors Energy Rebate specifically for self-funded retirees holding a Commonwealth Seniors Health Card (CSHC)?

Victoria gives percentage-based discounts (17.5% off energy, 50% off water), while most other states pay a flat annual dollar rebate?

The Later Life App does the heavy lifting for you. Just select your state, choose the cards you hold (like the PCC, HCC, CSHC, Seniors Card, or DVA Gold Card), and the app instantly filters exactly what you are eligible for—covering utilities, transport, medical, rates, and recreation.

It is 100% free.

Go to laterlifeadvice.com.au/freeapp or visit the Apple App Store, https://apps.apple.com/au/app/later-life/id6764028353, and make sure you're getting everything you're entitled to.

Are you getting your full Age Pension? This free app checks your entitlements in minutes. No login. Completely private.

26/05/2026

Pensioners in Australia should know there is an easy way to see if they're missing out on hidden concessions or extra pension.
It's free, completely private and has everything someone over 67 needs to navigate the system in one place: Medicare, the PBS, the Home Equity Access Scheme, downsizing, and means testing for support at home.
Go to laterlifeadvice.com.au/freeapp and make sure you're getting everything you're entitled to.
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24/05/2026

We've just released a major update to the Later Life App: localised Support at Home wait times and average service prices are now fully integrated.

With a simple financial profile, you can now see the exact cost of home support based on your unique situation, funds available, wait times in your local area, and national service price averages.

Aged care has a lot of moving parts, so we also included example calculations to show you exactly how home care assessments work and how far the funding stretches.

Open the Later Life App today to explore your personalised Support at Home estimator.

19/05/2026

If you or your parents are on the Australian Age Pension, there's a pretty good chance you could be leaving money on the table.
Most people do.
Did you know there is an easy way to see if you're missing out on extra pension or hidden concessions?
If you need help understanding Medicare, the PBS, the Home Equity Access Scheme, downsizing, and means testing for support at home. Everything someone over 67 needs to navigate the system in one place.
The best part?
It's free, completely private and built by a retirement specialist to help everyday Australians get what they are entitled to.
Go to laterlifeadvice.com.au/freeapp and make sure you're getting everything you're entitled to.
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