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The following form allows you to search all of BT.

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    BT Academy Strategies & technical resources
    1. BT Academy
    2. Strategies & technical resources
    BT Academy Strategies & technical resources
    • Private markets
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    Retirement

    As more and more Australians move into retirement, understanding the ever-changing complexities and demands of providing advice for clients at this life stage is increasingly important. These retirement resources aim to help you meet your clients’ evolving retirement needs.

    anchor to Planning for retirement section

    Planning for retirement

    anchor to In retirement

    In retirement

    anchor to Later life

    Later life

    Planning for retirement

    man writing

    The importance of financial planning for retirement

    While retirement can herald an exciting new phase of life, for many it also comes with challenges.
    Technical resource
    man writing

    Super, tax and other rates and limits 2024/​25

    The latest key super, tax and social security rates, rules and thresholds for 2024/25.
    Technical resource
    Assessment for entering aged care

    Assessment for entry into an aged care facility

    Aged care facilities are designed for older people who are not able to live at home. There are a number of important considerations when choosing a facility.
    Technical resource
    man writing

    Your guide to means testing

    An outline of what is assessed in the assets test and income test. All assets that the client has are assessable under the assets test.
    Technical resource
    adviser and client talking

    Calculating the rate of income support payments

    The rate of social security payments are affected by an asset and income test. Generally, the test that results in a lower payment is what determines the rate payable.
    Technical resource

    In retirement

    article about wills

    Granny flat tax implications

    Documenting granny flat arrangements can protect the interests of elder relatives. However, there may be tax, estate planning and other consequences.
    Technical resource
    Granny flat arrangements

    Granny flat arrangements within the context of the gifting rules

    There are special rules for granny flat arrangements that may prevent the deprivation rules from applying. However they must satisfy a range of requirements.
    Technical resource
    super and income stream types

    Superannuation income streams types

    Most income streams are sourced from account based pensions and insurance companies (annuities) with the same and concessional tax structure for both.
    Technical resource
    super death benefits

    Social security benefits and their eligibility criteria

    There are many social security benefits with differing and complex eligibility criteria. This guide looks at some of the main payments and concession cards.
    Social security
    article on social income streams

    Income streams: social security income test (including defined benefits)

    Income streams are generally assessed under the social security income test when they are commenced. The specific treatment will depend on the type held.
    Technical resource

    Later life

    article on means testing for aged care

    Your guide to the first aged care means test

    The aged care means test is based on a person’s income and assets. It applies when entering residential aged care.
    Technical resource
    article on aged care fees and charges

    Residential aged care fees and charges

    There are various fees aged care homes charge residents, including a basic daily care fee, accommodation cost, health care fee and an extra service fee.
    Technical resource
    article on guide to aged care - PDF

    Your guide to aged care

    This guide covers a range of topics that you should consider when discussing aged care plans with your clients, including eligibility for government subsidised aged care, home care packages, the aged care means test and more.
    Technical resource
    article on paying for parents aged care home

    Payment for a parent's residential aged care accommodation costs

    Residential aged care can be expensive, but before clients pay the accommodation costs for a parent they need to be aware of the impact on other fees.
    Technical resource
    super death benefits

    Superannuation death benefits

    Super death benefits are subject to the transfer balance cap rules where a death benefit income stream is paid. Child pensions also have special rules.
    Technical resource
    article on guide to aged care - PDF

    Understanding home care package fees

    The government subsidises Home Care Packages for those who are eligible. Two types of fees may be payable depending on the package and level of income.
    Technical resource
    article on assessment for entry into aged care facility

    Assessment for entry into an aged care facility

    Aged care facilities are designed for older people who are not able to live at home. There are a number of important considerations when choosing a facility.
    Technical resource

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    Information current as at September 2019.

    This communication has been prepared for use by advisers only.  It must not be made available to any client and any information in it must not be communicated to any client.  This document provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.

    This information does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to these factors before acting on it.

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    The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. The issuers of the products named on this website can be found in the relevant disclosure document. Read the disclosure documents for your selected product before deciding. Target Market Determinations for our products can be found here. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.

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