Pension Preppers (Australia) Pty Ltd is a small Western Australian consultancy that helps individuals and couples make sense of the Age Pension, their superannuation paperwork, and the day-to-day decisions that come with leaving full-time work. We focus on clarity, plain English, and practical checklists — not financial product sales.
Understand the forms, the assets test and what to lodge
Track down lost super and consolidate accounts
A one-off session that walks through your situation, the gaps, and the next practical steps to take this month
Help dealing with myGov, queries and reviews
Short written summaries you can keep and share
No jargon, no acronyms left undefined
We don't sell super funds, insurance or annuities
Embleton, Morley and the wider Perth metro
Agreed price up front — no hourly surprises
We deliberately keep our scope narrow. Pension Preppers focuses on retirement-side paperwork and decision support — the practical, often-overlooked parts of getting ready to stop working.
We sit down with you, work through the eligibility rules, and explain how the assets and income tests apply to your situation.
Help locating lost super, comparing fee structures on your existing accounts, and understanding consolidation options.
A written summary of how account-based pensions, drawdown rates and the Work Bonus interact in retirement.
For people 5–10 years from stopping work: what to think about now, what can wait, and what to ask your accountant.
Reminders about super death-benefit nominations, EPOA and what your existing will should reference. We refer out for legal drafting.
An optional yearly check-in to update your paperwork after legislation changes or life events — downsizing, bereavement, grandchildren.
Most of what we do is delivered as one-off sessions or short engagements with a fixed scope and a fixed quote. You leave with notes, next steps, and the confidence to action them — or to ask us to handle the parts you'd rather not do yourself.
Some clients arrive with a folder of unopened super statements. Others want to understand a single Centrelink letter. We meet you where you are.
We list out your accounts, income sources, expected expenses and any flags. Nothing fancy — just a one-page snapshot you can keep.
We don't dump the legislation on you. We translate the parts that affect your position into a few specific decisions and dates.
We won't push you into anything. If you want help lodging an application or following up with a fund, we can do that on a per-task basis.
Are you financial advisers?
No. Pension Preppers does not provide personal financial product advice and does not hold an AFSL. We help with retirement-side paperwork, decision support, and Centrelink-facing tasks. For product advice we refer you to a licensed adviser.
Do you sell super funds or insurance?
No. We don't take commissions, kickbacks, or referral fees from any product provider. You pay us a fixed fee for our time, and that's the whole arrangement.
Can you lodge an Age Pension claim for me?
We can sit with you while you complete it through myGov, or, with a Centrelink nominee arrangement in place, lodge supporting documents on your behalf. We charge a flat fee for that work.
The first phone chat is free and there's no obligation. We'll tell you honestly whether we're the right people to help, or point you somewhere better.