Have you reviewed the full range of benefits and concessions available to those aged over 55, which will affect your retirement income and plans? Some of these may be available to self-funded retirees or people still working.

In addition to accessing your superannuation and/or the aged pension, you may be eligible for other benefits and concessions including senior tax offsets, pension work bonus, carer allowance, rent assistance, veterans' service pension, disability support, sickness and mobility allowances, a Seniors Health Card, Seniors Card, Seniors Supplement, Centrepay bill paying service, advance payments, pension loans scheme, low cost bank accounts and more.

The Government's MoneySmart website is a great place to start as it has a comprehensive summary of what's available, eligibility criteria, plus a number of online calculators to help work out your finances and manage your budget: