Expert Age Pension Planning and Retirement Strategies
Lincoln Wealth Advisers provides expert Age Pension optimization and integrated retirement planning to help you navigate complex Centrelink regulations. We use precise asset restructuring to secure your maximum rightful entitlement while synchronizing your tax and estate goals. Make an appointment“March 2026: Full Age Pension is now $1,200.90/fortnight for singles and $1,810.40/fortnight for couples (combined) — including all supplements”
Expert Age Pension Advice & Planning
We transform the complexity of Centrelink’s maze into a streamlined, high-yield strategy that secures the maximum pension you are rightfully owed.
By managing your asset structure with mathematical precision, we eliminate common pitfalls to ensure your full financial picture works entirely in your favor.
We proactively engineer your financial position to bridge the gap between eligibility and long-term security.
We integrate your pension goals with your broader estate and tax planning, ensuring that every move we make elevates your total retirement wealth.
Maximise your Age Pension
How We Maximize Your Age Pension Entitlement
As of March 20, 2026, the Australian Age Pension framework has undergone critical updates. With the maximum fortnightly rate rising to $1,200.90 for singles and $1,810.40 for couples, retirees are navigating a shifting landscape.
Crucially, new deeming rates of 1.25% and 3.25% have altered the income test, potentially creating a “hidden” reduction in your benefits if your assets are not structured correctly.
We transform the complexity of these Centrelink regulations into a streamlined, high-yield strategy that secures the maximum pension you are rightfully owed.
Why Choose Our Pension Strategy
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We restructure your assets to minimize deeming impact.
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We ensure you qualify for every dollar of the Age Pension you are rightfully.
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We proactively adjust your plan for new government policies,
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We align your pension goals with your broader tax and estate plans.
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As an independent, fee-for-service firm, we work solely for you.
Lincoln Wealth Advisers Aged Pension Services
Age Pension Eligibility & Mathematical Modeling
We provide rigorous, data-backed assessments of your income and assets to pinpoint your exact entitlement and identify the precise adjustments needed to maximize your payout.
Strategic Asset & Deeming Mitigation
We restructure your financial holdings to neutralize the impact of 2026 deeming rates, ensuring your investment choices work to boost—rather than penalize—your pension eligibility.
End-to-End Application & Compliance Management
We handle the complexity of Centrelink paperwork, from initial claim preparation to ongoing reporting, ensuring your file is accurate, compliant, and optimized for success.
Unified Retirement Wealth Planning
We integrate your pension strategy with broader tax, superannuation, and estate objectives, creating a cohesive, long-term plan that elevates your total financial security.
Let’s get started
Why Choose Lincoln Wealth Advisers for Centrelink Advice
Maximize Your Payments: We restructure your assets to minimize deeming impact and boost your fortnightly pension.
Capture Your Full Entitlement: Our precise modeling ensures you receive every dollar you are rightfully owed under current limits.
Outpace Regulatory Changes: We proactively adjust your plan to ensure peak eligibility before every government review.
Unify Your Wealth Strategy: We synchronize your pension, tax, and estate plans to increase your total retirement security.
Get Truly Unbiased Advice: As an independent, fee-for-service partner, our only priority is your financial success.
Download and view a copy of Nasser’s Adviser Profile and our Lincoln Wealth Advisers – Financial Services Guide here to review prior to our first meeting.
Centrelink · Adelaide · Services Australia
Aged Pension Rates & Asset Limits
Verified and updated 20 March 2026 — next review September 2026
Current fortnightly amounts and asset test thresholds from the March 2026 indexation. Centrelink applies both the income and assets tests — your payment is based on whichever gives the lower result.
Table 1
Fortnightly payment rates Mar 2026
| Situation | Per fortnight | Per year (est.) |
|---|---|---|
| Single | $1,200.90 | ~$31,223 |
| Each partner | $905.20 | ~$23,535 |
| Couple (combined) | $1,810.40 | ~$47,070 |
Includes base rate + pension supplement + energy supplement. Indexed every March & September.
Table 2
Asset test limits Mar 2026
| Situation | Homeowner | Non-homeowner |
|---|---|---|
| Full pension (lower threshold) | ||
| Single | $321,500 | $579,500 |
| Couple | $481,500 | $739,500 |
| Pension cuts out (upper threshold) | ||
| Single | $722,000 | $980,000 |
| Couple | $1,085,000 | $1,343,000 |
Family home is exempt. Between thresholds, pension reduces by $3.00/fortnight per $1,000 over the lower limit.
Centrelink · Adelaide · Services Australia
Aged Pension Rates & Asset Limits
Verified and updated 20 March 2026 — next review September 2026
Current fortnightly amounts and asset test thresholds from the March 2026 indexation. Centrelink applies both the income and assets tests — your payment is based on whichever gives the lower result.
Table 1
Fortnightly payment rates Mar 2026
| Situation | Per fortnight | Per year (est.) |
|---|---|---|
| Single | $1,200.90 | ~$31,223 |
| Each partner | $905.20 | ~$23,535 |
| Couple (combined) | $1,810.40 | ~$47,070 |
Includes base rate + pension supplement + energy supplement. Indexed every March & September.
Table 2
Asset test limits Mar 2026
| Situation | Homeowner | Non-homeowner |
|---|---|---|
| Full pension (lower threshold) | ||
| Single | $321,500 | $579,500 |
| Couple | $481,500 | $739,500 |
| Pension cuts out (upper threshold) | ||
| Single | $722,000 | $980,000 |
| Couple | $1,085,000 | $1,343,000 |
Family home is exempt. Between thresholds, pension reduces by $3.00/fortnight per $1,000 over the lower limit.
Testimonials
“I was overwhelmed by the complexity of Centrelink’s 2026 updates. Lincoln Wealth Advisers didn’t just explain the rules; they modeled my exact asset position and identified a structural shift that increased my pension significantly. Their fee-for-service approach gave me total confidence that I was getting honest, unbiased advice.”
“The difference between ‘general advice’ and the precision modeling we received was night and day. They navigated the new deeming rate changes with such mathematical accuracy that we secured our full entitlement without any stress. We finally feel like our retirement plan is actually working for us.”
” My wife and I are very happy with Nasser indeed. He explains everything very well to us and is very patient. We are extremely happy with his Service.”
our people
Nasser Zreika
Director, Senior Financial Adviser, BEc AdvDFP
Nasser has been in the financial services industry since 1997, and in Financial Planning since 2000. Based in Adelaide, he specialises in retirement planning, superannuation, Centrelink and aged pension advice, investments and income protection.
His passion is understanding his client’s wants and needs, and building a long term relationship with them to see them through life’s ups and downs.
Away from work Nasser loves travelling with his wife and young twins. He’s also an avid guitarist and mountain biker.
Lincoln wealth advisers are proud members of
Frequently Asked Questions about the Age Pension
How much is the Age Pension as of March 2026?
As of 20 March 2026, the maximum fortnightly Age Pension (including supplements) is $1,200.90 for singles and $1,810.40 for couples (combined). These rates are adjusted in March and September each year to keep pace with the cost of living.
Do I qualify for the Age Pension in 2026?
To qualify, you must meet three core criteria:
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Age: You must be 67 years or older.
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Residency: You must be an Australian resident, typically for at least 10 years.
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Means Testing: You must pass both the Income Test and the Assets Test to determine your eligibility and payment rate.
How do the 2026 deeming rate increases affect my pension?
As of 20 March 2026, deeming rates are 1.25% on the first $64,200 (singles) or $106,200 (couples) of financial assets, and 3.25% on balances above those amounts. Because these rates determine your “deemed” income, an increase can effectively lower your pension payment if your assets are not structured to mitigate this impact. Our team can help you review your asset structure to minimize this reduction.
What are the asset and income test cut-off limits for 2026?
Your eligibility depends on whether you are a homeowner. As of 20 March 2026, the full pension asset limits are:
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Single Homeowner: Up to $321,500
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Couple Homeowner (combined): Up to $481,500 (Non-homeowners have higher thresholds; contact us for a full assessment of your specific situation.)
Is the Age Pension age changing in 2026?
No. The minimum age to qualify for the Age Pension remains 67 years old. There is currently no legislation in place to increase this age further in 2026.
Contact Us
To get started with your Centrelinked aged pension needs please contact us.
Lincoln Wealth Advisers — Financial Adviser Wayville SA
65 Goodwood Road, Wayville SA 5034
Serving clients across Wayville, Goodwood, Unley, Clarence Gardens, Adelaide CBD and surrounding areas.
nasser@lincolnwealth.com.au 0412 331 867
Nasser Zreika and Lincoln Wealth Advisers are authorised representatives of Synchron, Life Insurance Broker, AFS Licence No. 243313
The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Also view our ASIC registration