OTG Capital - Blog #age pension

Granny Flats - Dollars & Making Sense 20 Oct 2026

Mon, 26 Oct 2026 14:14:11 +1100

Rebroadcast from earlier this year - Thinking of bringing in Mum and/or into your home via a Granny Flat arrangement? We welcome back Justin Bott from Services Australia to explain the old truism that "the devil is in the detail". Having had first hand experience as a FIS officer, Justin has a wealth of experience to bring to our show about anyone considering entering into a granny flat arrangement. It can be incredibly useful and helpful to all involved - if done correctly. If not, you could be inviting the devils of Hades into your life with long term consequences for you and your entire family. A show not to be missed if this situation is on your horizon.

@FMRNB

@Radio Northern Beaches

Reversionary Pensions - Dollars & Making Sense 22 Sep 2026

Tue, 22 Sep 2026 09:00:00 +1000

First things 1st - what is a reversionary pension? Glad you asked and we're glad we have Stuart Sheary, subject matter expert from the Institute of Financial Professionals of Australia (www.ifpa.com.au) along to explain the pros and cons of having a pension in place and what it means to beneficiaries of the pension. As we all meet our maker, the type of pension in place will have a marked impact on the beneficiaries, the tax implications and whether some pay tax, or no tax at all. Some jargon and a few explanations later, Stuart helps sort through some of the detail so you can understand what decision may suit you. And as always, we recommend you chat your financial professional for detailed advice.

@FMRNB

@Radio Northern Beaches

Granny Flats - Dollars & Making Sense 25 Aug 2026

Tue, 25 Aug 2026 09:00:00 +1000

Thinking of bringing in Mum and/or into your home via a Granny Flat arrangement? We welcome back Justin Bott from Services Australia to explain the old truism that "the devil is in the detail". Having had first hand experience as a FIS officer, Justin has a wealth of experience to bring to our show about anyone considering entering into a granny flat arrangement. It can be incredibly useful and helpful to all involved - if done correctly. If not, you could be inviting the devils of Hades into your life with long term consequences for you and your entire family. A show not to be missed if this situation is on your horizon.

@FMRNB

@Radio Northern Beaches

Pension Update - Dollars & Making Sense 11 Aug 2026

Tue, 11 Aug 2026 09:00:00 +1000

Into the new financial year and if you haven't noticed yet, there have been changes afoot, not only in your take home pay, but if you're receiving a government payment, there are changes there as well. We welcome back Juston Bott, media information officer from Services Australia (CentreLink) to explain what the changes mean to those receiving the age pension, but also for those who have never been near a government office, and what you may be entitled to - yes, even if you're over retirement age and still working. Justin explains the differences, and the impact.

@FMRNB

@Radio Northern Beaches

Travelling Pensioners - Dollars & Making Sense 14 July 2026

Tue, 14 Jul 2026 09:00:00 +1000

archive show - Justin Bott from Services Australia joins us to work through a range of potential options that pensioners might consider when they embark on their travels, whether that be for 1 week or 52 weeks or more, domestically or internationally. There are many things to consider, and Justin makes it nice and easy to understand

@FMRNB

@Radio Northern Beaches

When to Retire - Dollars & Making Sense 16 Jun 2026

Mon, 22 Jun 2026 10:48:52 +1000

Understanding retirement age is rather important. Is it 60, 65 or 67? or none of the above? Justin Bott from Services Australia joins us to discuss some interesting considerations when deciding on when to retire. Money is just a small part of the equation, albeit important! We need to consider aspiration, health, finances, super, retirement aims, and what to do with the nest egg you've been planning for all your life. Now its time to spend it all - but can we? Tune in to find out what are some of the many considerations of when is the right time to retire - or maybe not retire at all?

@FMRNB

@Radio Northern Beaches

Aged Pension 1.01 - Dollars & Making Sense 17 Mar 2026

Tue, 17 Mar 2026 09:00:00 +1100

There are many misconceptions about the Aged Pension, who can access it, who is entitled to it, and what are the rules that surround applying for, and getting the Aged Pension. This week, we welcome back Justin Bott, Media Information Officer from Services Australia, (better known as Centrelink). Justin is a wealth of information and guides us through what "deeming" is, the income and assets means test and how it can impact what you do or don't get paid as part of your entitlements. The Services Australia website is a wealth of information as is the government's Financial Information Service.

@FMRNB

@Radio Northern Beaches

Travelling Pensioners - Dollars & Making Sense 3 Mar 2026

Tue, 03 Mar 2026 09:00:00 +1100

Justin Bott from Services Australia joins us to work through a range of potential options that pensioners might consider when they embark on their travels, whether that be for 1 week or 52 weeks or more, domestically or internationally. There are many things to consider, and Justin makes it nice and easy to understand

@FMRNB

@Radio Northern Beaches

Pensioners Making Money - Dollars & Making Sense 17 Feb 2026

Tue, 17 Feb 2026 09:00:00 +1100

This show is a repeat from earlier this year, we hope you enjoy it!

Stuart Sheary from IFPA (www.ifpa.com.au) joins us to work through a range of potential options that pensioners might consider to supplement their income. Not everyone has the comfort of a fully loaded super account, and Stuart's suggestions are well worth considering when a number of them won't impact Centrelink payments. Tune in and find out whether you (or your parents!), may be able to take advantage of these alternative income streams to supplement your living.

@FMRNB

@Radio Northern Beaches

Pensioners Making Money - Dollars & Making Sense 28 Oct 2025

Tue, 28 Oct 2025 09:00:00 +1100

@FMRNB

@Radio Northern Beaches