I'm Craig Millar — a retired tax preparer with 38 years inside the Australian tax and superannuation system.

I didn't work for a big firm. I ran a small practice, preparing returns and sorting out super for everyday Australians. After I retired, I started volunteering at community pension workshops — answering questions and helping people navigate Centrelink.

The same problems came up every time: retirees who didn't know what they were entitled to, families blindsided by the assets test, widows losing half their pension overnight because nobody told them to claim.

The information exists — it's on government websites, buried in policy language. These guides pull out what actually matters and explain it in plain English.

Every figure is verified against Services Australia and the ATO for the 2026/27 financial year.