Age Pension eligibility is subject to rules that include age, residency, income and assets tests. Your relationship status, home ownership and the way different assets and income streams are assessed can affect the result. It is sensible to obtain an estimate rather than assume a full, part or nil entitlement.

At 67, super access is generally available. The key question becomes how to draw income efficiently while maintaining flexibility for future spending. This may involve an account-based pension, cash reserves and investments held outside super. Each option has different tax, investment and social security considerations.

Retirement spending rarely stays the same. Travel and leisure may be higher in the early years, while health, home support or care costs may become more important later. Building separate allowances for regular living costs, planned larger expenses and contingencies can make the plan easier to manage.

Even when retirement begins at 67, savings may need to last for decades. A diversified investment strategy can help balance income, access to cash, market risk and the effect of inflation. The right approach will differ from person to person.

Discussing future housing, support and care preferences with family can provide clarity before a decision becomes urgent. It is also worth checking enduring powers, beneficiary nominations and who could help manage financial matters if needed.

• Am I likely to qualify for a full, part or no Age Pension?
• How should I draw income from super and other assets?
• Have I allowed for changing spending over time?
• How much should remain available for emergencies?
• Does my investment strategy balance income and long-term growth?
• Have I discussed future housing and care preferences with my family?