Age Pension vs Super: Which Income to Turn On First
For a lot of Australians heading into retirement, the question isn’t “will I have income?” It’s “which tap do I
Pinpoint your magic retirement number.
Turn super & savings into a lifetime, tax-smart paycheck.
Let us do the legwork.
You’ve done the hard yards building your nest egg.
Now let it pay you—not the other way around.
We design the strategy that turns super and savings into steady, lifelong income.
We tame the tax rules, paperwork, and investment noise for you.
So every sunrise feels secure—and every day is yours to spend as you choose.
Plans in place—but a nagging doubt keeps tapping your shoulder.
Fees, taxes, market swings… still chipping at your calm.
We dissect every dollar of your current setup—no stone unturned.
Plug leaks, slash waste, and lock in predictable pay-days.
So you wake up knowing the bills—and the fun—are always covered.
Hit 50 and the money game tilts—fast.
Time compresses, rules tighten, markets lurch.
Super stuck in cruise mode? We push it to the tax-free ceiling.
Cash lounging in the bank? We turn it into a pay-cheque that never clocks out.
Kids’ inheritance? We ring-fence it from Centrelink, creditors, and family squabbles.
Sit still and every lost year chokes compounding.
Move now and every dollar starts sprinting.
We map the finish line, plug every leak, and spell out your next move—plain and simple.
Result: rock-solid income for life, legacy locked in, zero second-guessing.
The rules keep shifting.
Your savings target feels like a moving goal-post.
Debts linger, interest ticks, time races.
Health costs whisper “what if?” in the dark.
Every choice looks like a coin-flip you can’t afford to lose.
We clear the fog.
Pin down the number that lets you exhale.
Reshape debt, trim tax drag, free up cash-flow.
Turn scattered accounts into one steady, lifelong pay-cheque.
So your money worries fade—and sleep comes easy.
If any of this sounds familiar, you’re not alone—and you’re not stuck.
At Chapters Retirement Partners, we build personalised plans that turn uncertainty into confidence and give your future the foundation it deserves.
Start now, and give your future self something better than thanks: peace of mind.
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Whether it’s European getaways, bucket-list adventures, or leaving a legacy that lasts, we use smart, often-missed strategies to make it happen.
Let’s turn your money into more memories, more meaning, and more life.
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With clear strategies, transparent advice, and a focus on what matters to you, we put you back in the driver’s seat.
You stay informed, in control, and confident—every step of the way.
It’s not just about wealth. It’s about peace of mind.
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With straightforward advice tailored to your life, we help you stay in control and on track.
No confusion. No guesswork. Just smart strategies that give you peace of mind.
Let’s make your ideal retirement simple, secure, and real.
Imagine spending a third of your life doing what you love—not what you have to.
No 9-to-5. No money stress. Just time, freedom, and the energy to enjoy both.
At Chapters, that’s the retirement we help you build.
One that’s not just financially secure—but deeply fulfilling.
We look beyond spreadsheets.
Yes, we’ll make sure you have enough.
But more importantly, we’ll help you use it in ways that matter—travel, hobbies, family, even giving back.
This isn’t about just making it through retirement.
It’s about making it the best years of your life.
Let’s create that chapter—together.
For a lot of Australians heading into retirement, the question isn’t “will I have income?” It’s “which tap do I
When you’re working, a pay rise often covers the extra spending. In retirement? There’s no pay rise coming. Your income
Finish Strong—even when the cost of filling up keeps rising. If you’ve filled up your car recently, you don’t need
Wondering if you’re on track for the retirement you want?
Take our quick quiz to find out where you stand—and get clear, practical tips to improve your outlook.
It’s fast, free, and could be the first step to a more secure future. Why guess, when you can know?
1. Introduction
1.1 Count Limited and its related bodies corporate (collectively ‘Count’, ‘we’, ‘us’, ‘our’) respect your privacy and are committed to protecting your privacy. We understand the importance you attach to information that identifies you (your ‘personal information’) and we want to help you protect it.
1.2 We are bound by, and committed to supporting, applicable privacy legislation including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy (‘Policy’) explains how we collect, hold, use, and disclose your personal information that we may obtain when you submit information to us in person, by mail or email, or by visiting our website.
2. How do we collect and hold personal information about you?
2.1 We collect personal information from you in a variety of methods. Examples of how we collect personal information include:
2.2 Because our products and services are often offered by intermediaries such as financial planners, solicitors, or accountants, we may collect personal information about you from these third parties.
2.3 You can deal with us anonymously or by pseudonym unless it is impractical for us to deal with you where you have not identified yourself or have used a pseudonym. We require certain personal information to provide you with services and information. If you do not provide us with certain personal information, we may not be able to provide you with access to those services or respond to your request for information.
2.4 We will only collect personal information from you where it is reasonably necessary for us to provide our services to you or to perform our functions or activities.
2.5 We will only collect sensitive information from you with your consent, except in permitted general situations which include:
2.6 We may hold your information electronically or physically and have in place appropriate data and physical security measures and protocols to protect that information from loss or from disclosure not contemplated by this Policy.
3. What type of personal information do we collect?
3.1 The type of personal information we may collect from you includes (but is not limited to):
4. How do we use your personal information?
4.1 We will use the information you supply for the purpose of providing you with the service(s) agreed under our engagement and related services, such as accounting or business advisory services, or to meet obligations we may have at law, including in relation to health and safety.
4.2 We may also use the information we collect for our internal business and management processes (for example, accounting or auditing purposes), monitoring and improving our website, keeping you informed about our services and company news, and for any other purposes that would be reasonably expected by you and to allow us to comply with our obligations under the law.
4.3 We may also use personal information we have collected from you for the purpose of marketing our services. If you do not want to receive marketing material from us, you can unsubscribe by contacting us as detailed below:
5. How do we disclose your personal information?
5.1 Your personal information will only be disclosed:
5.2 We may use, store, process, or back-up your personal information on servers that are located overseas (including through third-party service providers). The privacy laws in other countries might not be the same as in Australia. However, where we provide your personal information to third parties overseas, we will take such steps as are reasonable to ensure that your information is handled and stored in accordance with Australian privacy laws and this Policy. Currently, we use outsourced service providers in the Philippines, India, and Serbia.
6. Access to your personal information
6.1 You can request us to provide you with access to personal information we hold about you by sending us an email: privacy@count.au (no spam please) or writing to us at Level 1, 45 Clarence Street, Sydney NSW 2000.
6.2 We may allow an inspection of your personal information in person, or provide copies or a summary of relevant documents, depending on what is the most appropriate in the circumstances. Any charge we make for providing access will be reasonable and will not apply to lodging a request for access. Your request to access your personal information will be dealt with in a reasonable time.
6.3 Note that we need not provide access to personal information if a request is frivolous, or where to provide access would pose a threat to health or public safety, unreasonable interference with another person’s privacy, or be a breach of the law. If we refuse access, we will provide you with reasons for doing so.
7. Accuracy and correction
7.1 To enable us to keep our records properly, please notify us if you believe that any information we hold about you is inaccurate, incomplete, or out of date and we will take reasonable steps, in the circumstances, to ensure that it is corrected. You can notify us by sending us an email: privacy@count.au (no spam please) or writing to us at Level 1, 45 Clarence Street, Sydney NSW 2000.
8. Our security procedures
8.1 We take your privacy and the privacy of our associated entities and their clients very seriously. We will take reasonable steps in the circumstances to protect any personal information you provide to us from misuse, interference, or loss and unauthorised access, modification, and disclosure.
8.2 We will also deidentify and destroy the personal information we hold about you once our legal obligations cease. Our security procedures are reviewed from time to time and we update them when relevant.
8.3 Please be aware that the transmission of data over the internet is never guaranteed to be completely secure. It is possible that third parties not under our control may be able to access or intercept transmissions or private communications without our permission or knowledge. We take all reasonable steps, in the circumstances, to protect your personal information. However, we cannot ensure or warrant the security of any information you transmit to us. Such transmissions are done at your own risk.
9. Data breach notification
9.1 We are required to give notice to the Office of the Australian Information Commissioner (OAIC) and affected individuals of an “eligible data breach”. This means that if we hold personal information about you, and there is unauthorised access to or disclosure of your personal information, and if you, as the “affected individual” would be likely to suffer serious harm from this access or disclosure, we must notify both you and the OAIC.
9.2 “Serious harm” could include identity theft, threats to physical safety, economic and financial harm, harm to reputation, embarrassment, discrimination, or harassment. The test is whether a “reasonable person” would expect you to suffer serious harm.
9.3 If you are likely to suffer serious harm from a data breach, we will notify you of:
9.4 We will notify you using the same method that we usually use to communicate with you. If it is not practicable for us to notify you personally, we will publish the notification on our website.
9.5 There are some circumstances in which we do not have to notify you of a data breach. These include:
9.6 Depending on the nature of the breach and the harm, we may voluntarily inform other third parties such as the police or other regulators or professional bodies.
10. Identifiers
10.1 We will not adopt as our own any government identifiers you may provide to us such as TFNs and will not store these identifiers on any information.
11. Links to other sites
11.1 We may provide links to other sites for you to access. You should be aware that these other sites are not subject to this Policy or our privacy standards and procedures. You will need to contact them directly to ascertain their privacy standards.
12. Cookies
12.1 Our website may deposit “cookies” on a visitor’s computer. Cookies are pieces of information that a website transfers to an individual’s hard drive for record-keeping purposes. Cookies are only sent back to the website that deposited them when a visitor returns to that site.
12.2 Cookies make it easier for you by saving your preferences while you are at our site. We never save personal identifiable information in cookies. Most web browsers are initially set up to accept cookies. You can, however, reset your browser to refuse all cookies or to indicate when a cookie is being sent.
13. Changes to our Privacy Policy
13.1 From time to time, we may vary this Policy for any reason. We will publish any changes on this website.
13.2 By continuing to use our website and continuing to provide us with your information, you confirm your acceptance of these changes.
14. Complaints resolution
14.1 We are committed to providing a fair and responsible system for the handling of complaints from parties whose personal information we hold. If you have any concerns regarding the way we have handled your privacy, please send us an email at privacy@count.au or write to us at Level 1, 45 Clarence Street, Sydney NSW 2000. We will address any concerns you have through our complaints handling process and we will inform you of the outcome of your complaint within a reasonable timeframe.
14.2 If after receiving our response, you still consider that your privacy complaint has not been resolved, you may refer your concerns to the Office of the Australian Information Commissioner at www.oaic.gov.au.
