Pre-retirement checklist

Tick things off as you go. Your ticks stay on this page only and aren’t saved or sent anywhere.

5+ years out

• Combine super accounts if it makes sense
• Check your insurance inside and outside super
• Work out roughly what you’ll spend in retirement
• Review extra contributions and your contribution caps
• Plan to pay down debt

1 to 2 years out

• Pick a target retirement date
• Estimate your Age Pension position
• Decide how you’ll turn super into an income
• Check your will, power of attorney and super nominations
• Plan a cash buffer for 1 to 2 years of spending

3 to 6 months out

• Tell your employer and confirm your leave entitlements
• Organise your final super contributions
• Set up your retirement income stream
• Apply for the Age Pension, if eligible, up to 13 weeks before you reach the age
• Update your budget for retired life

After you retire

• Review your plan every year
• Report changes to Centrelink within 14 days
• Keep an eye on spending against your plan
• Revisit your estate plan after any big life change

General information only. It doesn’t take your personal circumstances into account. Cornerstone · (08) 9388 6699 · Version 7 November 2026