# SUNLIT PATH

> RETIREMENT PARTNERS


## Posts

- [How downsizing can affect your Age Pension: a Sunshine Coast guide](https://sunlitpath.com.au/downsizing-age-pension-sunshine-coast/): Usually, downsizing trims your Age Pension rather than ending it. The trim comes from the cash left over, not the home.
- [I Used ChatGPT for My Retirement Plan. What Do I Do Now?](https://sunlitpath.com.au/chatgpt-retirement-plan-sunshine-coast/): A ChatGPT retirement plan makes good notes, but it is not personal advice and it is not a Statement of Advice.
- [A Sunshine Coast Guide: Are Retirement Villages Worth The Cost?](https://sunlitpath.com.au/retirement-village-costs-sunshine-coast/): Retirement village costs on the Sunshine Coast: entry prices, monthly service charges, exit fees under Queensland law, and what a move means for the Age Pension from 20 September 2026.
- [Aged care costs on the Sunshine Coast: RAD, DAP and home care](https://sunlitpath.com.au/aged-care-costs-funding-sunshine-coast/): Worried about the cost of aged care? Learn how the 2025/2026 rules affect your savings and how to fund your care on the Sunshine Coast without the stress.
- [How super left to adult children is taxed](https://sunlitpath.com.au/sunshine-coast-super-death-tax-protect-your-kids-inheritance/): Worried about the 17% tax on super left to adult children? Learn how Sunshine Coast retirees can protect their legacy and pass on wealth tax-free.
- [Volunteer roles for retirees on the Sunshine Coast: finding purpose after work](https://sunlitpath.com.au/loss-of-purpose-after-work-the-sunshine-coast-volunteering-guide/): Feeling lost after retirement? Discover Sunshine Coast volunteer roles, from turtle patrols to wildlife rescue, that bring purpose back.
- [Should I Downsize for Retirement? Sunshine Coast](https://sunlitpath.com.au/the-sunshine-coast-guide-should-i-downsize-my-home-for-retirement/): Downsizing on the Sunshine Coast: the $300k downsizer contribution, what leftover cash means for the Age Pension from 20 Sep 2026, and when rightsizing helps.
- [Quarterly Economic Update: April to June 2026](https://sunlitpath.com.au/quarterly-economic-update-april-to-june-2026-economic-update/): In the latest Quarterly Economic Update, we explore a quarter marked by significant global and domestic shifts. A peace deal between the US and Iran has led to a drop in oil prices, promising relief for those on fixed incomes. Meanwhile, the Reserve Bank of Australia paused interest rate hikes, offering better savings rates for retirees. The Federal Budget has introduced major changes to property investment rules, but your family home remains protected. As we look ahead, the big questions loom: will the peace hold, and how will these changes impact your financial future? Read on for insights tailored to your needs.
- [How Much to Retire on the Sunshine Coast (2026)](https://sunlitpath.com.au/how-much-money-do-i-actually-need-to-retire-on-the-sunshine-coast-2026-guide/): 2026 figures: ASFA and Super Consumers Australia benchmarks, how the Age Pension fits in, the 60–67 bridge years, and what $800k could look like.
- [Market falls near retirement: how a cash buffer can work](https://sunlitpath.com.au/market-crash-retirement-sunshine-coast/): If the stock market crashes the year you retire, selling your investments to fund your lifestyle permanently locks in those losses. This is called the "Bad Timing Tax." To prevent it, you need a cash buffer that covers your living expenses while your main investments recover.
- [Losing your sense of identity after work: what can help](https://sunlitpath.com.au/the-hidden-retirement-fear-nobody-talks-about/): Many hard-working Australians fear losing their identity and purpose when they stop working. To fix this, you must build a daily routine that replaces the social connection, mental challenge, and steady paycheck your career provided. You need a clear plan for your time, not just your money.
- [Division 296 Tax: Sunshine Coast Couple Strategy](https://sunlitpath.com.au/division-296-tax-super-equalisation-strategy/): Worried about the $3m super tax cap? Learn how spouse equalisation and re-contribution strategies can protect your family’s wealth. A Sunlit Path guide.

## Pages

- [Financial Services Guide](https://sunlitpath.com.au/financial-services-guide/): Our Financial Services Guide (FSG) explains the services we offer, how we are paid, and how to raise a complaint.
- [AI Chatbot Retirement Checklist](https://sunlitpath.com.au/ai-chatbot-retirement-checklist/): If you've used ChatGPT or another AI chatbot to plan your retirement, this checklist helps you check its answers against Australian rules, such as preservation age, Age Pension age and pension drawdowns, and against your own life, before you act on anything it suggested.
- [Retirement Planning Checklists](https://sunlitpath.com.au/insights-and-education-sunlit-path/retirement-planning-checklists/): Our retirement checklists help you think through money and lifestyle at each stage: getting retirement ready, planning ten years out, choosing a retirement village, finding purpose through volunteering, and checking AI chatbot ideas.
- [Retirement Village Checklist](https://sunlitpath.com.au/retirement-village-checklist/): This retirement village checklist helps you weigh the lifestyle against the costs before you sign: the contract type, entry price, ongoing charges, exit fee, what happens to any capital gain, and how the move affects the Age Pension and downsizer super contributions.
- [Book Meeting](https://sunlitpath.com.au/contact-financial-advisor-sunshine-coast/book-meeting/): A relaxed chat by phone or video call, working through a simple retirement checklist.
- [Volunteer Ready Checklist](https://sunlitpath.com.au/volunteer-ready-checklist/): Looking for a volunteer role that adds to your retirement without taking over your week?
- [10-Year Horizon Checklist](https://sunlitpath.com.au/10-year-horizon-checklist/): This 10-year checklist is for people in their 40s and 50s planning ahead for retirement.
- [Accessibility](https://sunlitpath.com.au/accessibility-statement/): We want our website to be easy to use for as many people as possible, whatever their abilities, including people who rely on assistive technologies like screen readers, screen enlargement software, and alternative keyboard input devices to navigate the web.
- [Retirement ready checklist](https://sunlitpath.com.au/retirement-ready-checklist/): This retirement planning checklist helps you check your readiness across five areas: having enough money, what you want to do, the people around you, your sense of purpose and whether your home suits the years ahead.
- [Terms and Conditions](https://sunlitpath.com.au/terms-and-conditions/): Welcome to the website of Sunlit Path Retirement Partners.
- [Estate Planning](https://sunlitpath.com.au/services/estate-planning-financial-advice/): Estate planning advice looks at the financial side of passing on what you have: super nominations, how assets are held, tax on super left to adult children and how it all fits your will.
- [Aged care](https://sunlitpath.com.au/services/aged-care-advice-sunshine-coast/): When you or someone you love needs care, the complex rules and paperwork shouldn’t be the hardest part.
- [Annuities and investment bonds](https://sunlitpath.com.au/services/creating-income-with-annuities-and-investment-bonds/): An annuity turns a lump sum into regular payments for a set term or for life.
- [Tax strategies](https://sunlitpath.com.au/services/retirement-tax-strategies/): Tax in retirement depends on where your income comes from.
- [Investment management](https://sunlitpath.com.au/services/investment-management-sunshine-coast/): Investment management at Sunlit Path means your super and savings are spread across diversified investments and matched to when you'll need the money: cash for the next year or two, a balanced mix for the medium term, and growth assets for later.
- [Superannuation and pensions](https://sunlitpath.com.au/services/superannuation-pension-advice/): Superannuation advice helps you decide when you can access your super, how to turn it into income and how it fits with the Age Pension.
- [Engagement Process](https://sunlitpath.com.au/meet-simon-pederson-retirement-advisor/our-engagement-process/): Six clear steps, at your pace.
- [Path to Prosperity](https://sunlitpath.com.au/meet-simon-pederson-retirement-advisor/path-to-prosperity-retirement-planning-sunshine-coast/): There's more to retirement than a super balance.
- [Aged Care](https://sunlitpath.com.au/retirement-planning-for-every-life-stage/aged-care-financial-advice-sunshine-coast/): Aged care financial advice helps you work out how to pay for care, what to do with the family home, and how fees affect the Age Pension.
- [Divorce, Widowhood & TPD Advice](https://sunlitpath.com.au/retirement-planning-for-every-life-stage/compassionate-financial-advice-for-life-transitions/): Financial advice after divorce, the loss of a partner or a TPD payout starts with taking stock, not rushing.
- [In Retirement](https://sunlitpath.com.au/retirement-planning-for-every-life-stage/retirement-income-streams-advice/): Transition to retirement lets you draw part of your super as income from preservation age while you keep working.
- [Pre-Retirees](https://sunlitpath.com.au/retirement-planning-for-every-life-stage/pre-retirement-planning-sunshine-coast/): Retirement planning in the five to ten years before you stop work helps you choose a realistic retirement date, check how much income your super and the Age Pension could provide, and get debts and paperwork ready.
- [Pricing](https://sunlitpath.com.au/meet-simon-pederson-retirement-advisor/financial-planner-cost-sunshine-coast/): You should know what you'll pay before you decide anything.
- [About Us](https://sunlitpath.com.au/meet-simon-pederson-retirement-advisor/): Hi, I'm Simon. I'm a local financial planner on the Sunshine Coast, and I help people plan for retirement and live well in it.
- [Life Stages](https://sunlitpath.com.au/retirement-planning-for-every-life-stage/): Retirement advice changes as you move through retirement. Before you stop work, it's about how much you need and when.
- [Insights & Education](https://sunlitpath.com.au/insights-and-education-sunlit-path/): Verified client reviews on Adviser Ratings (4.92 from 83 reviews).
- [Home](https://sunlitpath.com.au/): Easy to talk to, and explains things in a way you can understand.
- [Services](https://sunlitpath.com.au/services/): Sunlit Path gives personal financial advice to people planning for or living in retirement.
- [Contact](https://sunlitpath.com.au/contact-financial-advisor-sunshine-coast/): To talk to Sunlit Path, call Simon Pederson on (07) 5327 3495 (Monday to Friday, 9 am to 5 pm) or book a 30-minute Fit Check online.

## Optional

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