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Are you earning a respectable income and want more to show for it?

Do you want to feel more confident about what the future has in store for you?

Is 2018 the year that you’re prepared to do something about it?

If you answered yes to any of these questions, then getting a seat at our next Financial Bootcamp workshop is a must.

We will show you

  • The importance of understanding what you personally want to achieve in life and how shifting your mindset towards achieving it will impact on your success.
  • How different influences in your past can impact on your relationship with money today
  • Key principles that will allow you to manage your budget, pay off your debt and build solid financial foundations to set you on the path to achieving your dreams.

Event detail

Date: Thursday 15th February 2018

Time: 5.45pm-8pm

Location: Nowra Golf Club

Cost: Completely free. No sales pitch, and there is nothing at all to purchase. We run this workshop because at Puddle 2 Pond Financial we have a passion to help as many people as possible avoid the mistakes and educate them for the best chance of financial success.

Bookings: https://www.eventbrite.com.au/o/puddle-2-pond-financial-pty-limited-13346502082

Includes drinks and nibbles

This is no ordinary finance workshop. So don’t miss out.



Government changes to the pension asset test are likely to impact the entitlements of some pensioners. These changes come into effect from 1 January 2017 and will apply to age pensioners as well as those in receipt of Disability Support Pension, Carers Payment and Service Pension.

Assets test thresholds will change

The table below shows the new asset test thresholds that will be effective from 1 January 2017.

                                                           Asset threshold full pension           Asset threshold part pension 
                                                             Current         1 Jan 2017                        Current           1 Jan 2017
Single – Homeowner                           $209,000      $250,000                            $793,750           $542,500
Single – Non Homeowner                   $360,500      $450,000                            $945,250           $742,500
Couple – Homeowner                         $296,500      $375,000                            $1,178,500        $816,000
Couple – Non Homeowner                 $448,000      $575,000                            $1,330,000        $1,016,000

The lower assets test threshold is the amount of assessable assets pensioners can hold before pension entitlement begins to reduce under the assets test. Once assessable assets exceed the higher threshold, pension entitlement will be nil.

Taper rate to increase

From 1 January 2017, the maximum payment a pensioner can receive will be reduced by $3.00 per fortnight for every $1,000 of assets they hold above the asset test threshold for full pension. This is an increase from the current taper rate of $1.50 per fortnight for each $1,000 of excess assets.

How your pension may be affected

The changes to the asset test thresholds will broadly mean:

  • Pensioners with assessable assets below or ‘around’ the lower threshold are likely to maintain their current level of pension or potentially see an increase in their pension entitlement.
  • Pensioners with assessable assets above the lower threshold are likely to see a reduction in their pension entitlements – in some cases to nil – as a result of the increased taper rate.

We’re here to help

If you want to know more about how the new changes may affect your pension entitlements or explore strategies to help reduce the impact of the changes, please contact me on 02 4424 0479.


Alternatively come along to our Seminar where we will explain the changes and share some tips we use to maximise your Centrelink entitlements.

When: Thursday 10th November

Time: 10am – 11.20am

Where: Bomaderry Bowling Club

Included: Morning Tea (light refreshments, Tea / Coffee)

Speakers: Amanda Pond -Puddle 2 Pond Financial & Paris Kritikos: – Challenger Limited

RSVP: Tuesday 8th November

Contact our office on 02 4424 0479 to reserve your place.

Contact us

50 Junction St Nowra, NSW 2541 Ph: 0411 635 164 Fax: 02 4403 0574 info@puddle2pond.com.au Planners: Amanda Pond

This website contains general information only. It does not take into account your objectives, financial situation or needs. Please consider the appropriateness of the information in light of your personal circumstances.

Puddle 2 Pond Financial Pty Limited, ABN 14 159 325 603, is an Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited, Australian Financial Services Licensee and Australian Credit Licensee.

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