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Free online course

Retirement Academy

The Rask Retirement Academy is a comprehensive 10-part online course designed for Australians aged 50+ who are starting to think seriously about retirement but may feel underprepared – financially or otherwise.

Updated 2026

Retirement Academy course artwork
Free
Beginner friendly
Fully online
10 modules
62 lessons
8 hr 8 min

Retirement Academy course overview

The Rask Retirement Academy is a comprehensive 10-part online course designed for Australians aged 50+ who are starting to think seriously about retirement but may feel underprepared – financially or otherwise.

Whether you’re feeling overwhelmed by jargon, unsure where to start, or wondering how your super, pension, property, and investments fit together, this course is here to help you take control and build a retirement plan grounded in confidence and clarity – not fear.

Led by qualified financial professionals and backed by the trusted Rask Education team, the Rask Retirement Academy covers everything from understanding your personal balance sheet to building a lasting retirement income, knowing when and how to access your super, goal-setting, and applying real-world strategies that are often reserved for paying clients.

With practical tools, video explainers, downloadable spreadsheets, real-life retiree voices, and a step-by-step roadmap, this course is everything we wish every Australian had access to – regardless of wealth.

The Rask Retirement Academy is designed for:

  • Everyday Australians – who may not meet the asset threshold for personalised advice but want to take ownership of their financial future in retirement.

  • Pre-retirees aged 50–55 – looking for clarity on how much they need, when they can retire, and how to get from A to B confidently.

  • People relying partly or fully on the Age Pension – who want to understand how it works, what they’re entitled to, and how to structure their finances to make the most of it.

  • Homeowners unsure how property fits into their plan – especially those “asset rich, cash poor” households trying to navigate downsizing, investing, or renting.

  • Super members – who know they have a super fund but aren’t sure if it’s the right one, or how to optimise it in the final stretch before retirement.

  • Late starters – those who feel like it’s “too late” to build wealth, but want to learn what levers they can still pull to improve their quality of life.

  • Sceptics of financial jargon – if you’ve ever left a conversation about retirement feeling more confused than when you started, this course is built for you.

What you’ll get:

  • A 10-week online course covering retirement planning from the ground up

  • Short, engaging video lessons and optional quizzes to test your knowledge

  • Downloadable tools, checklists, calculators, and retirement budget planners

  • A “retirement readiness” checklist on completion

  • The Rask stamp of independence: no product pushing, just real education

  • Clear definitions and plain-English breakdowns of key terms

You don’t need a finance degree to make better money decisions. You just need the right course, the right mindset, and a little bit of guidance.


Let’s make your next chapter your best one yet.

Expert instructors

Rask instructors come from our internal team and industry network. We use that network to bring you practical financial education for free.

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Tahli Cavagnino

Tahli Cavagnino

Tahli is a Senior Financial Adviser with the Rask team. She has spent years working with a wide range of clients, with a particular interest in helping Australians navigate pre- and post-retirement life. Tahli takes a human-first approach to personal finance, without judgement or technical jargon.

Course curriculum

Review the modules and lessons included in this course.

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01The big picture – what is retirement?5 lessons · 40 min

Hello and welcome to the Rask Retirement Academy – we’re so glad you’re here! So, you’ve worked your butt off and you’re sitting here at the screen today thinking: “Surely, I have done my time?!” Something has obviously triggered you to enrol in this course. Maybe it’s…

  1. What does the typical retirement look like in Australia?Lesson · 8 min
  2. The baby boomer generationLesson · 8 min
  3. So, what is Super?Lesson · 8 min
  4. What are the tax rules that apply to super?Lesson · 8 min
  5. Let’s talk more on that “third pillar”Lesson · 8 min
02Your personal balance sheet4 lessons · 32 min

The first subtopic we need to cover off in lesson two is “what is a personal balance sheet and why is it important?” A balance sheet, at its core, is a summary displaying Assets – Liabilities = Equity We typically think of these when talking about business, but less often do we…

  1. AssetsLesson · 8 min
  2. LiabilitiesLesson · 8 min
  3. Net worth (equity)Lesson · 8 min
  4. Key tips & trapsLesson · 8 min
03Goal setting for retirement5 lessons · 40 min

Now that you’ve started to build a clearer picture of your financial position, it’s time to talk about the “why”. We all have different reasons for wanting to retire – more time with family, less stress, better health, or simply not wanting to set an alarm every morning. But…

  1. How much do I need for retirement?Lesson · 8 min
  2. Setting the budgetLesson · 8 min
  3. Quick detour – how long will I spend in retirement?Lesson · 8 min
  4. Calculating the savings targetLesson · 8 min
  5. Other goals to considerLesson · 8 min
04Laying the Foundations for income in Retirement5 lessons · 40 min

Retirement Academy Laying the Foundations for income in Retirement In Progress Lesson Progress 0% Complete Lesson Content 0% Complete 0/5 Steps Super – 101 So, when can I actually get my hands on my super? Property – 101 Investments – 101 Age pension – 101 Lesson 4 quiz…

  1. Super – 101Lesson · 8 min
  2. So, when can I actually get my hands on my super?Lesson · 8 min
  3. Property – 101Lesson · 8 min
  4. Investments – 101Lesson · 8 min
  5. Age pension – 101Lesson · 8 min
05Superannuation tips & tricks12 lessons · 1 hr 36 min

So, we’ve covered the basics of super in the previous lesson. Now its time to dig a little deeper. This lesson we’re going to cover off: Putting money into your super Growing the money that’s in there Taking money out Inside each of the above topics, we’ll equip you not only…

  1. Putting money inLesson · 8 min
  2. Government co-contributionsLesson · 8 min
  3. Spouse contributionsLesson · 8 min
  4. Contribution SplittingLesson · 8 min
  5. Growing the money that’s in thereLesson · 8 min
  6. Taking money outLesson · 8 min
  7. Account Based Pension (ABP) or “retirement income account”Lesson · 8 min
  8. Transition to Retirement (TTR)Lesson · 8 min
  9. Case study: Meet SusanLesson · 8 min
  10. Lump sum withdrawals from an accumulation accountLesson · 8 min
  11. Getting strategic with itLesson · 8 min
  12. Is your super in good shape?Lesson · 8 min
06Property6 lessons · 48 min

As we mentioned in lesson 4, there’s 2 categories of property that we need to consider: investment property/ies, and our principal place of residence. In our latter years, sometimes, our ‘PPOR’ (intentionally or not), becomes our largest store of wealth. In this lesson, we’re…

  1. Tax implicationsLesson · 8 min
  2. Property v sharesLesson · 8 min
  3. Asset rich, cash poorLesson · 8 min
  4. DownsizingLesson · 8 min
  5. Home Equity Access SchemeLesson · 8 min
  6. I’m still renting – what are my options?Lesson · 8 min
07Investing outside of Super3 lessons · 24 min

So now that we’ve talked about superannuation and property, you’ve got a pretty solid handle on the two major assets of our pre-retiree segment in Australia. Beyond this, investing in the market outside of superannuation provides an alternative avenue for wealth building, and…

  1. If tax is superior inside super, why would I bother investing outside of it?Lesson · 8 min
  2. Investment bond deep diveLesson · 8 min
  3. An intro to the stock marketLesson · 8 min
08Aged pension and other social security – how it works & why14 lessons · 1 hr 52 min

Warning: This is the longest lesson in the course. Like, make-yourself-a-cup-of-tea-and-block-out-an-afternoon-or-three long. But before your eyes glaze over – stick with us. Because when it comes to unlocking government payments in retirement (aka free money), understanding…

  1. Eligibility criteriaLesson · 8 min
  2. Quick Detour: Deeming explainedLesson · 8 min
  3. Assessment case studyLesson · 8 min
  4. I live in a flat at my child’s home – does Centrelink classify me as a homeowner?Lesson · 8 min
  5. Exempt assetsLesson · 8 min
  6. Funeral Bonds & Prepaid Funerals: Grim, but Genius?Lesson · 8 min
  7. GiftingLesson · 8 min
  8. Spouse’s Accumulation SuperLesson · 8 min
  9. Lifetime AnnuitiesLesson · 8 min
  10. Common mistakesLesson · 8 min
  11. Additional support available – Carer Allowance / PaymentLesson · 8 min
  12. Additional support available – Rental AssistLesson · 8 min
  13. Work BonusLesson · 8 min
  14. Commonwealth Seniors Health Card (CSHC)Lesson · 8 min
09Getting financial advice7 lessons · 56 min

We get it, sometimes seeing a financial advisor might not be in your reach. But, sometimes, we have certain reservations, assumptions or self beliefs that limit us. In this lesson, we’re going to break down some common misconceptions, but also give you some additional resources…

  1. What is a financial adviser?Lesson · 8 min
  2. What is the cost and process?Lesson · 8 min
  3. Some common limiting self-beliefsLesson · 8 min
  4. How to find an advisor and what to askLesson · 8 min
  5. What do I need to prepare before meeting with an adviser?Lesson · 8 min
  6. What alternatives can I access?Lesson · 8 min
  7. Centrelink Financial Information Service OfficersLesson · 8 min
10Test your knowledge1 lesson · Self-paced

You’ve made it!! A huge congratulations to you for getting this far. The final lesson in our Retirement Academy simply requires the completion of one last quiz (she’s a big one!) and completing your self scorecard on the final tab of your Retirement Course Spreadsheet.

  1. Test your knowledgeLesson

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