BEWARE...I had a disaster experience with this company. My pension application date was coming up as I had other matters to deal with put the application process in RETIREMENT ESSENTIALS capable hands...so I thought All did not go well. As per other comments here they do not answer their phone they only take calls in the afternoon they do not answer email. From the beginning dont be fooled by the low advertised price. Mine was straight forward however the fee was 550. I completed the profile paid the fee submitted the claim. Several days past finally I was greeted by an email from my advisor I wont name him in a public forum...but PM if you would like it...part of that request involved arranging Centrelink to deal directly on my behalf with RETIREMENT ESSENTIALS. That was all done from my end within 30mins confirmation sent to my advisor the same day. Here I will shorten what transpired after that. My advisor then when quiet. Nothing came back for several weeks DESPITE my now daily reminders. I wrote to their complaints department twice as they didnt answer the first request 5 weeks later I was left frustrated any confidence I had in this process with RETIREMENT ESSENTIALS had evaporated. I couldnt let this company deal directly with Centrelink not knowing what was going on...do they ghost Centrelink like they did me. Probably. So here is the outcome. Finally RETIREMENT ESSENTIALS customer service manager contacted me by email. It was a nice email filled with apologies. Apologies aside all trust had been lost. Ihe agreed that we would part company at that point in all fairness to RETIREMENT ESSENTIALS they did the right thing refunded me for the full amount. So I will leave RETIREMENT ESSENTIALS experience at that move on to what I did next. I went to MyGov Centrelink on my PC I filled the forms in myself. It was a very easy process which took all up with scanning the required documents less than 2 hours to complete submit. The Centrelink form has most of your information to start with the balance of the questions are prompted in a manner that are straight forward easily answered. Give it a go yourself before being disappointed with RETIREMENT ESSENTIALS poor service.