In simple terms what you seem to intend to do is to reallocate to QLD and either go into semi or early retirement. Some people do that while anticipating that when of pension age, the government pension either in full or in part will be there for them. If that is part of your current plan then you should ask to see a Centrelink financial planner (it will cost you nothing) as he or she will be the best person to advise you about how to reorganize your financial affairs, inclusively whether or not you should consider offloading some of your assets to your children. Since you seem to have some disabilities you should also consider if living in a unit would be the best option specially if it nvolves having to climb starts. After we reach a certain age any news about our health will always be bad news.
