Our services

We offer an extensive range of financial services which enable us to create a tailored financial plan, whatever your financial situation. We will assist you with managing your short and long term financial needs, from starting out in the workforce, through to planning for retirement.

Getting ready for retirement

One of the most popular strategies available to WA public servants is the Transition to Retirement Strategy (TTR) which allows you to access your super benefits as a regular pension income without having to retire or leave your job. When combining the TTR pension with the benefits of salary sacrificed super contributions, you are able to build more savings for your retirement. All without changing your Investment profile.

You can also begin to reduce the number of hours you work to ease yourself into your new lifestyle. So if you've reached the preservation age and are fortunate enough to have funds with GESB, let us introduce you to this unique opportunity.

You can read how we have helped hundreds of public sector employees here.

Specialised product advice for WA Public Servants

If you work - or have ever worked - as a public sector employee in Western Australia, you will have superannuation funds in one of three places; Gold State Super, West State Super or the GESB superannuation fund. Each of these three funds has its own rules and regulations which can be complex and confusing. As a result, it can be hard to find a financial adviser who fully understands the challenges of these funds.

We have many years' experience helping public sector employees make the most of their super. By taking advantage of the unique tax concessions these funds currently offer, we can show you the many possible strategies that may be worth considering in both your pre-retirement and retirement years.

How much do I need to retire

'How much do I need to retire?' is the question we're most asked and it's a great starting point. The answer, of course, depends on many factors.

The lifestyle you want to live, the day-to-day expenses you'll need and the retirement goals you've set like a special holiday, or a new boat or caravan. Maybe helping your children or grandchildren is one of your priorities. Everyone's situation's unique, but the basics of a good retirement plan remain the same.

Once we have a complete picture of your current position and your future goals, we'll offer you our informed, professional advice on how to make the most of what you have and the opportunities open to you. Your personalised plan will detail how you can take advantage of superannuation, salary packaging, cost-conscious investments, tax minimisation and more to move towards a secure financial future.

And if you've reached the preservation age, we can show you how to transition to retirement gradually and very tax-effectively.

Once your plan's been approved and implemented, we'll regularly meet with you for a financial check-up and to make any necessary adjustments.

Retirement advice for women

Women have unique challenges when it comes to money. They often live longer than men, may earn less than their male counterparts and are more likely to have time out of paid work to care for children or parents.

Single, divorced or widowed women face extra challenges, especially when it comes to retirement. Maybe their ex-husband or partner had the bulk of the couples’ superannuation savings or perhaps dominated and controlled their finances.

We’ve helped many women in these situations achieve peace of mind by showing them how, with the right strategy, they can successfully transition to retirement and increase their level of financial independence.

When goals are clearly defined and financial options clearly explained, our female clients often remark that they not only feel relieved; they feel empowered.