Advisers Who’ve Served
Speak with veteran advisers who understand Defence careers, postings and transitions.
Make the Most of Your Military Super
We help you understand your scheme and the decisions within it, so you don’t leave entitlements on the table.
A Plan for Life After Service
Build a practical strategy that aligns with your income, family, and future goals to support long-term financial stability after you leave the ADF.
Your Military Super and What It Means for You
Military super works differently to ordinary super because the rules depend on which scheme you belong to. ADF Super grows through contributions and investment returns while the Military Superannuation and Benefits Scheme (MSBS) combines accumulation and defined-benefit components. Defence Force Retirement and Death Benefits (DFRDB) follows separate pension and lump-sum rules. This matters because your scheme, service history and exit circumstances can affect when you can access your super, how much you receive and the tax you pay.
Good advice connects these rules to the life you’re planning. Whether you’re serving, planning, already out or planning your ADF transition, we help you consider preservation, access, tax and investment choices alongside your family finances and life goals.
What client say about us
Why Work With National Service Financial
Veteran-Owned Business
We understand the challenges of transitioning out of service because we’ve been there. Our personal experiences inform our approach, allowing us to relate to the concerns veterans face.
Specialist Military Financial Adviser
Our advisers specialise in military financial needs and transitions. They are experienced in the complexities of post-service financial landscapes, including DVA entitlements, superannuation and insurance options.
Expertise with DVA Benefits
Our team helps you understand the full scope of your DVA entitlements, including compensation, income support and other financial resources that might be available to maximise your benefits and secure your financial future post-service.
Advice for DFRDB, MSBS and ADF Super
Get advice on the Defence Force Retirement and Death Benefits Scheme, Military Superannuation Benefits Scheme and ADF Super. We assist with these complex superannuation systems, ensuring you understand your options and make decisions in line with your financial goals.
Who We Help
- Serving members planning their super
- Veterans reviewing MSBS, DFRDB and ADF Super schemes
- Members transitioning or being medically discharged
- Veterans considering an SMSF or lump sum investment strategy
- Long-serving members reviewing older PSS or CSS schemes
Our Process
With a focus on superannuation, financial planning, and compensation reviews, our ongoing guidance ensures your financial future is secure and well planned.
Financial Discovery Appointment
We start with a financial discovery appointment. This initial meeting focuses on assessing your current financial situation, identifying key priorities and setting clear objectives for your future.
Clear Understanding of Your Super
We explore the benefits, restrictions and decisions relevant to your specific superannuation plan.
Review of Your Scheme, Options and Tax
We thoroughly assess your super scheme to identify available pathways, entitlements, associated tax responsibilities, and their potential financial consequences.
Comprehensive Financial Plan
We help you plan to support your financial stability and long-term goals. Our strategies consider your current financial situation, future aspirations and available resources, ensuring a solid foundation for post-ADF life.
Getting Your Military Super Decisions Right
Super is generally preserved until you meet a condition of release, but military schemes can include distinct pension, access and preservation rules. Some decisions are difficult to undo, tax treatment varies, and superannuation impacts any ADF transition or DVA entitlements, so it’s important to get it right.
Before acting, confirm the rules of your scheme with National Service Financial to see how a choice may affect your cash flow, investment and retirement income. Failing to do so could leave value cash on the table.
This is particularly important during a medical discharge, when military super may sit beside DVA compensation, incapacity payments or insurance benefits.
DVA-Funded Financial Advice
Veterans can receive reimbursement for financial advice that helps with decisions related to entitlements, superannuation, retirement funding, investing, or planning. This support is available through the DVA and can help veterans receive quality financial advice without worrying about their finances. Our expert financial advisors will guide you every step of the way to ensure you understand your superannuation and retirement planning, and to help you build a stable financial future as you transition to civilian life.