ADF Super, Military Super and MSBS Advice for Veterans

Your military super is one of the biggest assets you build through your service, but its rules can differ from ordinary super. National Service Financial helps serving members and veterans understand ADF Super, military super (MSBS) and related strategies so that you can make informed decisions with confidence.

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.

Comprehensive Advice for Your Military Super

MSBS Advice

Help for members of the Military Superannuation and Benefits Scheme (MSBS) to understand your contributions, investment options, fees, and your strategy after leaving the Defence Force.

DFRDB Advice

Advice for members of the Defence Force Retirement and Death Benefits (DFRDB) scheme on pension and commutation decisions.

ADF Super Advice

For members in ADF Super to help them understand contributions, investment options and how it fits into their long-term plans.

What client say about us

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Den Coronel profile picture
Den Coronel
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The team at NSF has helped me above and beyond to get my finances in control. Through multiple consultations they have made sure to cover all areas of my personal wealth. They have provided me with an in-depth plan to carry out financial decisions, along with with support and guidance around ensuring stable financial choices. I recommend Wayne and his team for all my wealth prospects, as they have given me an amazing outlook toward my future. They have been very professional and their communication is amazing.
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REGAN ELLIOTT profile picture
REGAN ELLIOTT
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This team of people are so genuine and honest. Really recommend Wayne and the girls for ex Defence people because they know the in's and out's of all things MSBS, Super and finance! Thank you guys for your help sorting me out! 5 🌟
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James Arnold profile picture
James Arnold
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I contacted Wayne and his team at National Service Financial during my medical discharge earlier this year and they have been exceptionally helpful and professional. Their knowledge regarding the DVA and CSC processes is fantastic and they have made the whole process easier to understand. They have also supported me in other areas such as real estate and setting myself up financially moving forward. They have always made themselves available to assist me with any queries or questions that I have had. They have made a huge difference during what was a difficult and stressful time. I would highly recommend anyone seeking financial advice to contact National Service Financial.
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Tim Loone profile picture
Tim Loone
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Have been extremely happy with the service and support from Wayne and Megan. They have always been available and offer honest and frank advice. Highly recommended
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Peter Hassall profile picture
Peter Hassall
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Their in depth knowledge of the ADF Medical Discharge process and network is focussed on ADF Members getting the right result and entitlements afforded to them. The financial guidance and recommendations have assisted me in making good decisions, for our families future, post Medical Discharge.
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Levi Cahill profile picture
Levi Cahill
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During a very stressful time separating from the ADF on Medical grounds after 21 years of service, I contacted Wayne at NSF in 2020 for help. With a wife and 2 young children to also worry about, Wayne and his amazing team of professionals made themselves available not only during normal work hours but worked around what days/times worked for us. NSF guided me through my discharge process and helped us secure our first home for my family and I which relieved a lot of financial stress. I have recently contacted Wayne again as my financial situation has slightly changed and again he made himself and his extremely knowledgeable team available to successfully guide me through process's in relation to the ever evolving DVA, CSC and taxation system. So again my family and I are in a much better financial situation purely because of their due diligence and up-to-date knowledge of Veterans and their associated eligibility for various benefits and support. To say they care about their clients would be an extreme understatement.
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S
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I recommend NSF, especially for serving military members and veterans. Wayne and the team helped us after the initiation of a transition from full time military service on medical grounds. They had the ability to clearly explain the interdependence of superannuation, insurance, compensation, and pensions and helped us make some informed and immediate decisions to improve our financial stability. The provided advice was also comprehensive and incorporated our personal goals. The team understand the challenges of transition and showed exceptional empathy and support at all times. Most importantly, we were assisted in purchasing a new home and felt supported during what may have been a complex and stressful process.
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Nathan Caddis profile picture
Nathan Caddis
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Highly recommend NSF for all financial consulting needs. As a member of the defence force transitioning into the civilian world, there was alot things I needed to sort to secure my financial wellbeing. Wayne and his team were quick to sort out what I needed, liaising with both DVA and Military Super to ensure I would receive exactly what I was entitled to in minimum time. We have now sought their expertise to help with the purchase of a new home. Again they have jumped straight into action to assist, even at short notice, liaising directly with numerous lenders to secure us the best product.
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Julie Anne Uljanic profile picture
Julie Anne Uljanic
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The National Service Financial team have worked wonders to set up our SMSF and investment portfolio. From our initial contact it was easy to see that Wayne and Megan know their stuff, they are incredibly knowledgeable and professional; and really just all round great people to deal with. I would have absolutely no hesitation in recommending their services to anyone starting out with a financial planning dream or wishing to upgrade to a top notch A+ financial service.

Who We Are

National Service Financial is a veteran-owned business dedicated to helping ADF members transition smoothly from military to civilian life with expert financial guidance. We know this transition can be challenging and emotional, and we provide comprehensive support and superannuation advice to ensure a seamless transition and long-term financial security.

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Why Work With National Service Financial

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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.

why us ticks

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.

why us ticks

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.

why us ticks

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.

1 (2)

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.

2 (1)

Clear Understanding of Your Super

We explore the benefits, restrictions and decisions relevant to your specific superannuation plan.

3 (1)

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.

4 (1)

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.

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