Empowering Veterans to confidently secure their financial future

Bespoke Financial Advice and Services for Veterans provided by Veterans
VETERAN CAPITAL

Financial outcomes for Veterans.

Empowering Veterans and their families achieve optimal financial outcomes.

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Empowering Veterans to confidently secure their financial future

Bespoke Financial Advice and Services for Veterans provided by Veterans

ADF Super, ADF Cover, MSBS, DFRDB A Class, B Class or C Class invalidity benefits

Understanding ADF Super, ADF Cover, MSBS and DFRDB A Class, B Class or C Class invalidity benefits can feel complex—especially when you’re trying to plan ahead or navigate medical discharge. At Veteran Capital, we specialise in helping Australian Defence Force members and veterans make sense of their military superannuation, insurance entitlements and invalidity classifications. Our advice is clear, practical and tailored to your service history, ensuring you make informed decisions about your financial future.

Why Choose Us for ADF Super, ADF Cover, MSBS, DFRDB A Class, B Class or C Class invalidity benefits

We understand the Defence environment, the pressures of transition and the complexities of military super schemes. As specialists in ADF financial structures, we offer guidance grounded in years of experience working with serving members, veterans and medically transitioning personnel. Our approach is transparent, supportive and focused on helping you secure the best long-term outcome.

Our ADF Super, ADF Cover, MSBS, DFRDB A Class, B Class or C Class invalidity benefits Services

We provide end-to-end support across all major military superannuation and benefit schemes, including:

  • ADF Super & ADF Cover Analysis – Understand your invalidity benefit, contributions, insurance cover and your entitlements. 
  • MSBS Guidance – Clear explanations of your invalidity benefit, preserved, deferred and pension entitlements. 
  • DFRDB Entitlement Support – Assistance interpreting A, B and C Class invalidity classifications. 
  • Invalidity Benefits Advice – Guidance through assessments, transitions and potential reclassification outcomes. 
  • Transition Financial Planning – Tailored strategies to support life after service. 

ADF Super, ADF Cover, MSBS, DFRDB Invalidity Benefits: How It Works

Our process makes complex information simple and personalised:

  1. Initial Consultation – We review your service details, scheme membership and current entitlements. 
  2. Benefit & Super Assessment – Detailed breakdown of your military super structure, insurance cover and potential invalidity benefits. 
  3. Strategy Development – You receive a clear, tailored plan based on your goals and circumstances. 
  4. Implementation Support – We guide you through paperwork, entitlements and next steps. 
  5. Ongoing Advisory – As your classification or life situation changes, we adjust your strategy. 

Benefits of Working with Us

Clients choose Veteran Capital for our Defence-specific expertise, personalised service and long-term commitment. We’ve helped many ADF members understand their superannuation, maximise entitlements and build financial confidence during complex transitions. Our focus is always on clarity, transparency and practical outcomes.

FAQs About ADF Super, ADF Cover, MSBS, DFRDB A Class, B Class or C Class invalidity benefits

  1. Can you explain the difference between the various military super schemes?
    Yes, we break down ADF Super, MSBS and DFRDB in simple, clear terms.
  2. Do invalidity classifications impact my long-term benefits?
    They can. We help you understand potential financial implications.
  3. Can you assist with discharge planning?
    Absolutely—we specialise in financial planning for transition and medical separation.
  4. Do you provide advice Australia-wide?
    Yes, through in-person and online appointments.
  5. Can I get a review of my current invalidity classification?
    We guide you through reviewing or understanding your current invalidity benefit.
  6. Do you work with veterans as well as current members?
    Yes, we support current serving members, former members and medically discharged personnel.

Get Started with ADF Super, ADF Cover, MSBS, DFRDB A Class, B Class or C Class invalidity benefits Today

Get clarity, confidence and personalised guidance from specialists who understand the Defence community. Contact Veteran Capital today to discuss your ADF Super, ADF Cover, MSBS or DFRDB invalidity benefits and plan your financial future with certainty.
Call 0460 003 557 to get started.

About Us

Let us empower you and your family to confidently make impactful financial decisions

Veteran Capital is a Veteran Owned and Operated business was established to help Veterans and their families achieve financial security through education, awareness, and tailored advice.

We work with you and your family to help you understand and navigate the complexities of the various unique benefits and entitlements made available to our community.

We specialise in all aspects of Military Benefits and Entitlements ranging from Military Superannuation Schemes (ADF Super, MSBS and DFRDB), Department of Veterans Affairs (PI, SRDP and DHOAS), ADF Conditions of Service (HPAS, HPSEA, Salary Packaging) and Holistic Financial Advice (Investments, Superannuation, Retirement Planning, Insurances and Estate Planning).

We have firsthand experience navigating the unique and complex financial ecosystem that Veterans and their families are confronted with during and after their service.

You can trust the team at Veteran Capital to have your six at every step of your financial journey.
About Us

Let us empower you and your family to confidently make impactful financial decisions

Veteran Capital is a Veteran Owned and Operated business was established to help Veterans and their families achieve financial security through education, awareness, and tailored advice.

We work with you and your family to help you understand and navigate the complexities of the various unique benefits and entitlements made available to our community.

We specialise in all aspects of Military Benefits and Entitlements ranging from Military Superannuation Schemes (ADF Super, MSBS and DFRDB), Department of Veterans Affairs (PI, SRDP and DHOAS), ADF Conditions of Service (HPAS, HPSEA, Salary Packaging) and Holistic Financial Advice (Investments, Superannuation, Retirement Planning, Insurances and Estate Planning).

We have firsthand experience navigating the unique and complex financial ecosystem that Veterans and their families are confronted with during and after their service.

You can trust the team at Veteran Capital to have your six at every step of your financial journey.
Our Services

Supporting Veterans and their families with expert, tailored financial advice.

At Veteran Capital, our services are designed to simplify the complex financial world for Veterans and their families. From military superannuation schemes to DVA benefits, we provide tailored guidance every step of the way. Our goal is to ensure clarity, confidence, and long-term financial security. Explore our specialised services below to see how we can support your journey.
  • TRANSITION ADVICE
  • DVA PERMANENT IMPAIRMENT
  • DVA SPECIAL RATE DISABILITY PENSION
  • HOLISTIC FINANCIAL ADVICE
VETERANS TRUST

Why Choose Us?

Advice built on trust, experience, and understanding.
Veteran-Owned & Operated
We understand your journey because we’ve lived it ourselves.
Specialised in Military Super
Expertise across DFRDB, MSBS, and ADF Super schemes.
DVA Benefits Knowledge
Clear guidance through complex entitlements and claims.
Holistic Financial Advice
Tailored strategies that cover every aspect of your financial life.
Trusted by Veterans & Families
A proven track record of delivering real results.
Commitment to Your Future
Dedicated to securing financial stability and peace of mind.
Veteran-Owned & Operated
We understand your journey because we’ve lived it ourselves.
Specialised in Military Super
Expertise across DFRDB, MSBS, and ADF Super schemes.
DVA Benefits Knowledge
Clear guidance through complex entitlements and claims.
Holistic Financial Advice
Tailored strategies that cover every aspect of your financial life.
Trusted by Veterans & Families
A proven track record of delivering real results.
Commitment to Your Future
Dedicated to securing financial stability and peace of mind.

Take Control of Your Financial Future

Speak with our team of experienced advisors who understand the unique needs of Veterans and their families. Together, we’ll build a plan to secure your financial confidence and peace of mind.
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Questions

Frequently Asked Questions

1
What is the difference between DFRDB, MSBS, and ADF Super?
What is the difference between DFRDB, MSBS, and ADF Super? DFRDB is a defined benefit scheme closed to new entrants since 1991, MSBS is a hybrid scheme (part defined benefit, part accumulation) closed since 2016, and ADF Super is a fully accumulation-based fund for those who joined after 1 July 2016.
2
How do I know which military super scheme I belong to?
It depends on when you joined the ADF (or changed from reservist status) and whether you've had breaks in service. Defence’s Superannuation & Pay & Conditions department can help you determine your scheme.
3
What entitlements am I eligible for under the Department of Veterans’ Affairs (DVA)?
Entitlements may include service pensions, disability or incapacity payments, medical care and allied health cover, rehabilitation programs, and special payments depending on your service history and specific circumstances. Veteran Capital can guide you through what you may be eligible for. (Internal reference)
4
Can I combine or transfer benefits from one scheme to another?
Some sections (like accumulation components) of certain schemes may be portable or transferable; however, defined benefit components usually are not transferable. Each situation is different, so we review your service history to see what’s possible.
5
How does leaving the ADF affect my financial and superannuation position?
Transitioning out of the ADF often triggers key decisions: what to do with your existing super scheme, whether to commute any pension, how to maximise benefits, how DVA entitlements kick in, and how your financial plan needs to adapt for civilian income. We provide support to plan this well in advance.
6
What fees or costs are involved when working with Veteran Capital for advice on my super or entitlements?
We aim to be transparent: any fees for advice are disclosed up-front. Depending on what services you need (super review, entitlement claims, investment advice etc.), there may be different structures (flat fee, percentage of assets, or hourly rate). We’ll provide you a clear quote before any work begins. (Internal reference).
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