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 pension

Navigating ADF Super, ADF Cover, MSBS and DFRDB A Class, B Class or C Class invalidity pension entitlements can be overwhelming, especially during transition or medical discharge. At Veteran Capital, we provide Defence-focused financial advice that helps you understand your scheme, your benefits and the long-term impact of your invalidity pension classification. Our guidance is tailored to your circumstances so you can make confident decisions about your financial future.

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

We specialise in financial advice for serving members, veterans and medically discharged personnel. Our deep knowledge of ADF superannuation structures, combined with real experience supporting Defence families across Australia, means you receive clarity—not confusion. We take the time to explain complex rules in plain English and ensure every recommendation reflects your goals and service history.

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

Our advisory services cover every key aspect of your military super and pension entitlements, 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 Pension: How It Works

Our process is simple, structured and designed to deliver clarity:

  1. Initial Overview – We assess your Defence employment history and scheme membership. 
  2. Entitlement Breakdown – You receive a clear explanation of your superannuation and invalidity pension position. 
  3. Classification Impact Review – We outline how A, B and C Class pensions affect your current and future income. 
  4. Strategic Recommendations – A personalised financial plan aligned with your needs and long-term goals. 
  5. Support Moving Forward – Ongoing guidance as circumstances or classifications change. 

Benefits of Working with Us

Clients trust Veteran Capital for our Defence-specific expertise, transparent advice and commitment to long-term support. We pride ourselves on being approachable, reliable and deeply knowledgeable about the financial realities of service life and medical transition. Our focus is always on helping you make informed, confident decisions.

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

  1. What is the difference between A, B and C Class invalidity pensions?
    We explain how each classification works and the income it provides.
  2. Can you help me understand my DFRDB pension forecast?
    Yes, we provide clear, personalised breakdowns specific to your service history.
  3. Can invalidity classifications change over time?
    They can—our team helps you understand the implications and prepare for reviews.
  4. Do you offer advice nationwide?
    Yes, we support clients across Australia via phone and online appointments.
  5. Can I combine your advice with my transition planning?
    Absolutely—financial planning is a key part of successful transition.
  6. Do you assist medically discharged members?
    Yes, we specialise in supporting those dealing with medical separation and invalidity pensions.

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

Get the clarity and support you deserve from specialists who understand Defence superannuation and invalidity pensions. Contact Veteran Capital today for personalised advice on your ADF Super, ADF Cover, MSBS or DFRDB invalidity pension.
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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