September 18, 2025
The Department of Veterans’ Affairs provides a wide range of benefits, from pensions and disability support to medical care and rehabilitation services.
- Peninsula on the Bay, 435 Nepean Highway, Frankston, VIC 3199
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
Australian Defence Force Super
The Australian Defence Force Super scheme is the current Military Retirement scheme in place for all ADF members who joined after 01 July 2016.
Understanding your Australian Defence Force Super is essential for building long-term financial security as a serving member or veteran. Whether you’re newly enlisted, mid-career or planning your transition out of the ADF, knowing how your superannuation works ensures you make informed, future-focused decisions.
At Veteran Capital, we’ve guided countless Defence families through the complexities of retiring from Service, whether it be via a normal mode of separation of medical, we’ve got your six. Our team has specialised firsthand experience across all three Defence retirement schemes—MSBS, ADF Super, and DFRDB.
Defence members and veterans trust us to provide clear, confident guidance tailored to the unique complexities of Military retirement schemes.
Why Choose Us for Australian Defence Force Super
Navigating the ADF Super Scheme on your own can be overwhelming. It is confusing, especially when trying to interpret ADF Cover, conditions of service and retirement structures. Let alone how this all ties in with DVA Benefits and Entitlements, and more broadly the civilian financial ecosystem. Our team specialises in providing Defence financial support and offers personalised guidance and advice based on real Defence experience.
We take the time to understand your service history, your goals and your future plans, ensuring you maximise every entitlement available to you. With transparent advice and a veteran-focused approach, we make your ADF Super entitlements easier to understand and manage at every step of the way.
Our Australian Defence Force Super Services
Veteran Capital delivers tailored support across all areas of Defence superannuation. Our key services include:
- Benefit and entitlement explanations tailored to your rank, service length and transition plans (voluntary or medical)
- Guidance on superannuation contributions and retirement options
- Support during discharge or transition to ensure your benefits continue smoothly
- Financial planning assistance to help you align ADF Super outcomes with your long-term goals
- Clarity across all ADF Super benefits, preservation rules, Invalidity Benefits and payout structures
We ensure you fully understand how your super works and how to maximise it throughout your Defence career and into retirement.
Australian Defence Force Super – How It Works
- ADF members contribute to their superannuation through ADF Super.
- The Commonwealth contributes an employer amount based on your service eligibility.
- Your super grows over time through contributions and investment performance.
- Your benefit access rules depend on your age, preservation status and discharge conditions.
- Veteran Capital helps you apply these rules, ensuring you understand what you can access and when.
Our step-by-step approach gives you clarity and control over your Defence superannuation.
Benefits of Working with Us
- Veteran-focused financial advice with personal lived experience and understanding of Service life, Military Benefits and Entitlements.
- A no bullshit approach to Financial Advice, with clear concise explanations without unnecessary and confusing jargon. Bottom line – we’re here for you. We’re not here to flog confusing or expensive products that you don’t need
- Guidance on ADF Super contributions and investment options
- Clarity around employer contributions and how they’re calculated
- Assistance understanding the differences between ADF Super and older schemes
- Support for transitioning members, including rollover options, benefit access rules and Invalidity benefits.
- Financial planning that incorporates superannuation, insurance and retirement goals
FAQs About Australian Defence Force Super
- What is ADF Super?
ADF Super is the superannuation scheme for ADF members who joined from 1 July 2016 onward. - Does the ADF pay employer contributions?
Yes, the Commonwealth contributes to your super based on your service. - Can I choose my investment options?
ADF Super allows you to select investment strategies that align with your goals. - What happens to my super when I transition out?
You can keep your ADF Super account or roll it into another fund. - Is ADF Super different from MSBS?
Yes — MSBS is a hybrid defined benefit scheme closed to new members, while ADF Super is a modern accumulation fund. - Can I access my super early?
Only under specific conditions defined by preservation rules.
Get Started with Australian Defence Force Super Today
If you’re ready to understand and maximise your Australian Defence Force Super, the team at Veteran Capital is here to guide you every step of the way. Get expert, Defence-focused financial advice today by calling 0460 003 557 .
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.
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.
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.
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Why Choose Us?
Advice built on trust, experience, and understanding.
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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OUR BLOGS
News And Updates
September 18, 2025
The Department of Veterans’ Affairs provides a wide range of benefits, from pensions and disability support to medical care and rehabilitation services.
August 18, 2025
Leaving the Australian Defence Force is more than just a career change – it’s a complete lifestyle shift. Along with adjusting to civilian life,...
July 18, 2025
Navigating military superannuation can feel overwhelming, especially with three different schemes – DFRDB, MSBS, and ADF Super.
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