Empowering Veterans to confidently secure their financial future

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

Financial outcomes for Veterans.

Empowering Veterans and their families achieve optimal financial outcomes.
Enquire Now

Error: Contact form not found.

Empowering Veterans to confidently secure their financial future

Bespoke Financial Advice and Services for Veterans provided by Veterans
Enquire Now

planned retirement

Preparing for planned retirement is one of the most important financial steps you’ll take, and it’s essential to do it with the right guidance. At Veteran Capital, we help Australians—particularly veterans and ADF members—map out a clear, confident path towards retirement. Whether you’re transitioning from service, restructuring your superannuation, or planning long-term income security, our team ensures your retirement strategy is aligned with your goals and lifestyle.

Why Choose Us for Planned Retirement

A successful retirement plan requires more than numbers on a page. It requires understanding your service history, your superannuation structure, your financial obligations and your future aspirations. At Veteran Capital, we offer personalised support, transparent advice and proven experience helping those who have served. We’re committed to ensuring your retirement years are financially secure and aligned with your vision for life after work.

Our Planned Retirement Services

We provide a comprehensive suite of guidance tailored to your individual needs, including:

  • Retirement income planning to ensure you maintain financial stability. 
  • Superannuation review and optimisation to maximise your benefits. 
  • Transition-to-retirement (TTR) strategies to help you scale back work smoothly. 
  • Veteran-specific retirement pathways for those transitioning out of ADF service under ADF Super, MSBS or DFRDB. 
  • Financial goal mapping that balances lifestyle needs with long-term security.
     All services are designed to give you clarity and confidence as your retirement approaches. 

Planned Retirement: How It Works

Our process is simple and supportive:

  1. Initial chat to understand your goals, timelines and financial position. 
  2. Assessment of your super and retirement eligibility, including military-related benefits. 
  3. Creation of a personalised retirement plan tailored to your income needs and future aspirations. 
  4. Ongoing support as you implement your plan and approach your retirement milestones.
     We aim to make the transition smooth, informed and stress-free. 

Benefits of Working with Us

  • Personalised strategies built around your own financial goals 
  • A deep understanding of ADF and veteran entitlements 
  • Clear, practical guidance that makes retirement planning approachable 
  • Trusted support from a team committed to long-term outcomes 

FAQs About Planned Retirement

When should I start planning for retirement?
 Ideally several years before you intend to retire, but it’s never too late to begin.

Can you help with superannuation decisions?
 Yes, we review and guide you through your super options.

Is retirement planning different for veterans?
 It certainly is—your ADF Super, MSBS or DFRBD entitlements can significantly influence your retirement plan.

What income options are available in retirement?
 Options include pensions, super income streams and tailored investment strategies.

Do you help with transitioning from full-time work?
 Yes, including TTR strategies and financial timeline planning.

Get Started with Planned Retirement Today

If you’re ready to take control of your financial future, Veteran Capital is here to support you every step of the way. Call 0460 003 557 to begin your planned retirement journey today.

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.
Read More
Book Your Appointment
Call Us
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.
View More
  • TRANSITION ADVICE
  • DVA PERMANENT IMPAIRMENT
  • DVA SPECIAL RATE DISABILITY PENSION
  • HOLISTIC FINANCIAL ADVICE
Enquire Now
Enquire Now
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.
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.
Call Us Now
Call Any Time
0460 003 557
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).
Call Any Time
0460 003 557
OUR BLOGS

News And Updates

Reviews

Happy Customer Thoughts

Truly understands Veterans
Finally, an advisor who genuinely understands the unique financial challenges Veterans face. The team at Veteran Capital made navigating my superannuation and DVA entitlements so much easier. I feel more confident about my financial future now.
- Mark T., Former ADF Member
Supportive and professional
From our very first meeting, Veteran Capital took the time to really listen and explain everything clearly. They went above and beyond to help my family understand our benefits and create a plan that actually works for us.
- Sarah L., Defence Spouse
Peace of mind for the future
Transitioning out of the ADF was daunting, but Veteran Capital guided me every step of the way. Their knowledge of MSBS and DVA benefits was outstanding, and I now have peace of mind knowing my finances are in safe hands.
- David P., Army Veteran
REACH US

Enquire Now

Want to get in touch? we'd love to hear from you.here's how you can reach us