DVA compensation decisions are often permanent, and the choices can be hard to compare on paper. We model how each option affects your income, super, tax and Centrelink position over time, explain the trade-offs in plain language, and help you make the choice that suits your circumstances – before the deadline arrives.

Military super schemes have rules unlike any other fund, and some decisions can’t be undone. We explain how your scheme works, what your benefits are worth and how the options compare – including invalidity classifications, preserving benefits, commutation and when to take a pension.

Leaving the ADF – by choice or on medical grounds – changes your income, your super, your insurance and often your housing. We help you plan ahead so the financial side of transition is in hand, from your final pay and leave entitlements to budgeting for the first years of civilian life.

Super is one of the most tax-effective places to build wealth, but the rules change often. We review what you have, where it’s invested and what it costs, then recommend contribution strategies and structures – including whether a self-managed super fund suits you.

Retirement looks different when you have military pensions or DVA payments alongside your super. We project how long your money needs to last, structure a reliable income, and show how your Defence and DVA income interacts with the Age Pension and tax.

We build diversified portfolios matched to your goals, timeframe and comfort with risk, with a focus on keeping costs low and staying disciplined through market ups and downs. Whether you are investing a compensation payment or building wealth over time, you will understand what you own and why.

The right cover protects your family if the unexpected happens. We work out how much cover you need, whether it should sit inside or outside super, and how it fits alongside any DVA or military super benefits – and we help with claims when you need them.

Super, military pensions and DVA benefits don’t always pass through your will. We review who your benefits go to, how they will be taxed, and whether your nominations and structures match your wishes – then work with your solicitor so everything fits together.

Debt can help you build wealth or hold you back. We look at your home loan, other debts and cash flow together, and recommend strategies to reduce interest and pay down debt sooner – including how to make the most of Defence home ownership assistance.

Many clients want to help their children or grandchildren – now or later. We help you plan how and when to pass wealth on, using structures that protect family assets, manage tax on super death benefits and keep your own retirement secure.

Many veterans go on to run their own business. We help owners make the most of super and tax opportunities, protect the business and the family with the right insurance, and plan for succession or sale – working alongside your accountant.

Serving members and many civilian employers offer salary packaging benefits that are easy to overlook. We explain what is available to you and structure salary sacrifice, novated or associate leasing and other benefits so they work with the rest of your plan.