Account-Based Pension vs Annuity: The Retirement Income Decision in 2026
Account-based pension, lifetime annuity, or hybrid? A Canberra specialist adviser’s framework for the 2026 retirement-income structure decision — including how Centrelink treats each, the tax differences, and how the choice interacts with CSS, PSS, DFRDB and MSBS scheme entitlements.
Transition to Retirement in 2026: When TTR Still Works After the 2017 Tax Change
TTR was close to a default pre-retirement move from 2005 to 2017. The 2017 tax change reshaped it — here is when it still works and when it does not, from Canberra specialist advisers.
CSS 54-11 Reopened: The New APS Voluntary Redundancy Window for Members Over 55
The government has announced a new APS voluntary redundancy program. For CSS members over 55 who missed the 54-11 opportunity, a VR may reopen it — a specialist guide for Canberra public servants weighing the decision.
Income Protection for High-Income Earners
A guide to income protection for Australian professionals in their peak-earning years: the post-2021 APRA reforms, inside vs outside super, waiting and benefit periods, and tax treatment.
Financial Advisor Canberra — Specialist AFSL Advice for Public Servants, Defence Force Members, and Beyond
Canberra financial advisers specialising in CSS, PSS, PSSap, DFRDB, MSBS, redundancy, Division 296 super tax. Maciej Stanek + Imran Amjad. AFSL-authorised.
Division 296 Super Tax Explained: A Guide for High-Balance Super Holders
Specialist guide to Division 296 — the new 15% additional tax on superannuation earnings attributable to balances above $3 million, in effect from 1 July 2025. Covers how the proportional calculation works, who is affected (including the CSS / PSS defined-benefit notional-balance trap), the unrealised gains problem, and strategies high-balance super holders may want to consider with their adviser.
Financial Planning for Australian Public Servants: What CSS, PSS and PSSap Members Need to Know
Financial Planning for Australian Public Servants: What CSS, PSS and PSSap Members Need to Know 2 May 2026 · 10 min read · By Maciej Stanek & Imran Amjad, Véurr Financial Planning Hello. I’m Maciej Stanek, Senior Financial Adviser and Director at Véurr Financial Planning. If you work for the Australian Public Service, today’s topic […]
Voluntary vs Involuntary Redundancy: A Financial Planning Guide for Canberra Public Servants
Véurr Insights · Public Service · Redundancy & Career Transitions Voluntary vs Involuntary Redundancy: A Financial Planning Guide for Canberra Public Servants With up to 28,000 federal public servant roles flagged for cuts across a multi-year redundancy programme that began in 2026, here is the financial planning framework every APS member should know — voluntary […]
Retirement Planning Australia: How Much Super Do You Need?
Retirement Planning Australia: How Much Super Do You Need? By Véurr Financial Planning | Superannuation Advice & Retirement Planning, Canberra · Sydney · Melbourne At some point, most working Australians ask themselves the same question: Will I have enough to retire comfortably? It’s one of the most common concerns that brings people to a retirement planner or superannuation adviser – […]
How to Find the Right Financial Adviser in Australia (And What to Ask Before You Hire One)
How to Find the Right Financial Adviser in Australia (And What to Ask Before You Hire One) By Véurr Financial Planning | Financial Planning, Canberra · Sydney · Melbourne You’re earning a solid income. You’re keeping up with bills. But at the end of each month, you’re not entirely sure where your money is going […]