How a transition to retirement (TTR) pension works, who it can still suit after the 2017 tax change, and what to check first. General information only.
CSS members over 55 who missed the 54-11 window may find a voluntary redundancy reopens it. What to weigh before you decide — from Canberra specialists.
Where default income protection falls short for high earners — benefit caps, the 75% rule, cover inside vs outside super, and how specialists structure it.
Defence compensation rules changed on 1 July 2026. A plain-English guide to ADF TPD and invalidity claims: ADF Cover, MSBS classes and the DVA pathway.
Specialist financial advice for Canberra public servants and Defence members — CSS, PSS, PSSap, DFRDB, MSBS and ADF Super, redundancy and Division 296.
Division 296 is now law: from 1 July 2026 extra tax applies to realised super earnings above $3M, second tier at $10M. What CSS and PSS members must know.
DFRDB and MSBS explained for serving members and retirees: how each benefit is calculated, the commutation decision, tax on pensions, and when advice matters.
CSS, PSS or PSSap — how the schemes differ and what each means for your pension, redundancy and retirement. Specialist advice for Canberra public servants.
Voluntary or involuntary redundancy for APS staff: payout tax, genuine redundancy rules, CSS/PSS decisions — worked through with a Canberra adviser.
Retirement planning in Australia explained: how much super you actually need, ASFA comfortable retirement benchmarks and the levers that move your nest egg.
