Here at CTWealth, we have a long history of looking after Australian Defence Force personnel and their families to navigate through life’s changes, whether it be retiring from the military, exiting via a medical discharge or transitioning mid-career.
No matter the life event you are facing, CTWealth will be able to guide through the decisions required.
We are a listed adviser to the ADF Financial Services Consumer Centre linked here.
ADF members that we have helped:
Deciding how to take your DFRDB on exiting the Defence force is perhaps one of the most important decisions you will make in your retirement planning. We help members navigate this transition process to ensure the best outcome for you and your family including the best use of any commutation lump sums. Because DFRDB retirement pensions are treated differently to normal superannuation benefits on death it is vital to get sound advice around this decision.
When you retire from the MSBS we need to decide on the best mix of Pension and Lump sum you and your family’s needs moving forward into retirement and ultimately into your Estate. Because MSBS retirement pensions are treated differently to normal superannuation benefits on death it is vital to get sound advice on this decision.
If you are being medically discharged from the Defence Force and you are a member of MSBS scheme there are a number of unique decisions that we need to make at this time to ensure the best outcome for you and your family moving forward.
If you are being medically discharged from the Defence Force and you are a member of ADF scheme there are a number of unique decisions that we need to make at this time to ensure the best outcome for you and your family moving forward.
When you transition out of defence mid-career as an MSBS member there are a number of factors that we need to consider in the transition process. In most cases your MSBS will need to be preserved until you reach an access trigger and your inbuilt insurance benefits will no longer apply. It is essential that this process is managed correctly for the ongoing benefit of you and your family.
When you transition mid-career out of the ADF and you are a member of the ADF super fund there are specific factors that we need to consider including eligibility to lifePlus Protect. It is essential that this process is managed correctly for the ongoing benefit of you and your family.
When you are on Incapacity Payments and are working through your options with the Department of Veteran Affairs (DVA) it is crucial that you partner with a Trusted Adviser to help you work through your choices. At CTWealth we have worked closely in the space with effected members and the DVA.
When you are offered SRDP and are working through your options with the Department of Veteran Affairs (DVA) it is crucial that you partner with a Trusted Adviser to help you work through your choices. At CTWealth we have worked closely in the space with effected members and the DVA.
We offer a complimentary and obligation-free 10 minute phone discussion to explore likely advice needs prior to committing to an initial appointment.
You may be eligible to access $1,000 towards professional financial advice through the Defence Force Transition Program.
Information discussed will be general advice only.
We are a listed adviser to the ADF Financial Services Consumer Centre linked here.
