We are one of the few financial advice practices in Perth with multiple former GESB Financial Advisers and Member Support Officers. This gives us unmatched technical knowledge of GESB products and insider understanding of how GESB operates.

We provide expert advice on West State Super, Gold State Super, and other GESB schemes, including untaxed funds and defined benefit structures.

Our team’s background means we know the rules, processes, and networks within GESB. This helps us deliver accurate advice and navigate GESB systems efficiently, saving you time and stress.

No. While GESB is our specialty, we also provide comprehensive financial planning services, including retirement planning, tax strategies, and wealth management.

Yes. We are proudly Perth-based and focused on helping WA government employees and GESB members make the most of their superannuation.

You can contact us online, call our office, or book a consultation through our website. We offer both in-person and virtual meetings for your convenience.

Yes, both Gold State and West State are both untaxed, constitutionally protected funds. These are important facts to know as there aren’t many funds across Australia that offers these benefits.

If you have pre 1983 service (eg. you started contributing to superannuation before July 1983), it is imperative that you receive professional financial advice to ensure you optimise your tax position inside your Gold State or West State funds. If the correct strategy is not followed you may pay more tax than you need to.

Untaxed funds work differently to convention funds in that tax is not paid on any contributions or earnings that your fund receives while in accumulation phase, rather this tax (15%) is deferred until the time you receive the benefit. As a result, you have 100% of your contributions and investment earnings compounding over your working life rather than 85%.

Constitutionally Protected funds provide you with more favourable concessional cap limits as employer or personal deductible contributions are not counted in your concessional contribution cap.

This simply means that your Gold State benefit is determined by a formula that includes your final average salary, years of service and average contribution rate. This means your final benefit is not impacted by markets or other investment returns.

There are no separate fees charged to you for the administration, insurance and other running expenses of Gold State Super.

Yes, both Gold State and West State are both untaxed, constitutionally protected funds. These are important facts to know as there aren’t many funds across Australia that offers these benefits.

If you have pre 1983 service (eg. you started contributing to superannuation before July 1983), it is imperative that you receive professional financial advice to ensure you optimise your tax position inside your Gold State or West State funds. If the correct strategy is not followed you may pay more tax than you need to.

Untaxed funds work differently to convention funds in that tax is not paid on any contributions or earnings that your fund receives while in accumulation phase, rather this tax (15%) is deferred until the time you receive the benefit. As a result, you have 100% of your contributions and investment earnings compounding over your working life rather than 85%.

Constitutionally Protected funds provide you with more favourable concessional cap limits as employer or personal deductible contributions are not counted in your concessional contribution cap.

West State Super is competitively priced at under 1% per annum, with total running cost determined by your underlying investment choice.