(08) 9316 3050 
— WHO WE ARE
Your GESB Super Specialists in Perth
At Profusion Planning, we provide specialist financial advice for GESB superannuation members. Our team includes multiple former GESB Financial Advisers and Member Support Officers, giving us unparalleled insight into West State Super, Gold State Super, and other GESB products. Whether you’re planning retirement, maximising tax benefits, or navigating complex contribution rules, Profusion Planning is the trusted choice for GESB members in WA.
Why choose us?
UNMATCHED GESB EXPERTISE
We know the technical details of GESB schemes inside-out, including untaxed funds and defined benefit structures.
INSIDER KNOWLEDGE OF GESB PROCESSES
Our experience means we understand how GESB implements changes and handles member services, saving you time and stress.
ESTABLISHED NETWORKS
Our connections within GESB help streamline interactions and ensure your strategy is implemented effectively.
PROVEN RESULTS FOR GESB MEMBERS
We’ve successfully guided countless GESB clients to achieve better retirement outcomes, optimise their super strategies, and make informed decisions with confidence.
What We Can Offer
The team at Profusion Planning has a detailed understanding of the unique benefits offered via GESB West State and Gold State and are happy to assist in ensuring you construct the appropriate financial strategy to suit your personal circumstances
GESB West State
West State Super is an untaxed accumulation super scheme for WA public sector employees who joined before 16 April 2007, offering low fees, flexible investment options, and deferred tax benefits.
GESB Gold State
Gold State Super is a defined benefit, government-backed superannuation scheme for WA public sector employees who joined before 29 December 1995, offering guaranteed retirement benefits with no investment risk.
Advice on GESB
If you’re considering changes to your super, such as rolling over to another fund or planning for retirement, it’s essential to speak with a licensed financial adviser who understands the unique features of these funds.
Frequently Asked Questions
To help make things a little easier, we have compiled a list of Q & A’s, which will provide you with some of the most important differences between your GESB accounts and other funds for your reference.
-
TOP QUESTIONS
-
GESB GOLD STATE
-
GESB WEST STATE
-
Why choose Profusion Planning for GESB superannuation advice?
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.
-
What GESB products do you specialise in?
We provide expert advice on West State Super, Gold State Super, and other GESB schemes, including untaxed funds and defined benefit structures.
-
How does your GESB experience benefit me?
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.
-
Do you only advise on GESB superannuation?
No. While GESB is our specialty, we also provide comprehensive financial planning services, including retirement planning, tax strategies, and wealth management.
-
Is Profusion Planning based in Perth?
Yes. We are proudly Perth-based and focused on helping WA government employees and GESB members make the most of their superannuation.
-
How can I book an appointment?
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.
-
Are Gold State and West State unique funds?
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.
-
Is there additional benefit if I have a pre 1983 service date?
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.
-
What do these benefits mean?
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.
-
I’ve been told my Gold State is a Defined Benefit Scheme – what does this mean?
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.
-
What fees do I pay?
There are no separate fees charged to you for the administration, insurance and other running expenses of Gold State Super.
-
Are Gold State and West State unique funds?
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.
-
Is there additional benefit if I have a pre 1983 service date?
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.
-
What do these benefits mean?
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 ca
-
What fees do I pay?
West State Super is competitively priced at under 1% per annum, with total running cost determined by your underlying investment choice.
