National Service Financial

National Service Financial Veteran founded and owned financial advice practice.

Military finance experts helping Veterans make the most of their time in service, and assisting Veterans start their new life post-defence.
- Defence Force Transition
- SRDP
- Permanent Incapacity

03/09/2026

The financial advice industry has shifted from a sales-driven model to a highly regulated profession where advisers are legally mandated to prioritise your interests over their own. If a recommended strategy does not put you in a demonstrably better position, it simply cannot be proposed.

Drop into the comments for the full link!

02/09/2026

Choosing a financial adviser should be treated like an interview to ensure their pricing and product selection align with your best interests. Transparent fees and a broad range of investment options are essential indicators that an adviser is prioritising your goals over their own commissions.

Drop into the comments for the full link!

01/09/2026

Meaningful financial planning begins with identifying your destination, whether that is clearing debt or securing a soft landing after your time in defence. Once you define your timeline and objectives, you can build a structured path that turns your income into a legacy for your family.

In this new episode of Military Money, we explore the fundamental steps of the financial adviser process and how to plan for life beyond the uniform.

Drop into the comments for the full link!

28/08/2026

For eligible veterans with severe impairments who cannot work more than ten hours a week, the Special Rate Disability Pension can offer tax-free lifetime payments. But it is not a decision to make lightly. It can involve offsets against a CSC pension and prior compensation, requires you to forgo incapacity payments, and is irrevocable once chosen. Understanding the trade-offs before you decide is essential.

Full episode link is in the comments!

The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

27/08/2026

A medical discharge and pension do not mean your superannuation journey is over. Your pension may provide an income floor, but your member and ancillary benefits still need an active strategy that reflects your updated risk profile, beneficiary nominations, and longer-term goals. Used properly, super can remain a key growth engine that gives your family more flexibility and an additional income stream in retirement.

Full episode link is in the comments!

The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

26/08/2026

John’s CSC Class A invalidity pension was initially treated as standard taxable income. But because he was medically discharged, he may have been eligible to apply for Disability Superannuation Benefit tax treatment. That classification can recalculate the tax-free component of an eligible pension based on service and the years remaining until compulsory retirement age. This is why specialised military financial knowledge can make or break a transition plan.

Full episode link is in the comments!

The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

25/08/2026

Many transitioning ADF members either forget their Defence Force Transition Program funding exists or let it expire without using it. If you are within two years of discharge, that funding may be used to help offset the cost of professional financial advice and remove an upfront barrier during an already stressful time. It can make the difference between putting off the plan and building a clear family roadmap now.

In this new episode of Military Money, we get into how to make the most of the support available during transition.

Full episode link is in the comments!

The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

19/08/2026

Your employer benefit is fixed by formula, no choice, nothing to steer. But your member and ancillary benefit sits in a default investment option that most people have never changed, looked at, or even knew existed. That is the only part where a decision you make actually changes the outcome. The right option for someone in their 20s is not the same as for someone approaching retirement. Check that it still suits you, because unlike your pension, this part is yours to steer at no cost, whenever you want.

Full episode link is in the comments!

The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

18/08/2026

The invested parts of your super will grow some years and fall others. That is not a fault, it is just how markets work. Over a long enough stretch, it has historically trended upwards, but the path is bumpy. Anyone promising you a straight line up is not being straight with you. Your employer benefit is different, it grows on your service and gets indexed, steady by design.

Full episode link is in the comments!

The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

17/08/2026

If you joined from July 2016, you are on ADF Super, not Military Super. There is no defined benefit and no automatic lifetime pension. MSBS members get a built-in retirement income stream. ADF Super members currently cannot even switch their balance into pension phase inside CSC. If you want an income stream in retirement, you need to plan around how things work today, not how legislation might change them later.

In this new episode of Military Money, we get into what that means for your retirement planning.

Full episode link is in the comments!

The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Address

Office 302, 1 Bryant Drive
Tuggerah, NSW
2259

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+61243479444

Website

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