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Understanding superannuation is essential for securing a comfortable retirement. Gold State Super, managed by GESB, offers a range of options tailored to meet diverse financial needs. This article provides clear, practical guidance on navigating Gold State Super, helping you make informed decisions about your retirement savings. Understanding Gold State Super Guidance Gold State Super is a defined benefit superannuation scheme primarily for public sector employees in Western

Managing personal wealth and planning for the future can be complex. Many individuals and guarantors worldwide seek independent financial advice to navigate this complexity. Consulting financial advisers can provide clarity, structure, and confidence in financial decision-making. This article explores the value of consulting financial advisors, how they operate, the costs involved, and practical steps to engage with one effectively. Why Consulting Financial Advisers Matters F

Planning for retirement is a crucial step towards ensuring financial stability and peace of mind in later years. It requires careful consideration of income sources, expenses, and investment strategies.. Understanding Secure Retirement Planning Secure retirement planning involves creating a financial strategy that guarantees sufficient income after you stop working. It is not just about saving money but also about managing risks and making informed decisions. A well-structure

Bi Monthly Update for January 2026 covering latest blog posts, office updates, upcoming holidays and social media links.

Managing personal finances can be complex and overwhelming. Many people struggle to make informed decisions about saving, investing, and planning for the future. This is where a financial planner can make a significant difference. By providing expert advice tailored to individual circumstances, a financial planner helps to create a clear path towards financial security and growth. Understanding the Benefits of Financial Planners Financial planners offer more than just investm

Home ownership delivers stronger long-term economic returns than property investment, yet rising prices, planning constraints, and policy missteps continue to push ownership further out of reach for many Australians.

Superannuation is now a key asset in family law property settlements. This article explains how superannuation is valued under the updated 2025 Regulations, how defined benefit and accumulation interests are treated, and what separating couples need to know.

Financial services has its own “milk and peanuts” warnings. Part IVA could apply to many actions if the Commissioner wished, and ASIC’s rule that “past performance is not a reliable indicator of future performance” is often true: markets revert to trend, and fund outperformance is frequently statistical noise. Even when real, changes in staff or strategy can make past results irrelevant.

Bi Monthly Update for November 2025 covering latest blog posts, office updates, upcoming holidays and social media links.

Learn how GESB’s Gold State and West State accounts work and why they are so unique.

Financial planning is a crucial step for anyone looking to secure their financial future. It involves setting goals, managing resources, and making informed decisions to achieve long-term financial stability. Working with expert financial planners can make this process more straightforward and effective. Their knowledge and experience help individuals and guarantors in Perth navigate complex financial landscapes with confidence. Understanding the Role of Expert Financial Plan

Have you ever wondered how much you you would need to retire?

Choosing the right financial adviser is a critical step for anyone looking to secure their financial future. In Perth, there are many...

Starting your financial planning journey is a crucial step towards securing your financial future. It involves understanding your current...

Superannuation Taxation Worldwide Australian superannuation tax treatment differs significantly from that of many other countries. The government taxes contributions and investment earnings during the accumulation phase. However, benefits are generally not taxed, except for Total and Permanent Disablement (TPD) benefits and death benefits payable to non-dependents. In contrast, many other countries allow tax-free contributions and earnings, taxing benefits upon emergence. The

Funds held in superannuation have different tax components that affect the balance. These components are relevant when accessing funds, such as during retirement, death, or disability. The tax components include tax-free, taxable (taxed), and taxable (untaxed). The tax-free component consists of all after-tax or non-concessional contributions made, while the taxable component is the remainder of the fund. Whether the taxable component is treated as taxed or untaxed depends on

Andep’s review of the March 2021 quarter is available here to download (.pdf) .

Andep’s review of the December 2020 quarter is available here to download (.pdf).

Andep’s review of the September 2020 quarter is available here to download (.pdf).

Andep’s review of the June 2020 quarter is available here to download (.pdf).