We specialise in the provision of advice to employees of the APS. This has allowed us to build extensive knowledge of the operation of the Commonwealth Superannuation Scheme (CSS).


Using our customised CSS calculator and other projection tools we have developed in-house, we can provide our clients with estimates and advice for the CSS in the following areas:


  • contribution strategies which can maximise benefits from the CSS;

  • selection of exit dates to maximise your CSS benefit;

  • the impact of part-time work on your CSS benefit; 

  • management of your CSS benefits at retirement to ensure selection of the optimal way to receive your CSS benefit; and

  • projecting your potential CSS pension and lump sum benefits in net of tax terms.

In addition, we can also consider:

  • the financial implications of accepting a redundancy;

  • assistance in selecting an appropriate investment option within the CSS; and

  • estimates of your death and invalidity cover in the CSS.

Commonwealth Superannuation Scheme

Specialist Planners

Schedule a consultation with one of our CSS specialist planners. 

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Authorised Representative of Fiducian Financial Services Pty Ltd, ABN 46 094 765 134, AFS & Australian Credit Licence No. 231103

The information of this site is general in nature.  It does not take your specific needs or circumstances into consideration, so you should look at your own financial position, objectives and requirements and seek financial advice before making any financial decisions.

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