Defence Force Retirement & Death Benefits scheme

Specialist Planners

Schedule a consultation with one of our DFRDB specialist planners. 

We specialise in the provision of advice to ComSuper members including military personnel.  This has allowed us to build substantial expertise in the operation of the Defence Force Retirement & Death Benefits (DFRDB) scheme.


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


  • selection of an exit date with respect to the Notional Retirement Age (NRA), your birthday and your anniversary of service to ensure you maximise your DFRDB benefits; 


  • management of your DFRDB benefits as you transition into retirement to maximise your financial position and minimise tax;


  • projecting your prospective after tax DFRDB benefit; and


  • estimates of the death and invalidity cover you hold in DFRDB and a review of its adequacy to your needs.


In addition, we can also consider:


  • the financial implications of accepting a Management Initiated Early Retirement (MIER); and


  • your access to the Defence Housing Ownership Assistance Scheme (DHOAS) and maximising the available subsidy.

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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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