Government Superannuation Schemes
Government Superannuation Schemes

Specialist advice for Government Superannuation Scheme members

Tap into our expert advice and feel secure knowing your retirement nest egg is on track.

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State and Federal Government Superannuation Schemes are structured differently and can be impacted by a number of different factors. Some of the financial products relevant to government employees if not implemented correctly can have a significant negative financial impact. As a result, seeking advice can be the difference between having a comfortable retirement and not.

If you are a member of a Government Superannuation Scheme and would like to learn more about your scheme and whether you are maximising your entitlement, contact Lachlan Ashelford below for complimentary, no-obligation meeting.

Primary Government Superannuation Schemes

NSW State Government Superannuation Funds

  • State Authorities Superannuation Scheme (SASS) – NSW Government Defined Benefit fund
  • State Superannuation Scheme (SSS) – NSW Government Defined Benefit fund
  • Police Superannuation Scheme (PSS) – NSW Government Defined Benefit fund
  • Aware Super – NSW Government Accumulation fund
  • Aware Super – Police Blue Ribbon Super – NSW Government Accumulation fund specifically for active police officers.

Federal Government Superannuation Funds

  • Defence Force Retirement and Death Benefits Scheme (DFRDB) – Federal Government Defined Benefit fund
  • Military Superannuation and Benefits Scheme (MSBS) – Federal Government Defined Benefit fund
  • Commonwealth Superannuation Scheme (CSS) – Federal Government Defined Benefit fund
  • Public Sector Superannuation Scheme (PSS) – Federal Government Defined Benefit fund
  • Public Sector Superannuation Accumulation Plan (PSSAP) – Federal Government Accumulation fund.


Government Superannuation Financial Advice

At Lambourne Partners we can help you to:

  • Understand the particular fund you are in and its many features.
  • Consider an appropriate age to retire whilst factoring in how you can maximise your superannuation entitlements between now and retirement.
  • Contemplate your options at retirement in terms of generating an income in retirement, understanding whether you have enough capital to retire, and establishing the right structure for your superannuation and assets in retirement.

What if retirement isn’t going to occur in the short term.  What are the important factors to consider in relation to my super:

  • Am I contributing enough to super to maximise my benefit?
  • What are the key features that impact the end value of my super?
  • Am I invested in the appropriate investment options within my super?
  • How does my salary impact my superannuation entitlements?
  • Is there anything I could be doing differently or better to improve my situation?

If retirement is a viable proposition in the short term the important issues to consider:

  • What is the best structure for your assets and superannuation in retirement?
  • When is the ideal time to retire to maximise your super and be the most tax effective?
  • Do I have access to a defined benefit pension via my superannuation fund?
  • How will I generate an income in retirement after I’m no longer getting paid from my employer?
  • What is my risk appetite as I move into retirement and how do I invest appropriately in relation to this?

We can also help you grow your investments, establish life insurance, manage any debt you may have and assist with your estate planning needs.
  Read Article: Defined Benefit Schemes

View our Financial Services Guide

Government Superannuation Schemes


To discuss your options, contact us below or by phone or email for a complimentary meeting with Lachlan Ashelford. We can normally meet within a week.

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Contact Us

Please feel free to reach out to us at any time. Call or contact us on the details below to get in touch or book a complimentary consultation.

Level 1, 56 Hudson Street
Hamilton NSW 2303
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Office (02) 4969 6600