Can I get financial advice paid for through the Defence Force Transition Program?
To help ADF members deal with this transition we provide a service that involves a meeting prior to exit to explain the issues that need to be considered and then we conduct a follow up meeting 12 months after exit to ensure the process have been completed with all issues considered.
There are a number of factual advice issues that we will discuss in these meetings along with general advice.
The cost of this transition program is $1000 and covers the two meetings.
You may be eligible to access $1,000 towards professional financial advice through the Defence Force Transition Program. Talk to your transition coach for more information and approval.
If personal advice is required, this will be identified and quoted on separately. If any personal advice is identified to be limited in nature it may be covered as part of your new funds normal fees and we will direct you to take advantage of these benefits where required and available.
What ADF Transition Financial Advice Covers
ADF transition financial advice typically includes:
- Superannuation decisions when leaving Defence, including preservation, rollover and beneficiary planning
- Cashflow and budgeting for your first 12–24 months post-service
- Tax considerations when moving from military to civilian income
- Insurance review and replacement planning after leaving ADF Cover
- Debt management and emergency fund planning
- Goal setting for employment, retraining, housing and long-term wealth building
Our ADF Transition Advice Process
Our ADF transition advice process is designed to align with Defence transition timelines and funding requirements.
- Initial consultation to confirm eligibility for ADF funding and clarify transition priorities
- ADF transition financial planning meeting providing structured general advice
- Follow-up review after separation to ensure decisions remain appropriate and implemented correctly
Why CTWealth
CTWealth operates on a genuine fee-for-service basis with no commissions or percentage-based investment fees. This structure aligns with Defence requirements and ensures advice is free from product conflicts.
It is not about us. It is about you. It is about your family. It is about your ideal life.
We are a listed adviser with the ADF Financial Services Consumer Centre and have assisted Army, Navy and Air Force members across Australia transition confidently into civilian life.
How CTWealth Can Help
Our role isn’t simply to help you make financial decisions today.
It’s to help you navigate every stage of your Veteran Journey.
Whether you’re preparing to leave Defence, recently transitioned, receiving DVA support, or planning for retirement, we’re here to provide guidance, education and advice that evolves as your life changes.
Because financial planning isn’t just about today’s decisions.
It’s about creating confidence for tomorrow.
The Journey Doesn’t End Here
Wherever you are today, remember this:
Transition is not the end of your Defence journey.
It’s the beginning of your Veteran Journey.
And every journey is easier when you have a trusted guide beside you that deeply understands every step of the Veteran’s journey.
Start Your Veteran Journey with Confidence
Whether you’re still serving, preparing to transition, or have already left Defence, we’re here to help you understand your options and make informed financial decisions every step of the way.