Defined Benefits Scheme

Cameron Teague, our Certified Financial planner, is a specialist in complex superannuation strategies, in particular government and related defined benefit funds. He has been working in the not-for-profit Industry Fund sector since 2006. He has provided comprehensive advice for members across a range of funds* including:

Cameron is one of very few planners in Australia with extensive experience across federal, state and local government defined benefit schemes. Importantly, he can advise on the structure that will provide the best outcomes across multiple funds.

Defined benefit schemes can be complex, and in certain circumstances the outcome can be substantially enhanced through various financial strategies. For this reason it is essential members get advice on how to best structure these funds.

If you would like to arrange a 10 minute complimentary discussion about ensuring your defined benefit is optimised, please book via the link below.

* Important note. This is not an endorsement of these specific products, and is general information only. Please consider whether any product is right for your situation or talk to me for personal advice. Always read the Product Disclosure Statement before you acquire any financial product.

TESTIMONIALS

Testimonials from clients

5/5

Cameron and his team are extremely professional in their approach.

What I like best is that they take a personal interest in you – not only your finances but your personal situation.

Cameron listens to what it is you want to achieve and then guides you in getting your finances where they need to be to achieve your goal. He is not intimidating but very realistic and practical. He uses language you can understand and nothing is too much trouble.

The team’s help and advice have taken away the fear of retirement and clearly outlined my roadmap to the future. Highly recommend

Maria, Brisbane Qld
5/5

All the Staff at CTWealth have been fantastic and have followed through at every stage working directly with DVA on my behalf to submit and finalised all the documents required for a successful outcome.

Special thanks to Kym for caring!

Doug, QLD, DVA Veteran
5/5

Having been the victims of a convicted financial fraudster currently serving a 10 year jail sentence, we were naturally wary about who we could trust to oversee our financial future.

We needed to find someone highly qualified and with a scrupulous background in the financial planning industry.

Happily Cameron was able to re-build our confidence and subsequently help us chart a plan where we are now once again in a comfortable financial position and looking forward to a happy and financially secure retirement.

(The Australian Super Fund is delivering better than expected returns on our investments).

Cameron is a good listener and has the ability to explain complex matters in a way that is easy to understand and implement.

Ray, QLD, Australian Super
5/5

Turning 50 was a watershed moment. I thought retirement was 10 years away but I wasn’t sure because CSS and PSS experts are hard to find. A few minutes into our first appointment with Cameron my wife and I knew we were listening to a genuine CSS and PSS expert. Cameron’s advice explored all the options, concluding that 54/11 was available and an important decision point for our financial security. Cameron’s analysis showed we had to change our contributions, consider salary sacrifice and start planning to exit the public service just before our 55th birthdays. Retirement looked possible in less than 5 years! I was offered a redundancy in 2018 and the second person I called (after my wife) was Cameron. Within minutes he calculated the possibilities over the phone and re-arranged his schedule to see us the next day. He expertly guided us through the CSS preservation steps, told us how to avoid re-triggering provisions and gave us real peace of mind by overseeing each step. I happily joined the ranks of the retired at age 53 and  enthusiastically recommend Cameron Teague to anyone seeking financial advice, CSS or PSS scheme advice.

Bernie, QLD, CSS member
5/5

Having spent 40+ years in the Royal Australian Navy and retaining my DFRDB super, I was keen to find an Advisor who knew how to manage my DFRDB. Cameron was highly recommended during my transition from Defence and from the moment we met with him we felt comfortable that our investments would be safe. Cameron facilitated my DFRDB lump sum into Australian Super and advised on my wife’s Super with HESTA including a new investment with Vanguard Investments. The service Cameron has provided has been first class and has ensured our future financial standing into retirement is sound. I could not recommend Cameron highly enough. 

Trevor, QLD, DFRDB, Australian Super
5/5

Both myself and my wife were members of the CSS before retiring from the APS. Cameron Teague was recommended to us by trusted colleagues who had also used his advice for their own retirements. As a former senior Human Resources professional I appreciate the complexity and potential traps that poor advice could have on future super income. Cameron’s advice has been highly professional and knowledgeable of the CSS and with this we’ve been able to enter retirement with a secure financial future. I have had no hesitation in recommending Cameron to many of my friends and former colleagues in APS super schemes.

Rob, QLD, CSS member
5/5

Cameron Teague was recommended to me by a colleague. My husband spoke with him several years ago to investigate 54/11 options. It’s been great to be able to pick his brain around the complexities of CSS, 54/11 and redundancy and to know whether I leave my role through 54/11 or a redundancy, I know I’m in safe hands. I check in every year with Cameron to review my retirement planning because I know the importance of getting my CSS benefits dealt with correctly. Cameron is an excellent financial advisor with real expertise in CSS, PSS and Defence superannuation schemes. I regularly recommend him to other friends and colleagues.

Deborah, QLD, CSS member
5/5

I found Cameron to be very professional with a warmth that gave me confidence in his services. He took the time to understand my financial concerns and I felt reassured that the options he provided were ones that were tailored to my future needs.

Josie, QLD, SunSuper member
Turning 50 was a watershed moment. I thought retirement was 10 years away but I wasn’t sure because CSS and PSS experts are hard to find. A few minutes into our first appointment with Cameron my wife and I knew we were listening to a genuine CSS and PSS expert. Cameron’s advice explored all the …
Bernie, QLD, CSS member
Having spent 40+ years in the Royal Australian Navy and retaining my DFRDB super, I was keen to find an Advisor who knew how to manage my DFRDB. Cameron was highly recommended during my transition from Defence and from the moment we met with him we felt comfortable that our investments would be safe. Cameron …
Trevor, QLD, DFRDB, Australian Super
Both myself and my wife were members of the CSS before retiring from the APS. Cameron Teague was recommended to us by trusted colleagues who had also used his advice for their own retirements. As a former senior Human Resources professional I appreciate the complexity and potential traps that poor advice could have on future …
Rob, QLD, CSS member
Cameron Teague was recommended to me by a colleague. My husband spoke with him several years ago to investigate 54/11 options. It’s been great to be able to pick his brain around the complexities of CSS, 54/11 and redundancy and to know whether I leave my role through 54/11 or a redundancy, I know I’m …
Deborah, QLD, CSS member