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GESB Gold State Expert Advice from Former Insiders
Gold State Super
Gold State Super is a defined benefit superannuation scheme designed exclusively for Western Australian public sector employees who joined before 29 December 1995. Unlike market-linked funds, your retirement benefit is calculated using a fixed formula based on your salary and years of service, giving you certainty and peace of mind about your future.
With Gold State Super, you enjoy:
- Guaranteed benefits backed by the WA State Government.
- Protection from market fluctuations, ensuring stability.
- No ongoing fees for administration or insurance.
- Automatic death and disability cover at no extra cost while contributing.
- Tax advantages as an untaxed scheme, with tax deferred until you access your benefit.
- Whether you’re planning ahead or nearing retirement, Gold State Super offers security, simplicity, and confidence in your financial future.
What Our Clients Say
Brad was recommended to me originally because he is particularly knowledgeable about government superannuation. He has inspired confidence in us through his knowledge and expertise. He has shown an appreciation of our particular circumstances and needs. Brad has proven to be reliable and dependable. He's ever willing to advise, and makes himself available, even at short notice. He has a friendly and relaxed manner.
Neil
What Our Clients Say
I have had the pleasure of working with Brad from Profusion Planning. Brad is friendly, approachable and knowledgeable in his field of finance. Furthermore, Brad has good communication skills and supportive of novice clients, such as myself. He has been instrumental in effectively assisting me on many occasions to set goals and implement strategies to set up a comfortable financial future. Brad and the friendly staff at Profusion have helped with the preparation of a long term financial plan involving: a Transition to Retirement strategy, a superannuation pension, preparation of a new will and enduring power of attorney documents, advice on the sale and purchase of property, advice on taxation changes and on running a self-managed super fund.
Jenny | Teacher
What Our Clients Say
Like many people I did not take much notice of my superannuation fund. Retirement seemed somewhere in the distant future with a busy family and work life taking priority. Fast forward to 2015 and I found myself in Brodie Martins office discussing my GESB account. His knowledge of GESB has given me options I had little idea about. I am in the fortunate position to be able to fully salary sacrifice, allowing my superannuation to grow and minimise tax. Like many women I was in and out of the workforce and also working part time so my superannuation was not as healthy as a full time worker. It’s now growing rapidly, which is a good thing as retirement is now no longer in the distant future!
Leanne
What Our Clients Say
At a stage in my life where I wished to transition to retirement, Brad provided the best options for me. I have been able to cut back to four teaching days with what appears to be very little difference in take home pay. Any queries I’ve had, Brad has patiently explained them to me. I am glad a friend recommended Profusion Planning.
Karyn
Who Can Help
When it comes to navigating the complexities of Gold State Super, you need more than general financial advice — you need specialists who truly understand the scheme inside and out.
That’s where Profusion Planning stands apart. Our team includes former in-house GESB financial advisers, technical specialists, and member services officers, giving us unparalleled insight into the rules, benefits, and strategies unique to Gold State Super. This means we can provide advice that is not only accurate but tailored to maximise your entitlements and retirement outcomes.
Our advisers bring:
- First-hand GESB experience – deep knowledge of defined benefit structures, untaxed schemes, and contribution strategies.
- Technical expertise – ensuring compliance and optimisation of your superannuation benefits.
- Personalised guidance – helping you make informed decisions with confidence.
With Profusion Planning, you’re not just getting financial advice, you’re partnering with a team that has walked the halls of GESB and understands every nuance of your fund.
Who We Have Helped
Ken and Sue, had strong super balances but lacked a clear plan to maximise benefits, manage tax, and clear their remaining mortgage.
Jessica risked reducing her final payout by shifting to part-time work. How do salary decisions in the final years before retirement significantly impact a Gold State Super member?
Jeremy used his pre-1983 service to unlock tax advantages at retirement: increasing his tax-free component, reducing his tax bill, and improving the tax efficiency of his estate.
What To Expect
GESB West State and Gold State offer many benefits that you may not be able to access through other superannuation funds. As a result, it is imperative that you understand these benefits before. The team at Profusion Planning has a detailed understanding of the unique benefits offered via GESB West State and Gold State and are happy to assist in ensuring you construct the appropriate financial strategy to suit your personal circumstances.
