(08) 9316 3050 
GESB Financial Planner Why Professional Advice on GESB Matters
GESB Financial Planner
GESB products like Gold State and West State are not like other super funds. They have unique rules, tax treatments, and contribution strategies that can significantly impact your retirement outcome. Without expert advice, you risk missing opportunities or making costly mistakes.
GESB schemes are complex.
Without advice, you could:
- Pay thousands more in tax
- Lose valuable benefits
- Miss strategies that boost your retirement savings
Why Professional Advice Is Critical
- Defined Benefit Complexity: Gold State uses a formula based on salary and service – small changes can have big impacts.
- Untaxed Schemes: West State Super has unique tax rules that affect withdrawals and estate planning.
- One-Time Opportunities: Strategies like pre-1983 optimisation or salary maintenance can only be applied at specific times.
- Retirement Timing: When and how you access your benefit can change your tax bill and your wealth.
What Does a Typical GESB Member Look Like?
- WA public sector employee
- Joined before 1995 (Gold State) or before 2007 (West State)
- Considering retirement or part-time work
- Can have a significant super balance
- Assumes their fund works like a standard super fund – but it doesn’t
- Facing high-stakes decisions that can impact tens of thousands of dollars
What Our Clien't 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 Clien't 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 Clien't 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 Clien't 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
Why Choose Profusion Planning
- Our team includes former in-house GESB financial advisers, technical specialists, and member services officers. This means:
- Deep knowledge of GESB rules and strategies
- Technical expertise to optimise your benefits
- Seamless implementation of advice thanks to our understanding of GESB processes and internal contacts
- Personalised guidance tailored to your career and retirement goals
- With Profusion Planning, you’re not just getting advice – you’re working with professionals who know GESB from the inside
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.
