From the classroom to head office
Permission to retire. And permission to enjoy it.
You're in the right place if:
You or your partner is in the education sector in WA
you're over 55
and your super says GESB
Primary and secondary teachers
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Principals and deputy principals
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Education department staff
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Primary and secondary teachers 〰️ Principals and deputy principals 〰️ Education department staff 〰️
From almost there to across the finish line
Planning ahead
5 to 10 years out, and counting
Working flat out, wondering when you'll be able to finish up, and what to do between now and then.
We want to help you...
Get your GESB super working harder
Put a year on when you could finish up
Set yourself up for the retirement you picture
Ready to ease off
Eyes on the exit in 5 years or less
Weighing up part-time, a quieter role, or picking your finish date.
We want to help you...
Pick a retirement date and feel certain about it
Know what your income looks like when the pay cheques stop
Navigate the transition into retirement
Enjoying it
Retired and making the most of it
You've finished up. Now it's about making it last, and letting yourself spend it without worry.
We want to help you...
Know your money will last the distance
Spend your money on the things, places, people that are important to you
Get Age Pension or Concession cards you're entitled to
Reassured
Relieved
Confident
That's how clients feel working with TIPS
TIPS Services
At TIPS, we look at your whole financial picture and tailor a combination of advice and services that fit your life now and later.
Know what your GESB super can do
SUPERANNUATION & GESB ADVICE
Gold State, West State, GESB Super. Most people have had theirs sitting on default for years, with a statement nobody's ever really explained. We read it properly, work out the right moves on contributions, tax and timing, and turn your GESB super into a retirement income that lasts.
Make it last, and enjoy it
RETIREMENT INCOME
You've finished up, and now it's about drawing an income that lasts without lying awake over it. We set up how you take your money from super and investments, map out what you can safely spend, and give you the confidence to actually enjoy what you've built.
Put your money to work
INVESTMENT
No crypto, no chasing the next big thing, nothing you'll lose sleep over. We build sensible portfolios matched to your stage of life, so your money keeps working quietly in the background while you get on with living.
Keep more of what you earn
TAX PLANNING
The right structure now means less tax and more in your pocket later. We look at salary sacrifice, contributions and the tax-effective ways to move your money around, so the tax office gets its share and not a dollar more.
Your wealth, your wishes
ESTATE PLANNING
We'll work with legal experts to create a clear plan for your estate, so your wishes are properly documented, your assets are protected, and the people who matter most aren't left guessing.
Put a real date on finishing up
PRE-RETIREMENT PLANNING
You're flat out and wondering when you can stop, or whether you could drop a day without blowing up the plan. We run the numbers on your super, salary sacrifice and the years ahead, so "a few more years" becomes an actual year you can circle on the calendar.
Get what you're entitled to
CENTRELINK & AGE PENSION
Some people get a full pension, some get a part payment, and plenty get nothing at all. Some assume they won't get anything. We work out exactly where you stand, and when there's an age gap between you and your partner, we look at the strategies that can open up a few years of pension you'd otherwise miss.
A head start for the grandkids
INVESTMENT BONDS
Tuck money away for the grandkids in a tax-friendly bond that grows in the background and can be accessed at an the age your decide. A financial boost for the first car, uni, or a leg-up on a first home.
Make the most of a windfall
INHERITANCE ADVICE
Receiving an inheritance can be equal parts emotional and overwhelming. We'll help you work out what to do with it, how it fits with what you already have, and how to make it count for the long term. So it creates real opportunity, not avoidable tax or stress
Care without confusion
AGED CARE ADVICE
Aged care costs are confusing, and the decisions often come at the worst possible time. We help you understand what it'll cost, how to pay for it, and how to protect as much of the family home and savings as possible.
We speak GESB super.
GESB isn’t ordinary super. Gold State, West State and GESB Super each have their own rules, contribution strategies, tax treatment and ways of accessing your money.
We’ve specialised in GESB super for the education sector since 1989. We know the rules, the quirks and the opportunities that can make a real difference to how much you keep for retirement and what you can pass on to your family tax effectively.
Get the strategy right, and the difference can be significant for your retirement.
