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Understanding retirement benefits
PSS formulas, multiples and benefit options can be hard to interpret without specialist help.
For Australian PSS Members
Specialist Financial Advice for PSS Members
Get personalised guidance on your PSS benefits, retirement options, contributions and long-term financial planning from advisers who specialise in the Public Sector Superannuation Scheme.
- No obligation
- PSS specialists
- Australia-wide
Understanding PSS can be complex
We bring clarity to every part of your scheme.
Defined benefit considerations
Retirement planning
Pension options
Contribution strategies
Transition planning
Why PSS members seek advice
The decisions that matter most aren't obvious.
PSS is one of Australia's most generous defined benefit schemes and one of the most misunderstood. Members come to Veurr for clarity on the choices that shape their retirement.
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Maximising long-term outcomes
Small decisions today compound across decades get them right with tailored modelling.
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Transition to retirement
Plan the timing of your exit and how your benefit converts into a reliable income stream.
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Managing other investments
Coordinate PSS with super outside the scheme, property, shares and cash holdings.
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Estate planning
Structure beneficiary nominations and entitlements to protect your family's future.
How Veurr helps PSS members
Specialist advice across every part of your PSS.
Retirement modelling
Personalised projections that show how PSS benefits play out across different exit ages.
Income planning
Map your post-work cash flow with reliable income from PSS, super and investments.
Super strategy
Coordinate PSS with any external super to maximise after-tax retirement outcomes.
Pension options
Compare lump sum, indexed pension and hybrid options to find the right mix.
Tax considerations
Manage tax on contributions, withdrawals and pension income with confidence.
Wealth planning
Integrate property, shares and estate goals into one long-term financial plan.
Who we help
Advice tailored to where you are in your PSS journey.
Current APS employees
Build a contribution and exit strategy while still serving.
Former public servants
Optimise preserved PSS benefits alongside new super arrangements.
Retiring members
Choose the right mix of lump sum and indexed pension for your goals.
Pension recipients
Manage income, tax and estate planning as a current PSS pensioner.
FAQ
Common questions about PSS.
The Public Sector Superannuation Scheme (PSS) is a defined benefit super scheme for Australian Government employees. Benefits are calculated using a formula based on your final salary, contribution rate and length of membership not just investment returns.
For most members, PSS offers benefits that are difficult to replicate elsewhere — but the right answer depends on your contribution rate, time to retirement and broader financial picture. We model your specific scenario so you can decide with confidence.
At retirement you can typically take your benefit as a lump sum, an indexed lifetime pension or a combination. Each option has different tax, estate planning and longevity implications that we'll walk through with you.
Yes. Many members hold additional super, property, shares or cash alongside PSS. We build a coordinated strategy so each part of your wealth works toward the same retirement goal.
Speak With a Financial Adviser Who Understands PSS.
Book a free, no-obligation PSS strategy consultation. We'll review your scheme, your goals and the options ahead and give you a clear path forward.
Takes ~2 minutes · Australia-wide