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GESB West State Flexibility and Tax Advantages for Your Future
West State Super
West State Super is a market-linked, untaxed accumulation superannuation scheme designed for Western Australian public sector employees who joined before 16 April 2007. Unlike most super funds, West State Super offers unique tax benefits and contribution flexibility, helping you grow your retirement savings faster.
With West State Super, you enjoy:
- Untaxed contributions and earnings while your money grows – tax is deferred until you access your benefit.
- No annual concessional cap for employer and salary sacrifice contributions (subject to a lifetime cap).
- Investment choice – select from a range of options or stay with the default My West State Super plan.
- Competitive fees below the industry median.
- Automatic insurance cover for death and disability, with options to tailor to your needs.
Whether you’re planning ahead or approaching retirement, West State Super gives you flexibility, tax efficiency, and control over 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
Managing West State Super effectively requires more than general financial advice, it demands deep knowledge of its unique rules, tax advantages, and contribution strategies.
That’s why Profusion Planning is the ideal partner. Our team includes former in-house GESB financial advisers, technical specialists, and member services officers, giving us unmatched insight into the complexities of West State Super. This insider experience ensures we can help you maximise your benefits and achieve the best possible retirement outcome.
What makes us different?
- Specialist knowledge of untaxed schemes and contribution strategies.
- Technical expertise to navigate compliance and optimise your savings.
- Seamless implementation of advice thanks to our understanding of GESB processes and internal contacts — saving you time and reducing stress.
- 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 and can make your strategy happen smoothly.
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.
