Altum Independent Financial Advice

Altum is led by independent fee-for-service adviser Handre Vlok. His work covers retirement and superannuation, including the CSS, PSS, MSBS and DFRDB defined-benefit arrangements relevant to public-sector and Defence clients. An introductory call helps establish the advice scope and costs.

Altum gives particular attention to public-sector and Defence retirement choices. Defined-benefit entitlements may depend on service history, timing and benefit options. Handre uses an introductory call to establish which questions require a more detailed personal advice engagement.

Public-sector and Defence pension arrangements are a particular area of focus. CSS, PSS, MSBS and DFRDB members may face benefit and retirement choices that differ from those of ordinary superannuation members. Handre considers the relevant scheme rules alongside employment history, other savings, family commitments and the intended retirement date.

The practice also helps clients consider investment strategy, cash flow and the financial aspects of protection and estate decisions. Advice begins with the question the client wants to resolve, whether that is a defined-benefit entitlement or a broader plan for the years ahead.

Prospective clients can arrange an introductory call to discuss their circumstances and understand the service and fee structure. Where an engagement proceeds, the scope is agreed before detailed advice is prepared. Meetings can take place at the Allara Street office or remotely.