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Direct Super Management is undergoing an exciting rebrand to be more representative of our service offering. Our new name moving forward is Gilbee's Mortgage Planning. The new website is under construction and can be located at www.gilbees.com.au. Our office location and staff remain the same.
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Congratulations to the winner of the Kia Cerato - Beverley from South Morang, enjoy your new car! A big thanks to Tim and all of our friends at Blackburn Kia.

Win a Car

Free Entry

The Major Draw is a brand new Kia Cerato S AV Auto Hatch valued at $20,990 including on road costs.

Major Prize draw entries close 1st October 2018 and drawn on the 2nd October 2018.

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Here For You

“Our mission is to work hard to assist you build and manage your entire financial world”

At DSM, we take pride in helping you #findafairerdeal, and we're ready to help yousecure your dream home or investment property.

Caitlin's story reminds us of how brave some young individuals can be.

The Conroy's story pull at the heart strings and it certainly illustrates the importance of support in a time of need.

Having the right insurance can make a world of difference and DSM's mission is to help all individuals and families who feel they don't have appropriate cover.

A home loan with intelligent extras

DSM isn't just your ordinary Mortgage Broker. Backed by our Financial Advisers your new home loan from your lender of choice also comes with a money management plan.

Information and control in the palm of your hand helps you manage your finances like a pro without having to lift a finger.

• Automatic budgets allowing you to keep track of where your money goes
• Link your professionals for support and assistance
• Mortgage Reduction Strategies with monthly status reports
• Data feeds for Super, Investment Properties, Shares, SMSF

Testimonials - Why choose us?

DSM helped Jane create a successful Self-Managed Super Fund and protect her livelihood with a comprehensive personal insurance plan. Jane talks about the support and advice.

DSM were happy to assist Steve & Nicole on their debt reduction and money management path. Steve's got a few words on the comparison of banks support v DSM support.

We are delighted to assist Oto & Erica with their retirement strategies. Hear in their own words how a Financial Plan from Direct Super Management worked out for them.

If you have had numerous employers over your working life you might have unaccounted for super funds that we can help you consolidated. Contact us today and we will help you search for any lost superannuation funds that you might be entitled to. Ph: 9633 7180
Our team of highly skilled financial experts each have their specialty areas giving you a wealth of knowledge to help you with your financial planning and retirement strategies. They look forward to guiding you through the maze of financial options.
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Our Partners

Direct Super Management is partnered with a group of companies that cater for a wide variety of property investment and superannuation options that can extend your financial potential and ensure you are maximising your future financial success.

Frequently Asked Questions

I'M GETTING DIVORCED - WHAT HAPPENS TO MY SUPER?

Superannuation forms part of the matrimonial assets, and are therefore on the table when calculating a split of assets in a divorce.

Many times in the past, the main income earner would keep their superannuation, and lose the home. This is not an appropriate strategy for many people however, as superannuation is locked away until retirement. You should always consult a financial adviser in conjunction with your solicitor when dividing assets in divorce.

HOW CAN I RETIRE EARLY?

You can’t.

 

Well… maybe you can.

 

If you wish to retire early, you will need to build your personal wealth to a level that can support your desired income in retirement, without being able to access the age pension. If you want to retire before your superannuation preservation age, you will need even more wealth to support you until you can access this.

 

Please speak to a professional adviser to help determine appropriate strategies for building wealth.

HOW WILL WE BE AFFECTED IF MY PARTNER NEEDS AGE CARE BUT I DON'T?

Aged care is a complex area, with many financial considerations to be taken into account. Something that many people miss in the complexities of calculating bond payments, daily living allowances and expenses as well as additional spending money, is the fact that while the partner needing aged care is sorted out, not enough attention is provided to the partner who will remain in the home.

Living expenses do not decrease by half just because someone moves out. This is something you need to ensure is managed with your adviser.

HOW MUCH CAN I INVEST IN MY SUPER FROM 1ST JULY 2017?

Under the new contributions caps, each person can contribute up to $25,000p.a. including any employer guarantee contributions, and claim tax deduction for what they put in personally.

If not claiming a tax deduction, $100,000p.a. can be contributed. This can be brought forward for 3 years, so you can contribute up to $300,000 in one year, but none in the following 2.

CAN MY CHILDREN INHERIT MY SUPER?

Yes, your children can inherit your superannuation, but there can be tax issues if the children are adults. There are a number of strategies to address this and reduce any potential tax for your children when inheriting superannuation. You should discuss this with your adviser.

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