Introducing Trevor Nock - Research Manager Civic Financial Planning

A talented, and driven individual, Trevor has been the Research Manager at Civic Financial Planning since August 1998. Prior to joining Civic Financial Planning, he spent 31 years working with the Commonwealth superannuation schemes at the Department of Finance and Deregulation and ComSuper.

As part of his career, Trevor was a member of the design team for the Public Sector Superannuation Scheme (PSSdb) and has also been associated with the implementation and administration of the Commonwealth Superannuation Scheme (CSS) and PSSdb. Trevor is now a consultant to Financial Index Australia and provides technical advice to the advisers at Civic Financial Planning and to Financial Index Australia advisers at large.

Trevor’s field of expertise focuses on the complexities of the Commonwealth superannuation schemes as well as more general superannuation issues.

Trevor’s experience is invaluable for Retiring Commonwealth employees who are faced with many options from their superannuation fund at retirement. Civic Financial Planning advisers, through specialised training, are able to advise retiring Commonwealth retirees on the appropriate retirement options so that they achieve optimal retirement benefits from their superannuation Fund.

To assist members of the Commonwealth superannuation schemes, comprising the CSS, PSSdb and the PSSap, plan for their retirement and choose the correct benefit, Trevor has written a book that comprehensively covers all aspects of the Commonwealth superannuation schemes. This book is called Retirement Planning for APS and Other Australian and ACT Government Employees 2010-11.

Retirement Planning for APS and Other Australian and ACT Government Employees 2010-11 covers all aspects of the Commonwealth superannuation schemes starting from when a member joins the Commonwealth as an employee through to retirement from Commonwealth employment. The book includes discussions on the various aspects of membership of the Commonwealth Superannuation Schemes including:

Options during the accumulation phase of membership
Supplementing benefits from the Commonwealth Superannuation Schemes with other superannuation benefits, such as salary sacrificing to a private superannuation fund
How marriage breakdown can affect superannuation entitlements from Commonwealth superannuation schemes

Types of benefits payable on resignation or early retirement
How to enhance retirement benefits when approaching retirement
How to achieve optimal retirement benefits from the Commonwealth superannuation schemes

Retirement Planning for APS and Other Government Employees 2010-11 is available, at no charge, from Financial Index Australia. Please contact your financial adviser for a copy.

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"David McKay has been my financial adviser for approximately ten years. During this period the stock market has had its ups and downs but that hasn’t really mattered, because David has adopted a long-term approach. There have been no get-rich-quick schemes; just good, sound, practical advice. Along the way I have benefited greatly from several tax-effective saving methods. Such techniques are common practice for an experienced financial adviser, but a mystery to the layman. Everyone should have a good financial adviser! ." Geoff Foster , Adviser - David McKay

"I have been a most satisfied client of Civic Financial Planning for the past 14 years and Tom Dawes has been my financial advisor for the past ten years or so. Tom has a vast knowledge of the financial world and consistently provides prompt, efficient and accurate advice in which I place a high level of trust. I have no hesitation in recommending Tom Dawes as a most helpful and friendly financial advisor who always gives his clients a personal and professional service. " Paul Taylor , Adviser - Tom Dawes

"Howard Kemp became Financial Adviser to my husband and I on retirement and since my husband’s death I have been very grateful to Howard for his guidance and advice concerning my financial situation. He answers my questions clearly and takes into account my wishes and comments and I have confidence in the decisions that I make. I trust Howard and appreciate his professionalism." June Falkner, Adviser - Howard Kemp

"Tom has been my adviser for ten years now. I find him very knowledgeable. His communication style is easy to understand and his advice is accurate. I have complete trust in him. " Glenda Anderson, Adviser - Tom Dawes

"I have been a client of Tom Dawes since 2003 and since then we have formed a solid professional and personal rapport. We have a friendly and open client/adviser relationship based on Tom’s professionalism, competence and ability to respond to my needs. Tom is always available to answer my queries and his advice is well-researched, fully explained and delivered in a timely manner. Because of his performance over the years of our relationship, Tom has my complete trust." Greg Kennett , Adviser - Tom Dawes