The trusted financial coach for Defence personnel

Whether you want to get the most out of your Defence entitlements, or need personalised tax, loan or real estate advice to grow your wealth, Spectrum can make it happen. We’ll help you save time and money by tailoring a solution that meets your unique needs.

We can help you:

  • Get on the property ladder
  • Find a quality investment property with high capital growth potential
  • Review your current loans to make sure they’re the right fit for you
  • Find the right home loan
  • Understand your Defence entitlements
  • Lodge tax returns

Our door is always open, so you’ll get expert advice every step of the journey.

Finance can be confusing. We’ll help you make sense of it…

Home Ownership

Make your property dreams come true. Spectrum will guide you through the buying process and help you get a loan.

Home Loans

We work with a wide range of lenders, so we’ll help you get the best loan for your unique circumstances.

Property Investment

Build your wealth and secure your financial future with our expert property investment advice.

Tax Planning & Advice

Want to reduce your tax bill? We know all the legitimate deductions and minimisation strategies you can use.

Defence Entitlements

Get the tax, finance and accounting support you need to maximise your ADF entitlements.

Resource Centre

Need more Defence-focused financial information? Get it in our resource centre.

How we help ADF personnel


We help ADF personnel make the right financial and investment decisions about:

Defence entitlements

Property (home and investment)

Borrowing and loan structures

Tax Planning

Through education our clients are empowered with the knowledge and understanding to make the right investment decisions for them. We visit all major Defence locations and provide No Obligation financial education presentations for groups and personalised individual appointments.

Personalised advice

One-size-fits-all financial advice is bad advice. So we work with you to develop a personalised long-term investment strategy based on your unique circumstances and goals.

Ongoing support

Stay on track with regular, ongoing reviews that help you maximise your potential.

How to build a property portfolio by the time you leave the ADF

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