Defence Entitlements

Maximise Your Entitlements

If you’re in the ADF, do you know if you’re making the most of your entitlements to maximise your income and reduce your tax? Spectrum provides educational support and advice to ADF families within the scope of our accounting, taxation and finance licences.

We can assist you with understanding:

Salary Sacrificing

Fringe Benefits




Do you know all the benefits you’re entitled to as a member of the Australian Defence Force? Generous superannuation, paid trade qualifications and subsidised accommodation. There’s a number of entitlements you may already know about but there’s likely a whole host you aren’t aware of that can help you to amplify your take home pay and reduce tax. You also have a number of options for salary packaging to help you pay for childcare, computers and cars while reducing your taxable income along the way. Plus, you may be able to access a number of fringe benefits that can help you and your family to live more comfortably and maintain optimal health. For further information or advice regarding your DHOAS eligibility please visit

We educate people about their entitlements to ensure they are understood, maximised and used at the right time. We also help them to explore how to leverage home ownership schemes to maximise investment potential for financial security. So set yourself up for the future by ensuring you’re making the most of your entitlements today. Our large network of existing ADF clients are now more than just clients – they are friends who we do business with.

Need accounting, taxation or finance licence support?