Retirement Options Service (ROS)

Review your retirement plans with an expert

Our Retirement Options Service (ROS) consists of a 45-minute, face-to-face meeting1 with one of our experienced consultants, who know and understand our unique schemes.

They will provide you with information about your specific situation, answer any questions you may have and explain the options you have for your retirement.

What you get out of the service

The topics covered will vary, depending on your individual situation and any specific requirements that you may have. Prior to confirming your appointment, a consultant will speak with you on the phone to understand what your needs are and what you would like to discuss when you come in.

You have control over the topics you want to go over, so that you can get the most out of your 45-minute session.

Our consultants can provide you with factual information and details on:

  • Retirement income streams and how they operate
  • How to open a Retirement Income Allocated Pension account, including assistance with paperwork
  • How to increase your super before retirement
  • Transition to Retirement strategies
  • Conditions of super release
  • Tax in retirement
  • Centrelink entitlements

We can also talk about the unique features of Gold State Super and West State Super. Common questions that are often asked include:

Gold State Super

  • How is my benefit calculated?
  • What effect does Pre-1 July 1983 service have on my account?
  • What is the difference between salary sacrifice and after-tax contributions?
  • What happens to my account if I don't want to access it once I am retired?
  • What happens to account if I don't meet a condition of release and have left WA State Government employment?
  • At what stage might I withdraw from Gold State Super?
  • How does Transition to Retirement impact my service multiple?
  • How can Salary Maintenance benefit me?
  • What is my optimum Retirement Date?
  • What are the tax considerations unique to Gold State Super?

West State Super

  • What is the impact of Pre-1 July 1983 service?
  • What does untaxed fund mean?
  • How does salary sacrifice help me reduce tax?
  • How much can I salary sacrifice per year?
  • Can I make personal contributions?
  • When can I access my super?
  • Do I need to access my super if I'm over 65 and no longer working?

Who can book a ROS appointment?

Any of our members can book a ROS appointment, although these sessions are generally suited to members approaching or planning for retirement.

What you need to prepare

To get the most out of your appointment, we recommend that you have already attended one our retirement seminars, or registered for one of our webinars. These will give you a basic understanding of your retirement options, which means that you can spend more time discussing your specific situation when you come in to see us. It will also help to read up about your GESB accounts before you come in. For more information, see the Product Information Booklet relevant to your account.

How much does it cost?

A fee of $4652 is charged for ROS and can be paid in one of the following ways:

  • Authorise us to deduct the fee directly from your GESB Super, West State Super or retirement income account, or
  • Pay the fee directly from your nominated cheque or savings account or by credit (we accept MasterCard and Visa)

For more information see the GESB Super schedule of fees or the West State Super schedule of fees.

Book now

ROS appointments take place in our Perth CBD office.

You can email our ROS team to find a time that suits you by selecting the 'book now' button below.

Please include your full name, member number and best contact number in the email.

One of our ROS consultants will be in touch with you within five working days.


Book a ROS appointment

Or alternatively, contact your Member Services Centre on 13 43 72 between 7.30am - 5.30pm (AWST), Monday to Friday, to book an appointment.

Have you been to a retirement seminar?

To help get the most out of your ROS appointment, we recommend you first attend one of our retirement seminars or webinars. Our seminars and webinars will provide you with the tools and insight to help you plan for your future. It's also a great way to help you prepare if you are thinking of attending a ROS appointment or getting personal financial advice.


1 ROS is not financial planning advice.
2 This fee is subject to annual indexation, which will be applied on 1 July each year.

Disclaimer: information provided to you in your ROS appointment is of a factual or general nature only and doesn't take into account your complete financial situation. If you are looking for more complex financial planning advice, your ROS consultant can provide you with a list of questions that may help when choosing a financial adviser.