ABOUT US

We help ADF members and their families achieve greater financial security.
Our aim is to keep you informed so that you are in a position to make the best decisions possible for yourself and your family.
By Defence. For Defence.

Our Charter

The Australian Defence Force Financial Services Consumer Centre (ADF Consumer) was established in 2006. ADF Consumer is an expert and impartial entity that has three tasks under a Charter issued by the Chief of the Defence Force. The three tasks include:

Impartial Financial Education

To offer, in consultation with appropriate regulators, impartial, professional financial education (not personal advice) and relevant resource material to all ADF personnel, in order to assist them to make informed decisions and plans about their financial affairs, and empower them to improve their financial situation throughout their careers and post service.

Advisers to the Chiefs

To act as an expert and impartial advisory body to the Chief of the Defence Force and Service Chiefs on consumer matters related to the financial services industry. For the purposes of this Charter, 'financial services industry' generally describes organisations that offer banking, insurance, lending, superannuation and investment products and services.

Relationship Managers

To build and maintain a professional and positive relationship with relevant external agencies, particularly the Australian Securities and Investments Commission and the Australian Competition and Consumer Commission, relevant industry associations and regulators and participants in the financial services industry.

Annual Report

The ADF Financial Services Consumer Centre Annual Report describes our activities and achievements for the 2023-2024 Financial Year. This report has been prepared by ADF Consumer and you may contact us directly with any questions.

VIEW REPORT

Centre Members

Brigadier Jane Spalding, AM

Chair

Brigadier Spalding joined the Army Reserve as a soldier in 1981 before transferring to the Regular Army in 1983 and commissioning into the Royal Australian Army Ordnance Corps.

She has filled a variety of logistics, explosive ordnance, training and personnel postings including Aide-de-Camp to the Governor-General, Divisional Officer at the Australian Defence Force Academy, Officer Commanding Proof and Experimental Establishment Graytown, Commanding Officer Army School of Logistic Operations, Director General Explosive Ordnance Joint Logistics Command and Chief of Staff Army Headquarters.

Brigadier Spalding has deployed to Timor Leste and Afghanistan.

She was appointed a Member of the Order of Australia in the 2013 Australia Day Honours and Awards for her service in the fields of recruiting and strategic reform. She received a Commendation for Distinguished Service in the 2022 Australia Day Honours and Awards for her service as Commander Task Group Afghanistan.

Brigadier Spalding is a graduate of the Australian Army Command and Staff College, Royal Military College of Science (UK), Centre for Defence and Strategic Studies and the Australian Institute of Company Directors. She holds a Bachelor of Social Science (Human Resource Development) and Masters Degrees in Military Studies, Defence Studies and Strategic Studies. She served as a non-executive Director of the Australian Military Bank during the period 2007 – 2018.