Welcome to the APS Member’s Lounge
The APS Member’s Lounge is a safe space for you to learn, get inspired, meet the team and ask those hairy and scary finance questions!
Videos
Ask a question
Services
Learn more about financial wellbeing
Every month, we record a chat with one of our friendly experts about a topic that will support you to protect and improve your financial wellbeing. You’ll hear from our home finance specialists, financial planners, accounting experts, and our loans team as we unpack everything in the world of finance.
![Members Lounge Better Budgeting](https://b1928744.smushcdn.com/1928744/wp-content/uploads/2024/01/Members-Lounge-Better-Budgeting.jpg?lossy=0&strip=1&webp=1)
Meet the team and learn more about financial wellbeing ….
![Members Lounge Better Budgeting](https://b1928744.smushcdn.com/1928744/wp-content/uploads/2024/01/Members-Lounge-Better-Budgeting.jpg?lossy=0&strip=1&webp=1)
Meet the team and learn more about financial wellbeing ….
Ask Gabby!
![ASK GABBY online wills](https://b1928744.smushcdn.com/1928744/wp-content/uploads/2023/08/Copy-of-Copy-of-3.75p.a.-12-month-term-9.jpg?lossy=0&strip=1&webp=1)
Do you have hairy finances questions that you are burning to ask our team? How much money do you need to save for retirement these days? Is it the right time to buy property?
We are inviting you to submit your finance questions to our curious fan girl Gabby, who will be interviewing the APS team and answering all of your (big or small) questions.
Make the most of your membership
One of the many perks of being an APS member is that you have access to all of our financial services in one place. Whether you need a loan, financial planning advice, an update to your estate plan, or a new accountant, we have a friendly team to support you every step of the way.
![APS Services Tax & Accounting](https://b1928744.smushcdn.com/1928744/wp-content/uploads/2024/01/APS-Services-Tax-Accounting.jpg?lossy=0&strip=1&webp=1)
Be money smart with our tax and accounting suite for your personal and business finances.
![APS Legal Services](https://b1928744.smushcdn.com/1928744/wp-content/uploads/2024/01/APS-Legal-Services-1.jpg?lossy=0&strip=1&webp=1)
Navigate the important decisions in business and in life with help of APS Benefits legal services.
![APS Services Financial Planning Superannuation](https://b1928744.smushcdn.com/1928744/wp-content/uploads/2024/01/APS-Services-Financial-Planning-Superannuation.jpg?lossy=0&strip=1&webp=1)
Achieve wealth and security on your terms with the help of APS financial services.
![APS Term Investments](https://b1928744.smushcdn.com/1928744/wp-content/uploads/2024/01/APS-Term-Investments.jpg?lossy=0&strip=1&webp=1)
With fixed interest rates and no maintenance fees, reach your savings goals sooner with APS Term Investments.
Learn more about financial wellbeing
10 common tax return mistakes to avoid
The pressure to get everything right on your tax return can feel overwhelming. With ever-changing tax laws and complex forms, it’s easy to make mistakes that could delay your refund or even lead to penalties. But don’t worry—by being aware of some common pitfalls,...
6 benefits of putting your money into a fixed-term investment
In today’s uncertain financial landscape, finding a secure and reliable way to grow your savings is more important than ever. Fixed-term investments offer a structured and predictable path to financial growth, making them an attractive option for many investors....
Planning for retirement while managing debt
As the cost of living continues to rise, many Australians are finding themselves carrying debt into retirement. According to recent ABS figures, household debt has surged over the past two decades, with the average debt increasing from $62,000 in 2003-04 to a...