Benefits
How can financial advice help you?
Asset allocation
Expert advice can help when investing your super for the long term and diversifying those investments into different asset classes to manage investment risk. Personalised advice will take your values, preferences and motivations into account, while maximising your position and implementing tax-effective strategies.
Supportive partnership
People often turn to financial advice when they are faced with important life events such as starting a family, facing a redundancy, managing a financial windfall, planning for retirement or estate planning. Quality advice goes a long way to help prioritise your short- and long-term needs, and keep the focus on your financial future.
Flexible approach
The ability to choose which type of advice you need is important when meeting your advice needs. Not everyone wants personal financial planning, while others benefit from the complete picture it creates. Some may want advice on one simple issue, such as making extra contributions, while others may look for ongoing advice.
Easy implementation
A true advice partner will be there with you all the way, from making recommendations and answering your questions to implementing strategies and adapting these strategies as you go through life events. It’s a partnership, but they’ll do the heavy lifting—and take care of the paperwork.
Transparent costs
A transparent advice partner will have no hidden fees or surprises at the end of the process. Any fees will be in line with the type of advice you’re getting and it will be quoted upfront. It really depends on how deep you want to go.
Get in touch with us for more information
Give us a call or email us. We're happy to have a chat.
Case study
How advice is helping Anita retire with more
Anita1 partnered with one of our advisers, and acting on their investment strategy advice, she could now retire with $88,000 more.
Anita, age 46, called us to find out if her investment strategy—of being invested in MySuper, a default investment option —would help her reach her retirement goal. We put her in touch with Matthew, an Over-the-phone Super Adviser, who works for Retire360 , our advice partner.
Based on Anita's account information and the answers to a series of questions, Matthew determined that Anita was a Growth style investor and recommended investing 100% of her iQ Super account in our Growth option.
Projected balance at retirement:
- Current situation: $373,899
- After advice: $462,315
- Value of advice: +$88,4162
Matthew documented the advice he provided to Anita in a Statement of Advice, which she received in the mail a week or so later. Shortly afterwards, we called her to help switch her investment strategy to 100% Growth.
Be prepared
Meeting an adviser for the first time?
When you meet an adviser for the first time, make sure you are prepared, so you get the best result from your meeting.
Ask questions
Ask questions—lots of questions
Don't be afraid to ask questions about anything you don't understand or want to know more about. Start with these.
- What can I expect from this meeting?
- What qualifications do you have?
- Can you provide a copy of your Financial Services Guide?
- What’s your approach to providing advice and how can I be sure it will continue to satisfy my needs?
- What fees will I be charged and what are they for?
- Can you give tax advice?
- What if I have concerns about the outcome of this interview?
ASIC’s MoneySmart has a comprehensive list of questions that cover financial qualifications, client needs, fees and incentives.
Useful resources
Interested in exploring your advice options?
We offer general advice, Retire Ready meetings, phone-based advice and comprehensive advice.
Alternatively, with just one phone call, we can work out which of these advice options best suit your personal circumstances. Call us today.