We can help you work towards a better financial future, one decision at a time.

Knowing where to turn for financial advice can be hard, especially when you may not even know what questions to ask or where to start.

Talking about your super can help build your confidence when making decisions about your future.

Our team can talk you through the basics of managing super and help you get more out of your membership with us.

Simple advice is already included in the cost of your membership – so you don’t have to pay anything upfront.

We always have your best interests front and centre, and we’ll only give you information to help you succeed.

You don’t need to be asset-rich or have a clear idea of what you want to achieve. An interest in your own future is the only thing you need to make an appointment with us.

[1] Based on Budgets for various households and living
standards for those aged around 65
(June Quarter 2015,
national). Source:
[1] Based on Budgets for various households and living
standards for those aged around 65
(June Quarter 2015,
national). Source:
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What does simple advice cover?

Simple advice can help you understand what's possible with your super and the rules that apply.

Our super advisers can talk to you about how to choose an investment option, what to think about when assessing your insurance needs and explore how much you could be contributing on top of your employer's contributions

If you’re thinking of leaving work permanently, we can talk to you about different ways of accessing super and meeting your lifestyle goals.

You don’t need to be approaching retirement to benefit from financial advice. No matter what stage of life you’re in, our advisers can help you look at things from a different perspective and discover new ways to make your super work harder.

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What we can help with

  1. Choosing an investment option

    We will ask you seven simple questions to determine how comfortable you are with taking investment risks. Based on your answers and further discussion with you, we will recommend the First State Super investment options appropriate for your particular circumstances and attitude to risk.

  2. Insurance gap analysis

    We can help you assess how much cover you need to protect yourself and your family in the event of illness, injury or loss of life.

  3. Superannuation contribution options

    We’ll discuss the difference between before-tax contributions made through your employer (concessional) and after-tax contributions you can make yourself (non-concessional). We will then recommend which option will be appropriate for you and save you tax and boost your retirement savings.

  4. Starting a retirement income stream

    We’ll talk you through the process and benefits of starting an income stream, and help you set up a tax-effective income stream suited to your personal situation.

  5. Reviewing payment amounts from an income stream

    If you have an income stream with us, you’ll need to choose your regular payment amount each year according to minimum and maximum limits set by the government. We can help you work through the options available to you.

  6. Start a conversation

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What you need to know

Simple advice is included in your membership. You can talk to us over the phone or face to face at no additional cost.

An upfront fee is payable for more complex advice, including advice that looks at your financial situation outside of super. This fee may be deducted from your super account.

You can talk to us about your needs before you book an appointment so we can be sure that your appointment is with the right adviser for you.

Financial planning advice is provided by First State Super Financial Services Pty Ltd ABN 37 096 452 318, AFSL 240019.

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