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:

I want to speak to a super adviser

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.

Get in touch

Contact us

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 explain the difference between concessional (before-tax) contributions and non-concessional (after-tax) contributions and recommend a contribution strategy that will suit your circumstances.

  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. Total & permanent disablement payout

    If you’ve successfully made a claim for total & permanent disablement, we can discuss payment options and (if appropriate) also provide advice about the most appropriate way to use the payment to start an income stream.

  6. Reviewing payment amounts from an income stream

    If you have an income stream with us, your regular payment must be between certain minimum and maximum limits set by the government. We can help you decide the appropriate amount.

  7. Retirement income stream projection

    We can provide you with a projection on how long your retirement income stream money will last with the current income drawdowns. If you would like to change your income payments, we can provide a comparison of the difference in your retirement savings if the payments are adjusted.

  8. General advice

    We can provide general advice on a wide range of financial topics such as retirement options, nominating beneficiaries, Centrelink, superannuation consolidation, redundancy and estate planning.

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.

I want to book an appointment