Your needs, goals, and hopes for the future are at the centre of our comprehensive advice.
Work through more complex financial matters by taking an all-inclusive view of your personal
situation. Your planner then translates this bigger picture into achievable steps to help you reach your goals.
Your financial planner can do things like estimate how much you will need for retirement, align investments to your goals and life stage, and maximise your tax benefits inside and outside super. What they cover will depend on your personal situation and what you want to achieve.
What to expect
Getting to know you
Your planner wants to know what’s important to you — your lifestyle and financial goals.
Your first meeting is about getting to know you and there is no charge or obligation to progress to a full plan. Before progressing, your financial planner will take you through the next steps and will discuss any fees and charges.
Bringing your plan to life
By having a clear understanding of your lifestyle and goals, your financial planner will be able to develop strategies to help you achieve your goals.
You'll receive tailored recommendations and you’ll talk about the sorts of hurdles you may come across, and how best to tackle them.
For any recommendations you receive, you’ll be taken through the risks and costs involved. If you’re comfortable to move ahead, your financial planner will do all the heavy lifting to put your plan into action.
Putting your plan into action
How long this takes will vary depending on the complexity of your plan. During this time, you’ll be fully informed and, where appropriate, your planner will work with specialist professionals, such as an accountant or solicitor, to help put your plan into action.
Keeping on track with your dedicated planner
For an additional cost, you can sign up to the ongoing review service. This will ensure your plan is adjusted for changes to your personal circumstances, changes in the economy, investment markets and legislation — making sure you stay on track to achieve your goals. You also have peace of mind and help with any queries at any time. Or you can access advice on demand and meet with your planner to update your plan when you need to, and pay for the advice you receive as you go.
Our financial planning partners have detailed and up to date knowledge of First State Super and the unique needs of our members. And their objective is to provide you with information and advice that meets your needs.