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Advanced financial advice

Tailored solutions for your complex needs.

How to select the right adviser

Choosing an adviser that’s a good fit for you.

Choosing a financial adviser is a very personal decision – whether it’s advice you need for a point in time or something more complex you want to address on an ongoing basis. Your relationship with your financial adviser will be confidential – and based on trust. So you can be:

  • confident that your adviser understands you and has your best interests at heart
  • comfortable with the honesty and expertise of your adviser
  • satisfied with the level of service you receive.

It’s important to always choose an adviser that has an Australian Financial Services licence (AFSL) or one who is employed by or is authorised to represent a business that holds an AFSL.

Find an adviser near your today.

Comprehensive advice in four easy steps.

Once you’ve chosen a financial adviser to work with, the advice process starts with you. It’s about your adviser getting to know you, your situation and what's important to you. Here’s how our advice process works in four easy steps.

  • Discover and define

    The first step is about discovery. Your adviser will discuss your current financial situation, define your goals and focus on what’s important to you.

    What to expect:
    • Complimentary first meeting.
    • Discussion on how you can expect to work together with your financial adviser to meet your financial goals.
    • Talk through your current financial situation and where you would like to be.
    • Discussion on fees and charges you can expect if you choose to proceed with our financial advice recommendations.

    Preparing for your first meeting
    • Think of your goals. What do you want to achieve?
    • Have a clear picture of your current financial situation:
      • What do you own?
      • What are your debts?
      • What is your income?
      • If you have questions, write them down and bring them with you.
      • If you have superannuation statements and insurance statements, bring them along.

    You adviser may ask you to fill out a ‘fact find’ document to better understand your needs and current situation.

  • Commitment and planning

    The second step is about commitment. Your adviser will recommend a plan and agree to a fee to help you reach your goals.

    What to expect:
    • Exploration of your short and long-term financial priorities, needs and goals.
    • Build a foundation of advice based on your current situation – with the view to reviewing this as your circumstances change.
    • A financial reality check of where you stand financially now, including potential risks and opportunities that may lie ahead.
    • Advice recommendations and strategies based on your situation and future goals.

  • Recommendations and implementation

    The third step is about putting your plan in place. Your financial adviser will work with you and prepare a financial plan outlining strategies and solutions tailored for you.

    What to expect:
    • A Statement of Advice (this is your financial plan).
    • Answers to any questions you have.
    • Explanation of information relating to fees, commissions relating to recommendations specific to your plan.
    • If your financial adviser recommends a specific financial product, you can expect to receive a Product Disclosure Statement (PDS), which includes all product information you need to know.
  • Review and refine

    The fourth step is about staying on track, so you can confidently achieve your financial goals and live the life you want.

    What to expect:
    • Your financial adviser should recommend a review of your plan, goals and circumstances. Depending on your plan, this can be as often as twice a year or only every two years.
    • If your circumstances change, you can expect a modified plan to continually stay on track.
    • You have the control to ask your adviser to dial-up or dial-down the support you want so you can feel confident to achieve your financial goals.