Personal financial advice may help you save money right now, build a better future retirement, protect what you have and set strategic goals.

Staff

Salaried advisers

Fee-for-service means you’ll know exactly what you’ll pay up front – and everything we do is in your interests.

Hand shake

No upfront cost

Your QInvest adviser will always let you know what any advice fee will be before you commit to action.

Pig

Pay from your super

QSuper members are able to pay part or all the advice fee directly from their QSuper account.1

Types of personal advice and cost

Online advice

Provided at no additional cost, exclusively for QSuper members.

Topics

  • Super contributions
  • Investment mix

Cost

Included with QSuper membership for eligible members2

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QSuper account advice

Over the phone financial advice on specific topics related to your QSuper account.

Topics

  • Investment options
  • Super contributions
  • Insurance options
  • Withdrawals

Cost

No out of pocket costs1

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Personal financial advice

From simple to comprehensive, financial advice to suit your level of need. Depending on the level of advice you choose, topics may cover:

Topics

  • Superannuation
  • Budgeting
  • Retirement projections
  • Investments outside super
  • Debt management
  • Personal insurance
  • Centrelink/DVA entitlements
  • Taxation
  • Aged care living
  • Savings plan
  • Estate planning

Cost

The cost of financial advice is generally between $295 and $2,600, and will vary depending on the level of advice selected. Your QInvest adviser will always let you know what the advice fee will be before you commit yourself to take action. You’re able to pay part or all of the advice fee directly from your QSuper account.3

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1. When you receive personal advice, the QSuper Board will pay some or all of the advice fee for advice related to your QSuper benefit.
2. Some members may not be eligible to access Online Advice.
3. When you receive personal financial advice, the QSuper Board may pay for some of all the advice fee for advice related to your QSuper benefit. The circumstances when QSuper will not be able to contribute towards the cost of advice include where: (i) you have more than two advice appointments in a financial year; (ii) the advice does not relate to your QSuper benefit; (iii) you require assistance with implementing your advice or require periodic reviews; or (iv) if you have recurring advice needs.”
The amount eligible to be deducted varies depending on your situation and the nature of advice. The amount may only be deducted from a QSuper Accumulation or Income account and is subject to minimum QSuper account balances being maintained. The deduction from your QSuper account is referred to by QSuper as the 'advice fee'. Your Adviser will be able to discuss this with you.