During your first appointment, we’ll work together to review your finances and identify your goals. We’ll then discuss the various ways we can help you and any costs if you decided to proceed.
If, based on the options and costs discussed in our first meeting, you choose to proceed we’ll go ahead and develop your financial plan. We’ll then arrange another meeting to present our recommendations to you.
Our advisers are available to provide ongoing support and continue to work with you to take the necessary steps to put your financial plan in place.1 If you have any questions, your adviser is always just a phone call away.
If you only need advice on your QSuper account, QSuper members have access to professional Super advice over the phone at no additional cost.2
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The cost of your advice depends on your needs. At your first meeting your adviser will identify what may be required and discuss any costs with you before you decide to proceed.
QSuper members: If you need advice on your QSuper account only – you have access to professional advice on your QSuper account at no additional cost you.1
Your adviser will ask you a series of questions to get you thinking about what’s important to you, and what you value most. This in turn will help you develop and prioritise your financial goals. From that point, your adviser will review your current financial situation and identify the ways they can help you work towards achieving your goals. Depending on your needs and situation, your adviser will then determine the scope of advice required, the associated fee, and the benefits you can expect to gain. If you decide to proceed with the suggested scope of advice, your adviser will ask you to provide some additional information and sign some paperwork so we can get started on your financial plan.
Yes. We strongly encourage couples to attend together. That way, we can get a better view on your entire financial picture.
Your adviser will let you know what they’d like you to bring along. Usually this includes things like your ID, payslips and super statements.
Your adviser will create your strategy outline and then work with our panel of specialists to develop your detailed financial plan. When your financial plan is ready, your adviser will arrange a second meeting where they will present the plan to you. Once you're happy with your plan, and with your consent, your adviser can arrange the necessary steps to put your plan into place. We'll prepare the required forms and paperwork and arrange for you to sign them. At this point, you may also choose to establish an ongoing service with your adviser. This means you’ll have continued access to them when needed, and will come back in to review your situation and plan further steps to achieve your financial goals as your life and circumstances change.1
1. Fees may apply. Refer to the Financial Services Guide for more information
2. For Income and Accumulation account members who receive personal financial advice from QInvest, the QSuper Board may pay for some or all the advice fee for advice related to your QSuper benefit. Eligibility conditions apply. Refer to the Financial Services Guide for more information.