How advice works


Getting started with financial advice is easier than you might think. If you’re not sure what type of advice is best for you, call us to discuss your needs and we’ll recommend your next steps. It could be as simple as a complimentary meeting to take you through your super options or a phone call with a financial adviser.

Comprehensive and select advice

Before meeting your adviser

When you make an appointment you’ll be asked what topics you would like help with. Based on this, we’ll ask you to bring some documents to your first meeting. These could include:

  • Your budget (income and expenses)
  • Paperwork on any investments, insurance or loans you may have
  • Bank and super account statements
  • Pay slips

Prepare any questions you have—your adviser will be happy to answer them to ensure you understand the financial advice process.

Your first meeting or phone conversation

Your adviser will get to know you by asking about your goals and what’s important to you. They’ll also look at your current financial position and use this information to determine the scope of your advice.

If you agree that personal financial advice is for you, your adviser will quote the cost of providing personal financial advice and creating your financial plan.

Take the time to get to know your adviser—ask your questions and get the information you need to decide if you would like to proceed.

Developing your plan

If you decide to proceed with personal financial advice, your adviser will develop financial strategies and incorporate them into your personal financial plan, known as a Statement of Advice (SoA). Your adviser will take you through your SoA in detail. They’ll explain the strategies they’ve recommended and go through how to implement your plan. They’ll also explain any risks involved and of course answer your questions.

Implementing your plan

For comprehensive advice, we will implement your plan for you where possible. Some implementation support is available for select advice clients at an additional cost.

Reviewing your plan

You can choose to review your plan with your adviser every year or if things change for you to help you stay on track to meet your goals.

Ready to get started?