Financial advice

How can financial advice help you?

At Brighter Super, we believe in ensuring our clients have money when they need it most. Our financial advisers can provide an honest assessment of your financial situation, help identify your goals, and customise a plan that best suits you.

Whatever stage of life you’re at, it's never too early or late to start planning for a better financial future with advice on:

Managing your debt and cash flow
Tax effective investment strategies
Protecting your money against inflation and investment risk
Protecting your income and lifestyle in case life takes a turn for the worse
Accumulating enough money for your retirement
Maximising your income in retirement.

A Brighter Super financial adviser can also help keep you on the path to financial success, by providing you with the advice and support you need over the long term.

Brighter super single issue icon

Intrafund advice

Brighter Super members can receive limited advice about their super, at no additional cost.

Topics

Different ways to grow superannuation, such as salary sacrifice and personal contributions.
Choosing an investment option.
Insurance available through Brighter Super.

Delivery

Phone

Cost

No cost (your administration fee already covers the cost of this service)

Retirement Health Check

A 30-45 minute phone appointment with a Brighter Super financial adviser.

This can be an ideal introduction to financial advice for members who are wondering if they are on track to achieve a comfortable retirement.

Topics

Project your retirement savings.
Determine how long your money will last in retirement.
Consider your eligibility for the government’s Age Pension.

Delivery

Phone

Cost

$330 (payable from your super account)

Brighter super icons-large-scaled advice-view

Scaled advice

Personal financial advice about your retirement within Brighter Super.

Topics

Retirement adequacy.
Opportunity to commence a Brighter Super account-based pension.
Transition to retirement (TTR).
Determining Centrelink entitlements.

Delivery

Phone
Video

Cost

$990 (payable from your super account)

Comprehensive advice

A complete view of your financial situation to tailor advice to your individual needs.

Cost will depend on the type and complexity of personal advice you require.

Topics

Holistic family wealth management and retirement planning.
Tax effective income streams.
Superannuation product comparisons.
Maximising your super plus government benefits such as the Age Pension.
Wealth creation outside of superannuation.

Delivery

Face-to-face
Phone
Video

Cost

Typically $3,700 – $5,600 (may be payable from your super account)

Review advice

Advice to keep you on track to achieve your goals.

Cost will depend on the type and complexity of personal advice you require.

Topics

Review your goals and objectives.
Adjust your plan when your circumstances change.
Take advantage of legislative changes.

Delivery

Face-to-face
Phone
Video

Cost

Typically $2,700 – $4,000 (may be payable from your super account)

Plan, grow and protect

Talking to our financial advisers can help you to:

explore opportunities to grow your super, maximising your retirement savings
create a plan to achieve a more comfortable lifestyle in retirement
protect you and your family in the event of death, illness or disability.

Our team can help you identify your needs and make the right decisions for your future.

For our comprehensive advice, as a first step we offer Brighter Super members an initial complementary, obligation free consultation. We can discuss the type of financial advice that would suit your personal situation and financial goals.

During this initial consultation, we will provide a quote for the preparation of a personalised financial plan – also known as a Statement of Advice. You can then decide whether to proceed or not.

Brighter Super’s staff are paid a salary and don’t receive commissions, fees or bonuses for the recommendations or advice they give you. However, your adviser may be paid a bonus incentive which is based on a number of performance-based measures.

To book an advice appointment, complete our online form, email us on advice@brightersuper.com.au
or call us on 1800 444 396.

* Brighter Super Financial Advisers are Authorised Representatives of Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL No 232514. In limited circumstances, a Financial Adviser may also be an Authorised Representative of ESI Financial Services Pty Ltd (ESI Financial Services) ABN 93 101 428 782, AFSL No 224952. ESI Financial Services is a wholly owned entity of LGIAsuper Trustee (ABN 94 085 088 484) as trustee for LGIAsuper (ABN 23 053 121 564) trading as Brighter Super. ESI Financial Services provides financial services to Brighter Super members and employers under a service agreement with Brighter Super. ESI Financial Services has engaged IFS to facilitate the provision of financial advice to Brighter Super members. ESI Financial Services has also engaged Link Advice Pty Limited ABN 36 105 811 336, AFSL No 258145 to provide Brighter Super members with access to limited personal advice over the phone in respect to Brighter Super products.