Expanded guidance and advice for members

We know expert guidance and advice can play a valuable role in helping you get more of the future you want. That’s why we provide you with the type of advice you need, when and where you need it.

The value of expert advice

For many of our members, the benefits of receiving expert financial planning advice go beyond simply making the most of their nest eggs. Just as beneficial is the sense of relief and peace of mind they feel from knowing they’re more in control and have a plan – especially during periods of economic uncertainty.

Our newly combined fund has financial planners working across the country to deliver quality financial advice to members – advice that can make a genuine difference to your future. What’s more you can now access an expanded range of financial planning expertise and capability.

This service is split into two key forms of advice – simple advice, limited to your account, and comprehensive advice. Comprehensive advice includes new services for VicSuper members such as advice on budgeting, cash flow management, and investments outside of super. More topics are outlined in the table below. Additionally, you can access specialist aged care advice, insurance and estate planning. Learn more about our advice.

 

 

Advice offering

Simple Advice

Personal advice on the following topics:

  • Lump sum contributions
  • Deductible contributions including salary sacrifice
  • Government co-contribution
  • Investment choice
  • Insurance gap analysis
  • Retirement health check
  • Advice in relation to the commencement of a Transition to Retirement income stream for the purpose of reducing your work hours
  • Advice to commence an account-based retirement income stream

 

Comprehensive Advice

Personal advice on the following topics:

  • Goal setting and tracking
  • Downsizer super contributions
  • Advice in relation to using a Transition to Retirement income stream to maximise super
  • Advice in relation to using a Transition to Retirement income stream to meet future capital requirements
  • Commencement of an account-based retirement income stream
  • Commencement of a non-account based retirement income stream
  • Super consolidation advice
  • Centrelink (Age Pension entitlements & concession cards)
  • Intergenerational wealth transfer
  • Budgeting/cash flow
  • Investment of assets outside of super

Provided at no additional cost to members.

Costs vary depending on the type of advice required, and may be paid directly via EFTPOS from a bank or credit union account, or paid by credit card. The cost of any advice relating to your super may also be deducted from your super account.

 

Financial planning services are provided by Aware Super’s financial planning business, Aware Financial Services Australia Limited, ABN 86 003 742 756 AFSL No. 238430

Discover and Learn

New to super? Already retired? Somewhere in between? At VicSuper, our online learning hub, provides information and tools to help you take control and get more of the future you want. No time limits, no tests, just practical information to help you make informed decisions and get it sorted. Step inside our Discover and Learn hub and get started.

Explore now

It’s never too soon or too late to get some expert advice

From a simple 30-minute chat with one of our team, through to a more detailed consultation with one of our financial planners, we can help you understand how to grow your super faster, or how to maximise your retirement benefits and minimise your tax.


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