This advice is about how super and product options work in general, so it's not specifically about your personal situation. You can contact us with any questions about how your accounts work. Or use our calculators, and expand your confidence with our educational articles, podcasts, webinars, and more.
Get personal financial advice about your super with Australian Retirement Trust, with our qualified financial advisers. We can help you make the most of your super now, plan your retirement, and manage your income in retirement.Book an appointment
If you need comprehensive advice about more than your super, you can choose your own financial adviser, or we can refer you to an accredited adviser on our National Advice Panel.
There are three main things to think about when looking for a financial adviser:
Some financial advisers specialise in a certain area of financial or tax planning, so the Financial Advice Association Australia suggests making sure your financial planner's skills and experience match your needs. ASIC’s Moneysmart says once you have a short list of advisers, it's important to check their history, qualifications, and employment status before approaching them about getting advice.
You may want to ask how the adviser charges for their services, and whether there are ongoing service fees for regular reviews of your plan. You can also ask for a full list of which financial institutions the adviser has a financial relationship with, or whether they earn commissions for recommending certain products. For more information about financial advice costs, visit Moneysmart.
Moneysmart recommends asking the adviser to explain anything you don't understand. If you don't feel comfortable with an adviser, it's unlikely you'll feel comfortable following their advice.
Your membership includes personal financial advice about your accounts with us, so we can help you get your super on track to live your retirement dreams.1 Our qualified financial advisers can give you advice about:
Reviewing your investment strategy
Growing your super balance
Accessing your super
Understanding your insurance options
Estimating if you're on track for retirement
Advice on transition to retirement strategies
Managing your Australian Retirement Trust Super Savings account and income in retirement
Understanding how the Age Pension works
We do our advice appointments over the phone for your convenience. Advice about your accounts is included with your membership.1
If you need help booking your advice appointment, or you're looking for general advice about how our products and services work, please call us:
8:00am-8:30pm AEDT (7:00am-7:30pm AEST) Monday to Friday
When overseas +61 7 3333 7400
Don't worry, you don't need to be a maths whiz to get the most out of your advice appointment. You just need to think about the future lifestyle you want to enjoy, so your adviser can tell you what actions could help you get there.
To do this, here's our two easy steps to prepare for your advice appointment:
Because once you have a picture of what the future looks like, it becomes possible to work towards making it happen.
To prepare your personalised financial plan, your adviser needs to know a bit about your financial situation. We'll send you a questionnaire in the email confirming your appointment.
Check our other tips for things you can do to prepare for your appointment.
It depends what type of advice you need. As an Australian Retirement Trust member, you can get financial advice about your super account as part of your membership.
We’re also happy to work with your financial adviser (if you have one) when you need comprehensive financial advice. In that case, your adviser will let you know what the fees are and the payment options.
When you get financial advice through your super fund, it's different to seeing an external financial adviser in two main ways:
There's 3 main benefits to getting advice about your super:
You'll want to check with an accountant or tax adviser before you submit your tax return, because it depends on what type of advice you get.
Some people may be able to claim a tax deduction on advice fees for investment advice if the advice helps them earn money from that investment.
If you get superannuation advice from our financial advisers here at Australian Retirement Trust, it's included in your membership. All you pay is the normal fees on your account, so there's no expense to claim a tax deduction on.
Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees of Australian Retirement Trust. Australian Retirement Trust is not responsible for the advice provided by these planners and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.
1. Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS) is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide for more information.