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Adviser FAQs

We’re here to help. If your question is not answered below, please reach out to our team via our Adviser Enquiry Line 13 11 84 (Press 4 then 2) (8:00am - 6:30pm (AEST) Monday to Friday) or request a BDM appointment.

Last updated: 1 July 2022

 

Learn about the merger

 

You do not need to let your clients know about these changes. Your clients who were Sunsuper members were sent an email or letter in January 2022 letting them know about the merger and what it may mean for them.

These communications included a link to or copy of the Important Information booklet which provides key details about the merger.

 

We're building on a strong legacy of working with advisers to help our members, your clients, truly live well in retirement.

Our offer to partner with financial advisers is built to meet this goal and has not changed since becoming Australian Retirement Trust. We value your hard work, and are committed to providing you with timely service to simplify your work.

There are benefits and services for both you and your clients.

 

Managing my clients' account

 

If you held an active adviser registration with Sunsuper, then you will continue to be a registered adviser with the Australian Retirement Trust. Services provided to registered advisers, like Adviser Online, will remain unchanged and not include QSuper member accounts immediately after the merger.

Furthermore, instead of holding an account in the Sunsuper for life product offering, your clients will hold an account in the Australian Retirement Trust Super Savings product offering.

Your client’s previous beneficiary arrangements on their Sunsuper account/s have transferred to their Australian Retirement Trust Super Savings account/s.

Sunsuper data feeds processes will continue in Australian Retirement Trust for your clients who were former Sunsuper members.

You are not currently able to manage your QSuper clients through Australian Retirement Trust Super Savings account channels and service offerings. We remain a separate service offering, including Adviser Online, which is only for your Australian Retirement Trust Super Savings clients who were former Sunsuper members. We will continue to work towards a more connected experience; however, this is not the case immediately following the merger.

If you need access to a client account in the QSuper product offering, please go to Request a QSuper Client Summary. If you need to access forms and documents related to QSuper, go here.

We are committed to making it easy for members and their advisers to get the information they need for clients that had both a QSuper and Sunsuper account. You will not be able to view details of clients who have a QSuper account using the Australian Retirement Trust (formerly Sunsuper) Adviser Online from 28 February 2022; however, this is a consideration for future integration work between the funds and we will keep you updated through the integration planning.

If your client had both a QSuper and Sunsuper account, they would have received a communication from each fund in January 2022 about the merger and what it means to them and any impact on their accounts.

Their accounts have not been automatically consolidated on 28 February 2022. This was to make sure members did not lose any benefits they had with either fund. Your clients may speak to you about whether having two accounts is right for their circumstances.

If your client had both a Sunsuper and QSuper account, these were not automatically consolidated on 28 February 2022. This was to make sure members did not lose any benefits they had with either fund. Your clients may speak to you about whether having two accounts is right for their circumstances.

You can find the PDS and associated guides for your clients who are Australian Retirement Trust Super Savings account members at australianretirementtrust.com.au/pds.

DDO is relevant to a specific product. For more information on your DDO for Super Savings, go here. For more information on your DDO for QSuper, go here.

 

Managing and processing forms

 

From 5pm Friday 18 February 2022, you were no longer able to commence certain forms and applications through Adviser Online, including Membership applications, Income Account requests, and Income Account restarts. Forms that were of a time-critical and transactional nature remained available through Adviser Online or by calling us.

To ensure you received the service you are accustomed to, we recommended that you submit forms and applications to us via Adviser Online by the evening of 18 February 2022. You were able to submit most forms and applications to us after 18 February 2022; however, there was a risk that forms submitted after 21 February 2022 were not be processed prior to the merger and this may result in you needing to complete a new Australian Retirement Trust form.

We recommended that you submit forms and applications to us via Adviser Online by the evening of 18 February 2022. You were able to submit most forms and applications to us after 18 February 2022; however, there was a risk that forms submitted after 21 February 2022 were not able to be processed prior to the merger and this may result in you needing to complete a new Australian Retirement Trust form.

We required Spouse Contribution Split forms to be submitted by 21 Feb 2022 via Adviser Online.

Any contribution made before merger date cannot be split for requests lodged after merge date.

If you wished to claim a tax deduction on any contributions before the merger we required the Notice of Intent to Claim a Tax Deduction form to be submitted by 21 Feb 2022 via Adviser Online. However the merger has no impact on a member’s ability to claim a tax deduction on any personal contributions received before merger. Therefore a Notice of Intent to Claim a Tax Deduction can be submitted via Adviser Online at any stage, in line with ATO guidelines.

If your client had both a Sunsuper and QSuper account, and funds have been rolled over from one to the other BEFORE the merger date, then it will no longer be possible to claim a tax deduction for personal contributions made to the transferred-out fund.

There is no change to the way you submit documents and forms to Australian Retirement Trust. You can continue to follow the same process.

Please note - if you have a client with both a Super Savings account and a QSuper account, you will need to submit forms separately following existing processes.

 

Third party authorities

 

Third party authorities in Sunsuper were transferred with clients’ Sunsuper account/s to Australian Retirement Trust Super Savings. Members don’t need to do anything for these nominations to continue in Australian Retirement Trust.

We are committed to making it easy for members (and their advisers) to roll over third-party authority documents. We will keep you updated through the integration planning.

Third-party authorities in Sunsuper were transferred with clients’ Sunsuper accounts to Australian Retirement Trust Super Savings. Members won’t need to do anything for these nominations to continue in Australian Retirement Trust.

 

Contact information

 

There is no changes to your contact person. If there are any changes to this in the future, we will, of course, let you know.

Sunsuper's phone numbers, post address and physical address have not changed from 28 February 2022. Our website URL has now changed to australianretirementtrust.com.au.

 

Clients' investments

 

Your clients' Australian Retirement Trust Super Savings accounts are invested in options that are identical to their former Sunsuper accounts. The full range of options available to your clients in Australian Retirement Trust from 28 February 2022 are identical to those previously available to your clients in Sunsuper.

The Australian Retirement Trust Super Savings investment options have adopted the investment strategy of the Sunsuper investment options. We continue to work closely with research and ratings agencies, and we will keep you informed of any changes.

 

Clients' insurance

 

Sunsuper members’ insurance arrangements were transferred to Australian Retirement Trust Super Savings accounts. There are no changes to your clients' existing accounts and / or products including:

  • Insurance cover
  • Investments
  • Fees and costs
  • Account details (including any beneficiaries and authorities)
  • BPAY details
  • Contribution arrangements with their employer
  • Pension payment amount and frequency (if applicable)
  • Defined Benefit entitlements (if applicable)
  • Current insurance claims (if applicable)
  •  

 

Clients' fees and costs

 

As a registered adviser of Australian Retirement Trust you will be able to continue to request advice fees from a client who holds a Super Savings account.

If you have an arrangement to request advice fees from QSuper, this will continue outside of the Australian Retirement Trust adviser registration offering.

We are committed to making it easy for our members to access financial advice and are currently exploring the integration of our advice fee caps. We will keep you updated as we progress through the integration planning.

We are committed to making it easy for our members to access financial advice. From 28 February 2022, the Super Savings advice fee caps will only apply against your client’s Super Savings account and the QSuper advice fee caps will apply against your client's QSuper account, however this is a consideration for future integration work between the funds.

We are committed to making it easy for our members to access financial advice. From 28 February 2022, the Super Savings advice fee caps will only apply against your client’s Super Savings account and the QSuper advice fee caps will apply against your client's QSuper account, however this is a consideration for future integration work between the funds.

 

Licensees

 

Your existing AFS Licensee Agreement has continued into Australian Retirement Trust Super Savings, however we’ll need to make updates to the agreement and will contact you with further information at a later date. There is nothing you need to do right now.

 

Read more merger FAQs

Still have questions? You can explore our general merger FAQs below. Otherwise we’re here to help. Request a BDM appointment or call our Adviser Enquiry Line 13 11 84 (Press 4 then 2) (8:00am - 6:30pm (AEST) Monday to Friday).

ALL MERGER FAQS