Access to client information
What’s the best way to access my client’s Brighter Super account information?
Brighter Super allows third-party authority and listed adviser access to member accounts.
Third-party authority access is valid for two (2) years from the date the authority is signed.
Listed adviser access provides ongoing enduring access until revoked, with optional limited transacting authority via the Adviser Online portal.
Advisers must be registered with Brighter Super to be listed as the servicing adviser.
See also: Authority levels summary
What forms do we accept?
To become the listed adviser on your client’s account you can submit the A04 appoint or change your adviser form, including the optional authority to transact on behalf of your client.
For third-party authorities, please complete the MS01 Authority to release information form.
If you prefer to use your own form, please include the client’s name, date of birth, address and signature, as well as the servicing adviser’s name and AFSL name. Omission of any of these details will result in the authority being rejected.
How do I access my client’s information online via the Adviser Online portal?
Once listed as the servicing adviser on your client’s account, you have full view only access via Adviser Online, as well as optional limited transacting authority (depending on client permissions). For third-party authority advisers, please call the Contact Centre on 1800 444 396 and select option ‘1’ to reach the dedicated adviser line and collect client information.
What is the best way to submit my authority request?
Please send the signed authority and client ID via our secure document upload function in Adviser Online (registered advisers only).
Alternatively, you can email info@brightersuper.com.au or the email address on the form.
What happens if I move AFSL?
To inform us if you have moved AFSL you can complete the A13 Adviser change of AFS Licensee form.
For members where you are the listed adviser, you can provide instruction to move these clients with you to your new AFSL.
All third-party authorities will cease and new authorities will be required.
Adviser online portal
How do I access Brighter Super’s Adviser Online?
Adviser Online is only available to advisers who have already registered with Brighter Super and have received a Brighter Super Adviser Client ID. Once registered, you will receive an email with your details, and instructions to log in. You can then create your password. Once this has been completed, you can access Adviser Online.
How do I register as an adviser with Brighter Super?
Your AFS Licensee will need to complete the Adviser registration form (A03) with your details. Once this has been processed by Brighter Super, you will receive an email with your new Adviser numbers and instructions to register for Adviser Online. If your AFS Licensee is not already registered with Brighter Super they would need to complete the AFS Licensee registration form (A02).
What is my username?
Your username will either be your Adviser Client ID or your registered email address.
You can select your preferred username once you have logged in for the first time, under the ‘Your details’ menu.
If you have multiple accounts, you will only be able to use your email as the username on one account.
What can I access under Adviser Online?
Once logged in as an adviser, you will see a list of your linked members.
This will display:
- Member name
- Member number (Client ID)
- Account type (e.g. Accum, Pension, Optimiser)
- Account number
- Authority level – View or Transact
- VIEW – link to Member Online account
Can I transact on a member’s account via Adviser Online?
The standard adviser login will provide you with ‘View only’ access to your linked member accounts. This includes the ability to view all member correspondence and request information about the member’s account.
For the ability to perform certain transactions, your client will need to complete section 4 of the A04 appoint or change your adviser form, authorising you to transact on their behalf via Adviser Online.
What advisers can do:
- Make additional contributions
- Change current and future investment strategies
- Change pension payment amounts and frequency
- Request information about a members’ account and copies of any documents provided by us in relation to it.
- Request withdrawals
What advisers cannot do:
- Request a payment to someone other than the member
- Appoint other authorised third parties
- Change any fees or charges
- Change bank account details for withdrawals or payments
- Change member contact details.
See also: Authority levels summary
Can I create a new member account via Adviser Online?
Advisers listed on a member’s Accumulation account can open a new Brighter Super Pension account via the Adviser Online portal. Once the application is submitted, your client will receive a notification to approve the application in Member Online.
At this stage, online applications for Brighter Super Accumulation accounts are not available to advisers. However, if you select ‘Open a new member account’ from the Home menu, you will be directed to our PDF application form and Product Disclosure Statement, where you can assist your member in completing the form, as well as nominate yourself as the listed adviser and, with the appropriate Consent, facilitate advice fees.
We aim to have online accumulation applications available in future updates of Adviser Online.
How can I make an investment switch for my client?
You can now make an investment switch as an authorised third-party listed adviser on your client’s account via Adviser Online. Please see Register with Brighter Super for more information.
Members can still request an investment switch via Member Online or by completing an investment switch form.
Find out more
Can I request a withdrawal on my client’s behalf?
Advisers listed on a member’s account who have withdrawal authority can request online withdrawals to the member’s existing bank account.
For withdrawal requests to a new bank account, the PDF withdrawal form and supporting documentation is required.
How do I update my adviser contact details?
You can update your adviser contact details in Adviser Online. Select ‘Your details’ from the top menu, and you can update contact details and change your password from there.
I’ve forgotten my password – can you please help me log in?
For forgotten passwords, simply click the ‘Forgot password’ option on the Adviser Online login page to receive a security code to your nominated email or SMS. Once you have entered your security code you will be prompted to reset your password.
Advice fees
What fees does my client pay?
The total amount of fees your client will be charged or have deducted is made up of administration fees, investment fees and costs, and transaction costs.
More information about how Brighter Super fees work can be found here.
Can advice fees be deducted from a member’s account?
Yes. Registered advisers who have been appointed as the listed adviser on a member’s account are eligible to deduct personal advice fees where appropriate.
Brighter Super offers one-off, ongoing and fixed-term advice fee arrangements. Fee caps apply. Please use the Advice Fee forms at AFSL and adviser forms.
What are the caps for personal advice fees?
Members can authorise the deduction of advice fees from their account under the following conditions:
- Ongoing or fixed-term advice fees: Up to 2% of the account balance, capped at $6,600 per year (or $550 per month).
- One-off advice fees: Up to 2% of the account balance, capped at $7,000 per year.
Note: These caps apply at the individual account level.
Each fee must meet both the applicable cap and the minimum balance requirement. For example, after a one-off fee is charged, the account must retain at least $8,000 to be eligible for setting up an ongoing or fixed-term fee. The minimum balance is assessed before the advice fee is deducted.
It is possible to charge both a one-off and an ongoing/fixed-term fee to the same account. If a requested fee exceeds the 2% cap of the member’s account balance, we will deduct the maximum allowable amount within the cap.
What advice services can be paid for through a member’s Brighter Super account?
The advice services provided must have a direct, reasonable and transparent link to the member’s funds within Brighter Super, measurable by sole purpose test guidelines.
Where advice provided is not linked to a member’s funds within Brighter Super, e.g. any product that is not related to Brighter Super, this advice must be charged externally to their Brighter Super account.
Will Brighter Super ask for advice documents to determine sole purpose compliance and fee apportionment?
In line with the Advice Fees and Independence Act (2021) to ensure that superannuation fund members are not charged for financial advice they do not receive and to improve the transparency and accountability of fee deductions, Brighter Super may request written documentation in relation to payments made from the fund for advice services. From time to time, Brighter Super will request copies of advice documents for the express purpose of ensuring the Trustee's compliance relating to fees being deducted from members' accounts, as per the Terms of Trade.
When and how are advice fees paid?
Advice fees are paid monthly to your AFS Licensee, on or around the 15th of each month.
Administration/General/Product
Does Brighter Super accept digital signatures on forms?
Yes. Brighter Super accepts digital signatures on most Brighter Super and some non-Brighter Super forms.
Certain forms will require a wet (physical) signature.
Find out more
How does my client claim a tax deduction for personal contributions?
Members can log into Member Online and submit their notice of intent to claim a tax deduction digitally (NB. this is a member only feature, not available to advisers).
Alternatively, they will need to complete a Notice of intent to claim or vary a deduction for personal super contributions form and email it to membership@brightersuper.com.au.
How can a member make a binding nomination?
The quickest and easiest way to make a non-lapsing binding nomination is via Member Online.
Members need to log in to Member Online and select ‘Beneficiaries’, then:
- If they don’t currently have a nominated beneficiary, click ‘Add new beneficiary’ under ‘Binding nominations’.
- If they currently have a ‘preferred’ beneficiary nomination, click on the ‘Add new beneficiary’ tab and their preferred beneficiary will appear with an ‘Expiry’ label of ‘Non-lapsing’ (they can remove this beneficiary if no longer valid).
Members can add up to eight ‘Binding non-lapsing’ beneficiary nominations, then tick that they have read the member declaration and save.
For lapsing binding nominations, members will need to complete the M10 binding death benefit nomination form with two independent witness signatures and return via the contact details on the form. Lapsing beneficiary nominations are valid for three (3) years.
Does Brighter Super accept KiwiSaver transfers?
Yes, Brighter Super allows members to transfer their full KiwiSaver balance.
Find out more
What is the Brighter Super Retirement Reward?
The Retirement Reward is a potential reward for eligible Brighter Super members who have an Accumulation or Transition to Retirement account with us and move into a Brighter Super Pension account. Essentially, it’s a dollar reward for the member that returns a portion of the tax we’ve set aside to pay the ATO when growth assets (like shares) are sold.
Find out more
