Phone 1800 444 396
Web brightersuper.com.au
Email info@brightersuper.com.au
Post GPO Box 264, Brisbane QLD 4001

Financial advice

No matter your age, income or financial goals, quality financial advice may help you increase your wealth, save on tax and secure the lifestyle you want.

How can financial advice help you?

At Brighter Super, we believe in ensuring our members have money when they need it most. Our super specialists can provide general guidance to help you understand your super, and our licensed financial advisers can provide personal advice tailored to your goals and financial situation.

Whatever stage of life you’re at, it’s never too early or too 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 adviser1, or a trusted adviser from our partner firm, can also help keep you on the path to financial success, by providing you with personal advice and support your needs over the long term.

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Super Health Check

A quick check-in on your super

A Super Health Check is quick, general guidance with a super specialist to help you understand your super. Using industry insights and the ASFA Retirement Standard, it provides a broad outline of how much you may need in retirement and simple ways to grow your super. Choose from topics that matter most to you – from contributions to investment options.2

Topics

  • Understand how your super works and how it’s invested.
  • Learn simple tips to grow your super without sacrificing your take-home pay.
  • Find out how consolidating your super into one account could help you save on fees and paperwork.
  • Check your insurance cover to make sure it meets your needs.
  • See how your balance compares to others your age using the ASFA Retirement Standard to understand how much you may need for retirement.

Who it’s for: Members - all ages.

Duration:15-minute appointment with a superannuation specialist.1

Cost: Available to members at no additional cost.

Advice type: General advice – does not take your personal circumstances into consideration.

Delivery: Phone appointment.

Outcome: General information outlining options you can consider to grow your super.

Book now: Book your Super Health Check online.

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Super advice

Personal advice about your Brighter Super account

Our qualified Brighter Super advisers can help you with your investments, contributions and insurance so you can make confident decisions about your super.1

Topics

  • Different ways to grow superannuation, such as salary sacrifice and personal contributions.
  • Understand the right level of investment risk for your goals.
  • Insurance available through Brighter Super.
  • Consolidate your super so it’s easier to manage and you’re not paying unnecessary fees.
  • Include your partner in your advice session so your whole financial picture is considered together.

Who it’s for: Members who want personal advice about their super account.

Duration: Typically 30-45 minutes, depending on your needs.

Cost: Advice about your own Brighter Super account is available at no additional cost (your administration fee covers the cost of this service).

  • A fee from $500 applies for any additional service such as if you’d like advice on consolidating your super.
  • You can also choose to include a partner who is not a Brighter Super member as part of the advice for an additional fee of $500.

Advice type: Personal advice – takes your personal circumstances into consideration.

Delivery: Phone or online appointment

Outcome: Personalised advice to help you make confident decisions about your super investments, contributions, and insurance.

Book now: Complete our online form, email us at advice@brightersuper.com.au or call us on 1800 444 396.

Retirement Health Check

Understand your retirement readiness

Get personal advice from a qualified Brighter Super adviser to understand your retirement readiness and the steps you can take next with a Retirement Health Check.

Your adviser will discuss your goals and help you understand whether your super is on track to achieve the lifestyle you want in retirement.2

Topics

  • Understand how much money you may need to retire comfortably.
  • Explore when you could afford to retire.
  • Review whether your super is on track for a comfortable retirement.
  • Learn practical ways to get your super back on track if you need to boost your retirement savings.
  • Consider your eligibility for the Age Pension and how it could support your retirement income.

Who it’s for: Members aged 50 and over who want to understand their retirement readiness.

Duration: 30-45 minutes.

Cost: No additional cost (your administration fee covers the cost of this service).

Advice type: Personal advice – takes your personal circumstances into consideration.

Delivery: Phone or online appointment

Outcome: Provides a tailored retirement projection prepared for you based on your current path to see if you are on track to meet your retirement goals.

Book now: Complete our online form, email us at advice@brightersuper.com.au or call us on 1800 444 396.

Retirement advice

Personal advice to plan your retirement with confidence

If you are looking to retire, your adviser will work with you and your partner to create a tailored plan that supports your goals and the lifestyle you want in retirement.

Topics

  • Confidently set your retirement date and get support to prepare for the transition.
  • Learn how to transition smoothly from work to retirement.
  • Understand your retirement income needs and plan for long-term adequacy.
  • Discover how tax-effective income streams can help your money last longer.
  • Compare superannuation and pension products to find what best suits your needs.
  • Maximise your super and make the most of government benefits such as the Age Pension.
  • Simplify your finances with practical debt management strategies.

Who it’s for: Members approaching retirement who want a clear plan and professional advice on how to make the most of their savings.

Duration: Around 60-90 minutes, depending on your needs.

Advice type: Personal advice tailored to your full financial circumstances.

Cost: From $990 (may be payable from your super account). Cost will depend on the type and complexity of personal advice you require.2

Delivery: Face to face, phone or online appointment.

Outcome: A personalised retirement plan with practical steps to help you retire confidently and achieve the lifestyle you want.

Book now: Complete our online form, email us at advice@brightersuper.com.au or call us on 1800 444 396.

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Brighter Super Advice Plus

Comprehensive financial advice for your whole financial picture

Delivered by one of our trusted external advice partners, this service provides personal financial advice that goes beyond your super. It can help with holistic family wealth management, wealth creation outside of super, and regular reviews to keep your plan on track.

Topics

  • Build and manage family wealth through a holistic financial strategy.
  • Grow wealth creation outside of superannuation. 
  • Schedule regular reviews of your goals and progress.
  • Adjust your plan when your circumstances or priorities change.
  • Take advantage of opportunities arising from new legislation or market conditions.

Who it’s for: Members or couples who want a complete view of their finances including investments and wealth outside of super.

Duration: Varies depending on your needs and the complexity of advice required.

Cost: Typically, from $3,750 (may be payable from your super account). The total cost will depend on the type and complexity of personal advice you require.3

Advice type: Comprehensive personal advice tailored to your overall financial situation, both inside and outside super.

Delivery: Face to face, phone or online appointment.

Outcome: A complete financial plan designed to build, protect, and grow your wealth, with regular reviews to help keep you on track.

Brighter Super members can start with a complimentary consultation to discuss their goals and receive a quote for a personalised financial plan (Statement of Advice).

Book now: Complete our online form, email us at advice@brightersuper.com.au or call us on 1800 444 396.

Ready to get advice?

Booking an appointment is easy.

  1. Complete our online form
  2. Email us at advice@brightersuper.com.au
  3. Or call us on 1800 444 396. 

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

Read more about our Advice team

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 performance-based bonus incentive.

  1. Brighter Super’s financial advisers are employees of Brighter Super and work for ESI Financial Services Pty Ltd (ESI Financial Services) (ABN 93 101 428 782), which is a wholly owned entity of Brighter Super Trustee. However, they provide financial services as Authorised Representatives of Industry Super Fund Services Limited (IFS) (ABN 54 007 016 195, AFSL 232514). IFS (and not Brighter Super) is responsible for advice provided by Brighter Super’s financial advisers.
  2. Super Health Checks are provided by Brighter Super Trustee (ABN 94 085 088 484, AFSL 230511). Super Health Checks are general advice only.
  3. Brighter Super has engaged Financial Advice Matters Group Pty Ltd ABN 11 605 631 598 Corporate Authorised Representative No 1234989 of Alliance Wealth Pty Ltd AFSL 449221 ABN 93 161 647 007 to provide comprehensive advice services to Brighter Super members. Brighter Super does not guarantee and is not responsible for any advice provided by our advice partners and their adviser networks, the quality of the advice or their obligations.

Organise advice today

The best way to learn about improving your personal situation today and in the years ahead is to talk to our friendly and experienced financial advice team.

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