Financial advice

How can financial advice help you?

At Brighter Super, we believe in ensuring our clients have money when they need it most. Our financial advisers can provide an honest assessment of your financial situation, help identify your goals, and customise a plan that best suits you.

Whatever stage of life you’re at, it's never too early or 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 adviser can also help keep you on the path to financial success, by providing you with the advice and support you need over the long term.

Brighter super single issue icon

Single issue advice

Summary

Brighter Super members can receive limited advice on a single issue related to super, at no additional cost.
Your administration fee already covers this service.

Topics

Different ways to grow superannuation, such as salary sacrifice and personal contributions.
Choosing an investment option.
Insurance available through superannuation.

Delivery

Phone

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Scaled advice

Summary

Personal financial advice about your retirement within Brighter Super.
Fees will vary depending on the type and complexity of personal advice you require.
You may be able to deduct a portion of your fees from your Brighter Super account.

Topics

Retirement (adequacy and commencing a Brighter Super account-based pension).
Transition to retirement (TTR).
Determining Centrelink entitlements.

Delivery

Phone
Video

Comprehensive advice

Summary

This service takes a complete view of your financial situation to tailor advice to suit your individual needs.
Fees will vary depending on the type and complexity of personal advice you require.
You may be able to deduct fees from your Brighter Super account.

Topics

Holistic wealth management and retirement planning.
Tax effective income streams.
Superannuation product comparisons.
How to maximise your super, as well as government benefits such as the Age Pension.
Wealth creation outside of superannuation.

Delivery

Face-to-face
Video
Phone

Review advice

Summary

Advice to keep you on track to achieve your goals.
Fees will vary depending on the type and complexity of personal advice you require.
You may be able to deduct fees from your Brighter Super account.

Topics

Review your goals and objectives.
Adjust your plan when your circumstances change.
Take advantage of legislative changes.

Delivery

Face-to-face
Video
Phone

For our comprehensive advice, as a first step we offer Brighter Super members an initial complementary, obligation free consultation. We can discuss the type of financial advice that would suit your personal situation and financial goals.

During this initial consultation, we will provide a quote for the preparation of a personalised financial plan – also known as a Statement of Advice. You can then decide whether to proceed or not.

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 bonus incentive which is based on a number of performance-based measures.

To book an advice appointment, complete our online form, email us on advice@brightersuper.com.au
or call us on 1800 444 396.

Benefits of financial advice from Brighter Super

An approach to suit you

Depending on your needs and location, you can access our financial advice service over the phone, secure video call, or in-person.

It’s for everyone

Anyone can benefit from financial advice, at any stage in life and any size of account balance.

Payment options

For comprehensive advice, in many cases we can take the payment for your advice fee out of your super, meaning you’ll have no out-of-pocket expenses.

Individualised service

Our trusted team of advisers take the time to listen to your needs, and to develop a plan that works towards achieving your financial goals.

Annual Report

The Brighter Super Annual Report 2021/22 can be found here: Annual Reports

Minutes

The 2022 Annual Members’ Meeting minutes are available for download here:
Annual Members' Meeting 2022 Minutes

LGIAsuper Trustee (ABN 94 085 088 484 AFS Licence No. 230511) as trustee for LGIAsuper (ABN 23 053 121 564), trading as Brighter Super. Brighter Super may refer to the Trustee or LGIAsuper as the context requires.

Plan, grow and protect

Talking to our financial advisers can help you to:

explore opportunities to grow your super, maximising your retirement savings
create a plan to achieve a more comfortable lifestyle in retirement
protect you and your family in the event of death, illness or disability.

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

To book an advice appointment, complete our online form, email us on advice@brightersuper.com.au
or call us on 1800 444 396.

* Brighter Super Financial Advisers are Authorised Representatives of Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL No 232514. In limited circumstances, a Financial Adviser may also be an Authorised Representative of ESI Financial Services Pty Ltd (ESI Financial Services) ABN 93 101 428 782, AFSL No 224952. ESI Financial Services is a wholly owned entity of LGIAsuper Trustee (ABN 94 085 088 484) as trustee for LGIAsuper (ABN 23 053 121 564) trading as Brighter Super. ESI Financial Services provides financial services to Brighter Super members and employers under a service agreement with Brighter Super. ESI Financial Services has engaged IFS to facilitate the provision of financial advice to Brighter Super members. ESI Financial Services has also engaged Link Advice Pty Limited ABN 36 105 811 336, AFSL No 258145 to provide Brighter Super members with access to limited personal advice over the phone in respect to Brighter Super products.