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Comprehensive advice explained

The financial advice process is all about you – your situation, your needs, your objectives.  More broadly, it’s an opportunity to think about how you want to live your life, both now and in the future, and how your finances might be able to support that.

We can provide detailed support and planning services across a range of areas including: 

  • Superannuation
  • Retirement planning
  • Redundancy planning
  • Tax-effective financial strategies
  • Aged care
  • Centrelink entitlements
  • Insurance needs
  • Estate planning 

Call our team today, or schedule a time via the form below.

Call 1800 065 753
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Equipping you with great advice

Whether you’re new to the workforce or already planning your retirement, a qualified financial adviser can help you get more from your super and prepare for a future you’ll love. Equip Super Financial Planners are super experts, but they can also provide comprehensive advice on all your financial needs. 

Personalised financial plans

Comprehensive financial plans tailored to your financial situation and your needs.

A range of financial products

Advice and recommendations on an extensive range of financial products from leading financial institutions.

A commission-free zone

Advisers don’t receive any commissions or incentives for the advice they provide or the products they recommend.

How the process works

  • Your first meeting with one of our financial planners is provided at no extra cost. This is an opportunity for us to assess your situation, understand what you’re  trying to achieve, and determine how we can help. Please note that no financial advice is provided in this initial meeting.
  • During this meeting we’ll explain the cost of any advice we’ll provide you. The exact cost of the advice provided will be determined by the nature and complexity of the advice itself. We’ll ensure that you understand the costs up front – and agree to those costs – before we proceed to the next steps.
  • This discussion generally takes around 60 to 90 minutes, depending on the detail of your discussion.

  • After this initial consultation, providing we have your agreement to the costs before we proceed, we’ll begin work on your recommendations. We’ll gather information on your personal circumstances, your financial position and your goals and objectives. We’ll then determine the financial strategies and products that are appropriate for your circumstances, and develop a series of recommendations.
  • At this stage, there may be a need to meet again to clarify or gather any additional information before we prepare your statement of advice.
  • Our final recommendations will be provided to you in writing as a statement of advice.

  • We’ll meet with you again to go through your statement of advice in detail, explaining our recommendations and answering any questions you have.
  • We’ll outline how we can work with you to implement these recommendations on your behalf.
  • This meeting can either be in person or online via Microsoft Teams.

Once you’re ready to go ahead, your financial plan will be put into action. Where appropriate, your financial planner may work with specialist professionals on your behalf, such as an accountant or solicitor.

If you accept the recommendations and we implement them for you, it can be a good idea to also arrange additional reviews with your financial planner from time to time to help ensure your plan is on track and continuing to deliver what you need for your retirement.

This can form an important part of the overall comprehensive advice process, as your needs and objectives can change over time.

For example, through the review process we could provide further advice on:

  • your changing needs and objectives
  • your financial products and strategies
  • social security issues
  • your income and debt levels
  • your family situation and health

For comprehensive personal advice

If you’re ready to arrange a personal advice appointment with one of our expert financial advisers, first we’ll start with a short conversation to assess your current situation and financial goals.

  • Use this form to book in for a chat at a time that works for you, and we’ll be in touch.

  • We’ll talk about what you need, and if personal advice is appropriate for you, we’ll book an appointment with a financial adviser.

  • This initial chat, as well as your first appointment with a financial planner, are both obligation-free and at no extra cost.

You can learn more about our financial planning process online.

Book a time today

Let's start with your contact details

Additional details

Who provides the advice?

Our financial planners are located across Australia, ready to help you plan for a secure and financial future.

Meet the team
Preparing for your first appointment

Everything you need to get ready for your comprehensive advice appointment.

Let's begin

What does it cost

Your initial consultation with a financial planner is provided at no cost. This is where we’ll make a preliminary assessment of your needs and develop a picture of the extent of the advice you’ll need.

The costs associated with comprehensive advice can vary widely from person to person, depending on the complexity of your situation and the advice you need. As a general guide, fees typically range from $2,000 for more basic requirements to around $5,000 or more for complex plans. 

Your financial planner will take you through any fees that would apply to the next stages of the planning process as part of your initial consultation. You’re under no obligation to go ahead at this stage, so it’s up to you as to whether you’d like to proceed with receiving advice.

Good to know 

You may be able to pay for comprehensive advice relating to your super directly from your super account. Talk to our team to find out if this applies for the type of advice you may be receiving. Please note that advice relating to financial products or investments outside of super can’t be paid from your super account. 

Fees and costs

“I have spent many years with Equip Super. They are one of the best growth funds around and are smart and care for their members’ money.”

Jeff, Equip Super member. 

Financial advice and support services

Life’s a little different for everyone. That’s why we provide you with a wide range of support and advice options, so you can access the support you need, exactly when you need it

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Super advice
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Super ratings award Super ratings: Platinum MyChoice Super award winner Super Review award: 20 year platinum performance Super ratings: Platinum MySuper winner Super ratings: 10 year platinum performance Super ratings: Platinum Pension award winner Super ratings: 15 year platinum performance Chant West award: Super winner Chant West award: Pension winner Money magazine awards: Best value insurance in super Money magazine awards: Best value death & TPD insurance in Super - Women winner Money magazine awards: Best value death & TPD insurance in Super - Men winner

 

‡The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 (SuperRatings) a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445. Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings use proprietary criteria to determine awards and ratings and may receive a fee for the use of its ratings and awards. Visit superratings.com.au for ratings information. © 2024 SuperRatings. All rights reserved.

© 2023—2025 Togethr Trustees Pty Ltd ABN 64 006 964 049 AFSL 246383 — *Past performance is not an indication of future performance.
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