Learn more about our Advice services

We’re experiencing intermittent issues with our contact forms. We apologise for any inconvenience. You can contact our Advice team by calling 1800 065 753.

By booking a 15-minute phone conversation with our team,  you’ll learn more about our Advice services and how they could benefit you.

  • We’ll start with a short conversation to assess your current situation and financial goals.
  • If personal advice is appropriate for you, we can book you an appointment with a Financial Planner.
  • The initial appointment with a Planner is obligation-free and at no extra cost.

You can learn more about our financial planning process online

Book a time today

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Our advice process

The financial planning 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
  • Estate planning
Call us today

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Frequently asked questions

  • Your first meeting with one of our financial planners is provided at no 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.

Once we implement the recommendations we’ve provided, 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
  • the economic environment

Who provides your advice?

Here at Equip Super, we provide two levels of financial advice:

  • Super advice*: guidance and advice on your Equip Super accounts, such as which investment options will suit your needs, or what types of contributions will work for you.
  • Comprehensive advice*: more complex financial advice needs, such as broader contribution strategies or detailed retirement planning, is provided by qualified financial planners who are part of Equip Financial Planning.

* Financial advice is provided by representatives of Togethr Financial Planning Pty Ltd (ABN 84 124 491 078, AFSL 455010), trading as Equip Financial Planning, a related entity of Togethr Trustees Pty Ltd.

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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.
We acknowledge all First Peoples of the beautiful lands on which we live and work, and their enduring knowledge and connections to Country. We honour the wisdom of and pay respect to Elders past and present.