Limited Advice Services

Are you unsure of which First State Super investment option is appropriate for you? 

We can help identify your personal investment risk profile by asking a number of questions in relation to your expectations and attitude towards investing. This will assist in identifying the underlying First State Super investment option that is appropriate for you and your current situation.

Product Comparison and Superannuation Consolidation

Are you interested in the benefits of consolidating your superannuation accounts? 

The Limited Advice Service provides a detailed comparison between the First State Super Accumulation Account and any other super funds. By analysing fees, charges, returns and other product features the service is able to complete an in-depth and accurate fund comparison.

Insurance Gap Analysis

Do you have sufficient Life, Total and Permanent Disablement, Trauma or Income Protection insurance to take care of your lifestyle and financial obligations in the event that the unfortunate should occur?

This service analyses the current cover you hold and identifies the amount that you may be under or over insured by. If you are identified as being under insured then you are referred to a FSSFP Financial Planner to further discuss your situation.

Transition to Retirement and Account Based Pensions (Income Streams)

Do you need information regarding Transition to Retirement and Account Based Pensions? 

We can provide a detailed comparison between the First State Super Account Based Pension (also know as the Retirement Income Stream) and other pension products. By analysing fees, charges, returns and other product features the service is able to complete an in-depth and accurate fund comparison.

The Limited Advice Service can assist members in learning and understanding these products.

The service is unable to advise on the amount of funds to be invested, income requirements and tax strategies. Advice of this nature will be referred to a FSSFP Financial Planner.

Referrals to a FSSFP Financial Planner

Do you need comprehensive financial advice? 

If it is determined that your needs are beyond the Limited Advice Service scope, then you will be referred to the Comprehensive Advice Service provided by FSS Financial Planning. The fee for service costs associated with this service will be outlined to you prior to referral to the service.