This is general information, like how super works and what investment options we offer. It isn't specific financial advice about your personal situation.
Need help with your super account with us? Our qualified financial advisers can give you personalised advice1. We can help you make the most of your super now, plan your retirement, and manage your income when you stop working.
Book an appointmentIf you need financial advice about more than just your super with us, you have 2 choices:
Some advisers are experts in certain areas, like financial or tax planning. Make sure their skills and qualifications match what you need.
Ask about their fees. Do they charge for ongoing service? Do they get paid to recommend certain products?
You should feel comfortable with your adviser. If something's not clear, ask them to explain it again.
Check out Financial Advice Association Australia or visit Moneysmart for tips on working with a financial adviser.
As an ART member, you can access financial advice from a qualified financial adviser about your super account as part of your membership.1 Our qualified financial advisers can help you with:
Reviewing your investment strategy
Growing your super balance
Contribution strategies
Accessing your super
Understanding your insurance options
Estimating if you're on track for retirement
Advice on transition to retirement strategies
Managing your Australian Retirement Trust account and income in retirement
Understanding how the Age Pension works
We do our advice appointments over the phone for your convenience. Advice about your accounts with us is included with your membership.1
Need help booking your advice appointment, or looking for general advice about our products and services? Contact us
Don't worry, you don't need to be a maths whiz to get the most out of your advice appointment.
Here are 2 easy steps to prepare for your advice appointment:
Because once you have a picture of what the future looks like, it becomes possible to work towards making it happen.
To prepare your personalised financial plan, your adviser needs to know a bit about your financial situation. We'll send you a pre-appointment questionnaire after your appointment is confirmed.
It depends on what type of advice you need. As a member with us, you can get advice about your super account as part of your membership.1
If you have a financial adviser, we can work with them when you need comprehensive financial advice. Your adviser will let you know what the fees are and the payment options.
You can also get free financial advice from the Financial Information Service (FIS) at Centrelink (Services Australia) or the National Debt Helpline.
When you get financial advice through your super fund, it's different to seeing an external financial adviser in two main ways:
Check with an accountant or tax adviser before you submit your tax return, because it depends on what type of advice you get.
Some people may be able to claim a tax deduction on advice fees for investment advice, if the advice helps them earn money from that investment.
If you get superannuation advice from our financial advisers, it's included in your membership1. All you pay is the normal fees on your account, so there's no expense to claim a tax deduction on.
1. Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS) is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide for more information.
2. Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees of Australian Retirement Trust. Australian Retirement Trust is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.
