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Make your personal contributions by 25 June 2024 to make sure they’re counted towards the 2023/24 financial year.

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A qualified professional can provide specialist guidance and confidence for some of your most important decisions. Navigating aged care and estate planning can be particularly complex.

Get one-on-one professional guidance and a tailored approach to suit you and your family’s needs.

Our team of qualified financial experts and estate planning specialist lawyers are available to help plan for your future.

  • Understand how insurance works
  • Understand how aged works
  • Estate planning
  • Assess existing policies
  • Plan care needs
  • Wills, power of attorney and medical care directives
  • Work out how much cover you need
  • Optimise Centrelink entitlements
  • Leave a legacy

What to expect

Before your advice appointment

Our qualified advisers and lawyers will help tailor your plan to your life and needs. We start by understanding your current situation to explore what's possible in the future.

To prepare for your appointment you’ll need to know details about your overall financial picture. This includes a few things like:

  • Assets you own including property and investments
  • Any insurances you already have
  • Any debts you have
  • Your current living expenses


A good place to start is your myGov account where you'll find a lot of your financial information in the one place.

When you book your appointment we’ll follow up with a list of items to prepare in advance.

Preparing for a great first appointment

Building the right plan for you is important because it helps you make informed choices between your obligations and goals and gives you the flexibility to adjust course as new situations arise.

Things to think about before your appointment:

  • What are the things you want to achieve?
  • The conversation will be focused on getting to know you and what you need. Your adviser will explain your options, and how they can help.
  • What are the things that worry you?
  • What questions do you have for your specialist?
  • What would a great appointment look like?


Your first meeting will usually run for around an hour. We’ll also prepare a Letter of Engagement, based on what we’ve discussed with you, and prepare a fee schedule for you to review and agree.
 

Preparing your financial plan

Your planner will analyse different scenarios and strategies. They'll also assess how they meet your needs. They’ll prepare your financial plan, detailing and explaining their recommendations. They will then send it to you to review. If you like, your planner can set up time to take you through your financial plan. They’ll explain their recommendations and your next steps.

Once we’ve discussed and agreed next steps, we’ll support you to put your plans into action.

When life changes

If anything pops up in life, or you want to make changes, we’re a phone call away to help you navigate it all.
Your first meeting will usually run for around an hour. We’ll also prepare a Letter of Engagement, based on what we’ve discussed with you, and prepare a fee schedule for you to review and agree.

Preparing your legal documents

  1. Our first meeting
    At this meeting, we will confirm:
    1. your personal, family and financial situation
    2. review any estate planning documents you may already have
    3. discuss your wishes.

We will  explain the documents we think are appropriate and our fees. The meeting usually takes an hour and we can talk via video link, face-to-face or over the phone. At the end of the meeting, you can decide if you would like to meet again to discuss any special requirements you might have.

  1. Preparing your documents
    If you wish, we will prepare your essential estate planning documents and send them to you for review and approval. We will then make any minor amendments that you request witnessing instructions.
  2. Signing your documents
    You can sign your documents and arrange to have them witnessed, or we can witness you sign them.

If needed, we can arrange a face-to-face meeting to assess your capacity to sign documents and witness them. We can also arrange to assess the capacity of anyone you choose to make these decisions while you are alive.

If you arrange signing and witnessing, we can review your documents to make sure they have been signed and witnessed correctly

Meet Michelle Dixon, Estate Planning Lawyer

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  • Bachelor of Commerce
  • Bachelor of Laws
  • Diploma of Legal Practice
  • Master of Applied Law (Wills and Estates)
  • Certificate IV in Leadership & Management

“It’s a real honour to help our members prepare for the future. I get a lot of satisfaction and joy when I see, hear and feel the sense of relief and comfort our members experience after they sign their legal documents and know that everything’s in place.”

What it costs

For insurance appointments there fee is a flat fee of $660. This includes GST.
We use the insurance commission payment to subsidise our advice fee. The $660 fee is rebated when we receive an insurance commission. You can read more about this in the Financial Services Guide

For aged care appointments the fees are based on your needs and the complexity of the advice required. Fees range from $1,650 – $6,000. This includes GST. You can read more about this in the Financial Services Guide

For estate planning appointments the fees are based on your needs and the complexity of the advice required. Generally, fees range from $880 to $3250. This includes GST. You can read more about this in our guide to estate planning

Book an appointment with one of our friendly team. 

Need help planning for your future?

We offer tailored advice about your whole financial situation, not just your super. Book an appointment

What to look for in financial planners

The most important thing to look for in a financial planner is someone who will take the time to get to know you.

They should ask you what you want to achieve and what you care about. A great planner explains concepts and your options in plain English. They also encourage you to ask questions. When they provide you with a financial plan, they'll be available to talk to you about their recommendations. They should answer any questions you have.

Before meeting with a financial planner, you should check their qualifications and history.

All our financial planners are qualified and authorised to provide financial advice.

You can check a planner’s qualifications and history on the ASIC financial adviser register

Online DIY advice

Want to get started on your own? We have what you need to help you DIY.

Explore and learn

Not everyone needs to speak to a financial professional. If you're keen to DIY, start here for some guidance to help you feel confident in your financial decisions.

Calculators and tools to help you

An easy way to work out how you can turn life goals into money goals is by using tools to help you get started.

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Join our experts as they break down super and finances into easy-to-understand topics.

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