The Best Place to Get Superannuation Advice in Australia

June 8, 2022
June 8, 2022
Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]General advice provides facts and information that help you understand financial products better. General advice doesn’t provide personal recommendations or financial plans.  You can find general advice on superannuation through recommendations and online searches. Recommendations include family, friend, and co-worker recommendations and superannuation tips. Online searches on Moneysmart —a website created by the Australian Securities and Investment Commission (ASIC) — are helpful as well.    

Personal Financial Advice

Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]General advice provides facts and information that help you understand financial products better. General advice doesn’t provide personal recommendations or financial plans.  You can find general advice on superannuation through recommendations and online searches. Recommendations include family, friend, and co-worker recommendations and superannuation tips. Online searches on Moneysmart —a website created by the Australian Securities and Investment Commission (ASIC) — are helpful as well.    

Personal Financial Advice

Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]To see if you need the help of a financial adviser, it’s important to define what kind of advice you’re seeking. There are four main categories of advice: general, personal, tax, and SMSF.  For your superannuation, general advice and personal advice are most important. 

General Financial Advice

General advice provides facts and information that help you understand financial products better. General advice doesn’t provide personal recommendations or financial plans.  You can find general advice on superannuation through recommendations and online searches. Recommendations include family, friend, and co-worker recommendations and superannuation tips. Online searches on Moneysmart —a website created by the Australian Securities and Investment Commission (ASIC) — are helpful as well.    

Personal Financial Advice

Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]To see if you need the help of a financial adviser, it’s important to define what kind of advice you’re seeking. There are four main categories of advice: general, personal, tax, and SMSF.  For your superannuation, general advice and personal advice are most important. 

General Financial Advice

General advice provides facts and information that help you understand financial products better. General advice doesn’t provide personal recommendations or financial plans.  You can find general advice on superannuation through recommendations and online searches. Recommendations include family, friend, and co-worker recommendations and superannuation tips. Online searches on Moneysmart —a website created by the Australian Securities and Investment Commission (ASIC) — are helpful as well.    

Personal Financial Advice

Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]All working Australians need to make sure they’re staying on top of their superannuation — especially those in their 30s, 40s, and 50s. Otherwise, they might not have enough to retire on.  The best way to do that is by seeking out personal financial advice. Read on to learn how. 

Superannuation Advice Australia: Choosing the Right Kind of Advice

To see if you need the help of a financial adviser, it’s important to define what kind of advice you’re seeking. There are four main categories of advice: general, personal, tax, and SMSF.  For your superannuation, general advice and personal advice are most important. 

General Financial Advice

General advice provides facts and information that help you understand financial products better. General advice doesn’t provide personal recommendations or financial plans.  You can find general advice on superannuation through recommendations and online searches. Recommendations include family, friend, and co-worker recommendations and superannuation tips. Online searches on Moneysmart —a website created by the Australian Securities and Investment Commission (ASIC) — are helpful as well.    

Personal Financial Advice

Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Are you feeling overwhelmed trying to find the best superannuation advice Australia has to offer? All working Australians need to make sure they’re staying on top of their superannuation — especially those in their 30s, 40s, and 50s. Otherwise, they might not have enough to retire on.  The best way to do that is by seeking out personal financial advice. Read on to learn how. 

Superannuation Advice Australia: Choosing the Right Kind of Advice

To see if you need the help of a financial adviser, it’s important to define what kind of advice you’re seeking. There are four main categories of advice: general, personal, tax, and SMSF.  For your superannuation, general advice and personal advice are most important. 

General Financial Advice

General advice provides facts and information that help you understand financial products better. General advice doesn’t provide personal recommendations or financial plans.  You can find general advice on superannuation through recommendations and online searches. Recommendations include family, friend, and co-worker recommendations and superannuation tips. Online searches on Moneysmart —a website created by the Australian Securities and Investment Commission (ASIC) — are helpful as well.    

Personal Financial Advice

Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]
Are you feeling overwhelmed trying to find the best superannuation advice Australia has to offer? All working Australians need to make sure they’re staying on top of their superannuation — especially those in their 30s, 40s, and 50s. Otherwise, they might not have enough to retire on.  The best way to do that is by seeking out personal financial advice. Read on to learn how. 

Superannuation Advice Australia: Choosing the Right Kind of Advice

To see if you need the help of a financial adviser, it’s important to define what kind of advice you’re seeking. There are four main categories of advice: general, personal, tax, and SMSF.  For your superannuation, general advice and personal advice are most important. 

General Financial Advice

General advice provides facts and information that help you understand financial products better. General advice doesn’t provide personal recommendations or financial plans.  You can find general advice on superannuation through recommendations and online searches. Recommendations include family, friend, and co-worker recommendations and superannuation tips. Online searches on Moneysmart —a website created by the Australian Securities and Investment Commission (ASIC) — are helpful as well.    

Personal Financial Advice

Personal financial advice does provide specific financial recommendations for you. These are based on your personal financial needs and goals. This personal advice can be further broken into three types: limited, full, and ongoing.  Limited advice is for a specific issue. It doesn’t take into account your entire financial situation.  Full advice takes into account your entire financial situation. Then, it gives you recommendations on budgeting, investing, retirement, assets, and more. Ongoing advice includes regular updates on your investments and financial plans. If you want personal superannuation advice in Australia, it’s best to visit a financial adviser.  

Superannuation Tips: How to Find the Right Financial Adviser

Financial Advisers are licenced professionals. They work at three main places: super funds themselves, external advisory firms, and general advisory firms.  Most super funds have licenced financial advisers on-site that can provide you with personal advice. Also, super funds often partner with external advisory firms that have the same values. They can provide personal advice as well. You may also visit local firms, national networks, and some banks and financial institutions for advice. Regardless of where you go to find a financial adviser, it’s important to verify and question advisers to find the right one for you. 

Ensure Your Financial Adviser Is Licenced

If you give professional superannuation advice, Australia requires you to have the Australian Financial Services Licence. Ensuring your potential financial adviser does so is an important first step.  ASIC regulates these licences to make sure an adviser has the right mix of education, experience, and ethics. ASIC keeps an online register where you can find licenced advisers.   By typing in a name, Australian Business Number, or postcode, you can find an adviser’s:
  • Employment history, qualifications, and experience 
  • Products they advise on
  • ASIC disciplinary actions filed against them
  • Professional memberships 
  • AFS licence holder name and number
If you can’t find an adviser on the register, then it’s a good indication that they don’t have an AFS licence. Without that licence, you have no legal protection if something goes wrong. 

Read Their Financial Services Guide

After determining a few licenced advisors who can help, the next step is to read through their financial services guide (FSG). This document tells you everything from the services they offer to the amounts they charge to the product providers they’re tied to. Read through a few of them to compare and contrast.  From the information above, you can develop a list of questions to ask upon meeting your advisers. 

Visit Mulitple Financial Advisors 

After narrowing down your list of relevant advisors, the next step is to visit a few of them. During the initial consultation (which is usually free), you can ask the adviser a few questions to see if they’re right for you. Alongside questions about their qualifications and experience, you’ll want to ask about fees. Generally speaking, there are three kinds of fees: 
  • statement of advice (SOA) fees paid after receiving a recommendation
  • implementation fees paid after going forward with the advice
  • ongoing services fees for updates
With that in mind, it’s important to ask your financial adviser if they charge on a fee-for-service basis or if they take a percentage of the amount you invest. Also, can they provide a rough estimate of the total cost so you can compare it with other advisers? Finding the best superannuation advice doesn’t mean finding the cheapest advice. Although fees are important, it’s also important to ask about the advice itself. What kind of advice will they provide, how often will they provide it, and how will they contact you about it?  During the consultation, it’s important to pay attention to how the financial adviser communicates. Are they someone you trust and feel comfortable with, or are they evasive and dismissive?  Once you take into account the answers you received and the experiences you had, then you can finally choose the best financial adviser for you.

Find the Best Superannuation Advice in Australia

Finding the best superannuation advice Australia has to offer takes a mix of asking peers, searching online, and talking to certified financial advisers. The last one is particularly important. For personal financial advice that you’ll feel comfortable following in your 30s, 40s, and 50s, it’s best to defer to the professionals.  Since 2006, Next Generation Advice has been providing clients with superannuation advice that reduces fees, minimises risk, and increases returns. Contact us today to see how we can help. 
Can You Financially Prepare for a Recession?

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6 Essential Tips on How to Build Wealth in Your 30s

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6 Benefits of Getting a Financial Assessment

6 Benefits of Getting a Financial Assessment

Are you looking to grow your wealth and become financially secure? When it comes to managing your finances, things can feel a little overwhelming. Many people don't bother, and that's a real shame. Getting a financial assessment done is the first step in knowing where...

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How to Create A Personal Financial Plan

How to Create A Personal Financial Plan

Millions of Australians retire each year, many of whom have strong financial blankets underneath them as they leave the workforce. Knowing how to conduct personal financial planning is a crucial part of this process. But how do you create personal financial freedom?...

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Superannuation: Mistakes Your Employer Could Be Making

Superannuation: Mistakes Your Employer Could Be Making

Superannuations are super for good reason! Australians have more than $3.1 trillion in their super accounts. Your super account can create a comfortable retirement. But you can't just put money in your account and forget about it. You need to work with your employer...

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Superannuation Advice for Beginners

Superannuation Advice for Beginners

In Australia, there are 24.4 million superannuation accounts but 38% of Australians don't know how superannuation works. With a total of 84 fund providers, it can be difficult to understand super accounts. Simply learning the basics of superannuation can help you...

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Free Superannuation Advice for 2024

Free Superannuation Advice for 2024

COVID-19 has given everyone a bit of a shake-up when it comes to financial planning. It's made a lot of people reconsider their options and what they want from their life. This is supported by the required financial planning needed to achieve their retirement dreams....

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How to Build Wealth in Your 40s: The Ultimate Guide

How to Build Wealth in Your 40s: The Ultimate Guide

Are you in Australia and are looking to build wealth in your 40s? You can implement plenty of superannuation advice to help you financially during this crucial year of your life. For most people, turning 40 is a critical inflection point personally and professionally....

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Where Is the Best Place to Get Superannuation Advice?

Where Is the Best Place to Get Superannuation Advice?

An Australian couple will need an estimated $63,799 a year for a comfortable retirement. If you're single, you'll need at least $45,239. Is your superannuation giving you the results you need for a comfortable retirement? Would you like to be getting better returns?...

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The Best Financial Advice for Financial Stability

The Best Financial Advice for Financial Stability

Are you looking to achieve financial stability? Many people seek the best financial advice so that they can get their finances in order and achieve stability. Financial planning is not always easy, particularly in turbulent times like these, but there are a few pieces...

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