Financial Advice

Why talk to us about advice?

Trusted advice

Neither us or the advisers we connect you with receive referral fees or any commission for recommending our products.

Range of options

We offer a broad range of financial advice options for you to access at any stage of life, starting at zero cost.

Retire on your terms

By seeking professional financial advice, you could be twice as likely to retire at a time of your choosing.¹

Compare advice options

Comprehensive advice

What you can get help with

All topics covered by One-off advice, plus:

Aged care
SMSFs
Employee share plans
Gearing
Defined benefit super

Cost

Costs for advice vary based on your needs and complexity.

How it works

Discuss your long-term financial goals with a dedicated financial adviser. They will provide tailored recommendations after a detailed review of your needs.

Find a local adviser

One-off advice

What you can get help with

Super
Pensions
Retirement
Personal investments
Insurance
Debt
Estate planning

Cost

Starting from $550.

How it works

Get a personalised financial plan on only the topics you need. Meet with a qualified financial adviser over video calls.

The CFS guidance team will direct you on how to get started over the phone.

Book an appointment

Digital advice

What you can get help with

Super investments options
Super contributions
Insurance in super

Cost

No fee charged for the first 12 months for eligible members.² Normally $88/year

How it works

If you're an existing customer without an adviser, we have a range of digital tools and calculators that could help you take full control of your super.

The CFS guidance team will be able to check your eligibility and direct you on how to get started with our digital advice provider 'Otivo'.²

Book an appointment

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Find out how advice could help you at key life moments

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Choose a card that best describes your stage of life

Rachael has the world at her feet, which option should she choose?

What is your main focus these days?

Step 2 of 3

What is your main focus these days?

Step 2 of 3

What is your main focus these days?

Step 2 of 3

Why is Australia so far away from everywhere? This isn’t going to be cheap!

What should she do?

Paying off debts can feel like a daunting task, what are some options?

Step 3 of 3

You want to start building a solid foundation. Where do you start?

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Protecting your loved ones is important, but where do you start?

Step 3 of 3

You’re maximising your retirement savings and paying down debt. What’s your next move?

Step 3 of 3

You’ve got some big decisions to make. What do you do next?

Step 3 of 3

You want to slow down at work but aren't sure about the financial impact.
What should you do?

Step 3 of 3

The rising cost of living may be tough on the younger generation. Are you in a position to help?

Step 3 of 3

You’ve got the house all to yourself. What do you do?

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You’re worried your money may not last, what do you do?

Step 3 of 3

Building your profession and balancing work and play.

At the height of your career and considering the future.

Retirement is here and you’re enjoying your golden years.

Paying down your debts, such as a credit card or personal loan.

You are focused on saving for big events like buying your first home.

Understanding what insurance you need to protect yourself and loved ones.

Maximising your retirement savings and paying down debt.

Thinking about downsizing.

Still working hard but you want to find a better work life balance.

You want to help your family members with a financial head-start.

It may be time to downsize. The family home has more space than needed.

With plenty of years left in retirement, you want to ensure your money lasts.

Think about ways to stay in control of your cashflow and reduce expenditure.

Meet your payment obligations and pay extra when you can.

Speak to our call guidance team about your financial advice options.

Purchase that big ticket item you have been saving for.

Play it safe and budget. You don’t want to overcommit.

Speak to our call guidance team about your financial advice options.

You might go it alone and try to work this out yourself.

You might have insurance in your super, but you’re not too sure.

Speak to our call guidance team about your financial advice options.

Sticking to the same strategies you have had, although your goals may have changed over time.

Minimise your spendings to maximise your retirement savings.

Speak to our call guidance team about your financial advice options.

Stay put for now. It’s hard to leave all those memories behind.

Move to a new place that better suits your current situation.

Speak to our call guidance team about your financial advice options.

Keep working hard and focus on your financial future.

Take a short break. That should be enough to feel refreshed.

Speak to our call guidance team about your financial advice options.

You hand out money when it’s needed. No question.

You want to help but you’re not sure you’ll have enough.

Speak to our call guidance team about your financial advice options.

Stay put and fill the empty rooms with more stuff that you want.

Put the house on the market and start looking for something smaller.

Speak to our call guidance team about your financial advice options.

Minimise spending to ensure you have enough for the rest of retirement.

Tracking your spending is not a priority for you.

Speak to our call guidance team about your financial advice options.

That's a good option to start, but there could be other options to consider.

Our call guidance team can provide general advice and let you know what financial advice options are available to you.

How our team can help:

General advise: Our team can provide general advice about a range of different topics.
Explore advice options: Find out about the financial advice options that might be right for you and how they can help.
Financial resources: Our team can point you in the right direction to find articles, tools and calculators that can assist you with understanding your financial situation.