Advice to suit your life

Advice to suit your life

Every life stage and event brings with it different financial challenges. Our financial advisers can help you navigate these to help keep your finances on track.

Young to mid-life

Making decisions about your finances, perhaps for the first time, can be liberating. But, it may also be daunting. Whether you’re studying, starting your first job, buying a house or starting a family, getting your finances in order early can help set you up for life. A UniSuper financial adviser can help.

Superannuation

  • Consolidating your super 
  • Investing your super 
  • Nominating beneficiaries 
  • Salary sacrificing 

Investments

Insurance

  • Establishing life, total and permanent and income protection insurance inside and outside super 
  • Purchasing trauma insurance 

Estate planning considerations1

  • Creating a will 

Income planning

Government support

  • Family Tax Benefit A and B 
  • Child Care Benefit and Child Care Rebate 
  • Parental leave payment 
  • Low Income Health Card 

Mid-life

As your career progresses and your financial situation becomes more complex with mortgages, raising a family, divorce or redundancy, you may need help managing your competing financial priorities. A UniSuper financial adviser can work with you to establish a savings plan, reduce debt and manage your cash flow to help you meet your lifestyle demands. 

Superannuation

  • Consolidating your super 
  • Investing your super 
  • Nominating beneficiaries 
  • Salary sacrificing 
  • Establishing a Spouse Account 
  • Government co-contribution 
  • Transferring overseas pension schemes 

Investments

Insurance

  • Establishing life, total and permanent and income protection insurance inside and outside super 
  • Purchasing trauma insurance 

Estate planning considerations1

  • Creating a will 
  • Establishing a testamentary trust 

Income planning

Government support

  • Family Tax Benefit A and B 
  • Child Care Benefit and Child Care Rebate 
  • Parental leave payment 
  • Low Income Health Card 

Pre-retirement

Having spent years building your career, or perhaps trying something new, watching your family grow or caring for older family members, you may be starting to think about your pre-retirement options such as winding back your work hours or starting a pension. No matter your circumstances or financial goals, a UniSuper financial adviser can help you plan the retirement you’ve worked hard to achieve.

Superannuation

  • Consolidating your super 
  • Investing your super 
  • Nominating beneficiaries 
  • Salary sacrificing 
  • Establishing a Spouse Account 
  • Government co-contribution 
  • Transferring overseas pension schemes 
  • Transition to retirement 
  • Low Income Superannuation Rebate 

Investments

Insurance

  • Establishing life, total and permanent and income protection insurance inside super 
  • Purchasing trauma insurance 

Estate planning considerations1

  • Creating a will 
  • Establishing a testamentary trust 

Income planning

Government support

  • Family Tax Benefit A and B 
  • Low Income Health Card 

Retirement

Whether you’re leaving the workforce permanently or reducing your hours, beginning the next phase of your life can be exciting but it may be worrisome for some. You might be thinking about how you’ll fund your lifestyle and whether you’ll have enough. You might also be thinking about whether you’ll have time to fit in grandchildren, hobbies and social activities. A UniSuper financial adviser can’t help you manage your time but they can help you manage your money in retirement.

Superannuation

  • Starting a pension 
  • Nominating beneficiaries 

Investments

Estate planning considerations1

  • Creating a will 
  • Establishing a testamentary trust

Income planning

  • Distributing family trust income 

Government support

  • Age Pension
  • Low Income Health Card 
  • Seniors Card 
  • Pension Bonus Scheme 

Aged care

  • Aged care strategies 

Get advice

Register for a seminar or webinar  

No matter your stage of life, it’s never too late to plan your financial future.

UniSuper Advice 1300 331 685

1Not all services are available through UniSuper Advice. A UniSuper financial adviser may refer you to an estate planning specialist.