Get a financial check-up

You’ve been to the dentist for your six-monthly visit, serviced your car and seen your doctor for your annual medical. But have considered getting a financial check-up?

Change is inevitable, and as your life changes, so do your income needs and short, medium and long-term goals. This is why regular financial check-ups are a vital part of your retirement plan.

Change can be from external sources—such as Government changes to super, investment market conditions and Centrelink changes, to name a few—or from internal (personal) sources—such as wanting to return to work, changes to health, receiving an inheritance, new additions to the family, more travel plans than initially catered for, and so on.

- Jade Khao, a financial adviser with UniSuper Advice

Read about how major life events can affect your finances, and what you can do at those critical times.

UniSuper Advice review service

As well as its comprehensive financial advice service, UniSuper Advice offers a review service to provide you with support from a dedicated adviser. If you choose to have a review, during your appointment your adviser will check how your finances are travelling and whether your current arrangements are continuing to meet your needs and goals. Your adviser will also look at how the latest product, industry and legislative changes may affect you.*

To find out more, get in touch with UniSuper Advice today.

* Fees are payable for UniSuper Advice’s review service. Please see the Financial Services Guide - Personal Advice for details.

Could you benefit from seeing a UniSuper financial adviser? Here are some questions to consider:

  • Do you worry about your finances?
    A UniSuper adviser can map out a financial blueprint that gives you a clear picture of your situation, helps you feel in control of your finances, and may reduce your money worries.
  • Are you receiving all of the Centrelink benefits you are entitled to?
    Drawing a pension from your super savings won’t necessarily stop you from getting an Age Pension, even in part. Knowing the Centrelink rules can help ensure you’re receiving what you’re eligible for.
  • Do you know the level of risk associated with the investment option(s) your Flexi Pension is invested in? Are you comfortable with this level of risk?
    While there is some level of unpredictability in all investments, some involve higher risk than others. Your UniSuper adviser can help you choose the most suitable investment option(s) for you.
  • Are you aware of changes to Government legislation that may affect you?
    Superannuation legislation changes often, so it’s important to have up-to-date knowledge of the rules affecting you.
  • Have you considered working part-time?
    If so, an adviser may be able to help you take advantage of Government incentives that encourage individuals to continue participating in the workforce past Age Pension age.
  • Do you have an up-to-date Will?
    Getting advice about estate planning can help ensure that your assets will be divided according to your wishes when you’re gone. We can refer you to a trusted legal services provider who can assist you with preparing your Will and provide legal guidance on the ins and outs of estate planning.
  • Do you receive income from different sources?
    UniSuper Advice can help you to manage your multiple incomes and maximise your income through tax-effective strategies.