AvSuper Advice – the finer details
What advice can I get?
- Should I be making additional contributions to save for my retirement and how much should I be contributing?
- Would I be better contributing via salary sacrifice or post-tax?
- Which investment choice is right for me?
- Do I have enough insurance through super?
- How do I access my super in retirement as an income stream (pension)?
- How will an Income Stream impact on any Centrelink entitlements?
- When is the best time for me to retire, financially?
Read some other common questions answered by our advice consultants for ideas on how we can help you. Note that our super advice is limited to your AvSuper membership and will not compare AvSuper with other providers.
How will I get the advice?
Who gives me the advice?
Note: AvSuper consultants do not receive any commissions so you can be confident that the advice takes into account YOUR best interests.
What about if I’m thinking of retiring?
Broadly, when you retire (completely or by reducing working hours in some circumstances) you can leave your money in super, withdraw it all or access an income stream – or a combination of these. With tax and Centrelink implications, this can be a complex decision.
An AvSuper Advice Consultant can help you understand your options and provide you with advice that best suits your retirement needs. We can help you with strategic investment advice, decisions about selling real estate to fund super, make a recontribution strategy, what type of beneficiary to nominate and other questions.
I'm not sure if I need complex advice so how much will advice cost?
I don't live in Canberra. Does that mean I can't use your services?
Absolutely not! We can and do give advice to members across Australia, and would love to offer our expertise to you as well. While our office is in Canberra, we offer appointments via phone (or similar technology such as Skype) and travel to other cities – we aim to be in the major cities and regional centres regularly for personal appointments.
Do I have to be an AvSuper member to get AvSuper Advice?
Can I request a certain adviser?
How do I pay for any advice?
However, if you require more complex advice, we will discuss any fees with you before we give any advice. We will also discuss with you your payment options, such as deducting the fee from your super account or paying us directly.