From general information about super, right through to financial planning advice tailored to your personal circumstances, we are here to help. You can access the level of advice that's right for you.
Vision Super Financial Planners can help you make the most of your financial situation at any stage of life, whether you're in your first job or already enjoying retirement.
Super and retirement don't have to feel overwhelming. Whether you want a quick review of your super, guidance on your retirement choices, or a closer look at your future income, our advisers can help. They'll take you through what matters, one step at a time — no need to be an expert or know the right questions to ask.
Wondering how your super is tracking? A super health check is a conversation with an adviser to help you understand how your super works, where it stands today and what it could provide in retirement.
A super health check can look at:
Your balance, contributions and investment option
How extra contributions could help
Your insurance cover
Your beneficiary nominations
They'll show how small changes now may make a big difference over time, answer your questions and point out areas worth reviewing — a simple way to take practical steps today.
This is available at no extra cost
Are you wondering if you are on track for retirement? A retirement health check allows you to speak with an adviser and receive a detailed projection to help you determine your retirement readiness.
A retirement health check can consider:
Your Vision Super superannuation account
Your partner’s (if applicable) superannuation accounts
Non-super investments (such as property and shares)
Centrelink
This is available at no extra cost
Not sure what to do with your super when you retire? A retirement options meeting lets you speak with an adviser who'll walk you through the main ways you can use your super — so you can compare them with confidence.
An adviser can help you compare:
Leaving your money in super and withdrawing it when you need to
Moving it into an account-based pension for regular income
Withdrawing it and placing it in a bank account
For each option, they'll explain how you access your money, whether it stays invested, how earnings may be taxed and how your savings could change over time. This doesn't involve a recommendation about which option to choose.
This is available at no extra cost
When you want advice that takes your own situation into account, personal advice is there to help. A Vision Super Financial Planner looks at your circumstances, explains what they mean for you and helps you understand your options — they will then provide you with personal recommendations on steps you can take now, so you can make decisions about your super and retirement with confidence.
Do you want to unlock the full potential of your Vision Super account? Get advice to make it work harder for you and help set you up for retirement and beyond.
Examples of limited advice:
Investment choice
Making contributions (salary sacrifice or lump sums)
Transition to retirement strategy
Retirement pensions
Cost: Vision Super only advice ranges from no cost to $295-$590 [2]
Do you want to make all your finances work together? More comprehensive advice looks at your broader financial situation, even non-Vision Super matters, resulting in a financial plan that works for you.
Examples of comprehensive advice:
Full retirement planning for you and your partner (if applicable)
Defined benefit closure
Estate tax minimisation
Centrelink maximisation
Non-super investing (e.g. managed funds)
Aged care
Cost: Advice fees for more comprehensive advice are a one-off cost starting from $2090 [3]
[1] Available to Vision Super members only.
[2] Provided the advice is limited to your membership in Vision Super and no more than one Statement of Advice is provided in a financial year. Multiple Statements of Advice in a financial year will usually incur advice fees. Some advice areas such as setting up a transition to retirement or pension account incur an individual cost of $295. The financial planner will disclose applicable fees to you before providing any advice.
[3] The cost of more comprehensive advice starts from $2,090 and increases depending on the nature and number of additional topics you wish to receive advice on.
The financial advice and other services accessible to members are provided by employees of the Trustee (or a related entity) that are authorised representatives of Industry Fund Services Limited (IFS) ABN 54 007 016 195 AFSL 232514. These services are provided on behalf of IFS, not the Trustee. References to a 'Vision Super Financial Planner' is a reference to a representative of IFS that is authorised to provide personal advice that takes into account your personal circumstances. Other IFS representatives (advisers) may provide members with general advice, guidance or factual information (that is, assistance that does not constitute personal advice). Before making any decision in relation to any of our products, you should read the appropriate Product Disclosure Statement and Target Market Determination (TMD) at visionsuper.com.au.