Advice Options

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data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 "> <div class="title aem-GridColumn aem-GridColumn--default--4"> <div id="title-1bb56e4533" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Digital Advice</h3> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-6487f6246e" class="cmp-text"> <p>Otivo’s guided digital advice helps you understand, manage and take full control of your super. Enjoy access to digital advice topics with an on-demand tool, wherever you are.</p> </div> </div> <div class="iconrow aem-GridColumn aem-GridColumn--default--4"> <div> <div class="IconRow" data-cmp-is="iconRow"> <div class="IconRow__Container"> <div class="IconRow__Icon"> <img src="/content/dam/cfs-winged/images/pictograms/icons/h2-icon-house-blue.png" alt="What it covers"/> </div> <div class="IconRow__Body"> <h4>What it covers</h4> <div><p>Investment options, contributions & insurance</p> </div> </div> </div> </div> <div class="IconRow" data-cmp-is="iconRow"> <div class="IconRow__Container"> <div class="IconRow__Icon"> <img src="/content/dam/cfs-winged/images/pictograms/icons/h2-icon-coin-blue.png" alt="Cost"/> </div> <div class="IconRow__Body"> <h4>Cost</h4> <div><p>$88/annually deducted from your super account<sup>1</sup></p> <p> </p> <p> </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="container" id="container-bed8fde1ed" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 "> <div class="title aem-GridColumn aem-GridColumn--default--4"> <div id="title-cfa0494ea7" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">One-off Advice</h3> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-0b50b13803" class="cmp-text"> <p>Create a personalised financial plan with an adviser covering your unique goals and concerns. Enjoy a complimentary initial conversation with no commitment required.</p> </div> </div> <div class="iconrow aem-GridColumn aem-GridColumn--default--4"> <div> <div class="IconRow" data-cmp-is="iconRow"> <div class="IconRow__Container"> <div class="IconRow__Icon"> <img src="/content/dam/cfs-winged/images/pictograms/icons/h2-icon-house-blue.png" alt="What it covers"/> </div> <div class="IconRow__Body"> <h4>What it covers</h4> <div><p>Personal investments, debt, superannuation, pensions, insurance, and estate planning</p> </div> </div> </div> </div> <div class="IconRow" data-cmp-is="iconRow"> <div class="IconRow__Container"> <div class="IconRow__Icon"> <img src="/content/dam/cfs-winged/images/pictograms/icons/h2-icon-coin-blue.png" alt="Cost"/> </div> <div class="IconRow__Body"> <h4>Cost</h4> <div><p>Advice starting from $500<sup>1</sup></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="container" id="container-7ed91be355" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 "> <div class="title aem-GridColumn aem-GridColumn--default--4"> <div id="title-9c3b46386a" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Comprehensive Advice</h3> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-08dc2a4e38" class="cmp-text"> <p>Through our <a href="https://cfs.findadviser.com.au/home.html">find an adviser</a> tool, we can connect you to expert advice with a dedicated financial adviser. They'll help you navigate your financial journey and set the path to your long-term financial goals. </p> </div> </div> <div class="iconrow aem-GridColumn aem-GridColumn--default--4"> <div> <div class="IconRow" data-cmp-is="iconRow"> <div class="IconRow__Container"> <div class="IconRow__Icon"> <img src="/content/dam/cfs-winged/images/pictograms/icons/h2-icon-house-blue.png" alt="What it covers"/> </div> <div class="IconRow__Body"> <h4>What it covers</h4> <div><p>All topics covered by other advice options as well as aged care, self-managed super funds (SMSF), employee share plans, gearing and defined benefit superannuation.</p> </div> </div> </div> </div> <div class="IconRow" data-cmp-is="iconRow"> <div class="IconRow__Container"> <div class="IconRow__Icon"> <img src="/content/dam/cfs-winged/images/pictograms/icons/h2-icon-coin-blue.png" alt="Cost"/> </div> <div class="IconRow__Body"> <h4>Cost</h4> <div><p>Dependent on your situation</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-6933f6d294" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-dab5174932" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="imageandtext teaser aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--1"><div class="ImageAndText ImageAndText--position-image_right" id="imageandtext-df0007143c"> <div class="ImageAndText__Container wrapper"> <figure class="ImageAndText__Image"> <img src="/content/dam/cfs-winged/images/member/market-updates/capital-gains-tax-mobile.jpg" alt="computer mouse"/> </figure> <div class="ImageAndText__Content"> <div class="ImageAndText__ContentInner rte"> <h4 class="h4"></h4> <h2 class="h2">Our guidance consultants can help you find the financial advice that’s right for you. </h2> <div class="p2"><p>Book an appointment with our team of consultants and take control of your financial future at no extra cost. 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">✅</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-middle "> <div role="rowheader" style=" --column: 0; --row: 2; " class=" Table__TableRowHeader Table__TableCell Table__TableCell--columnAlignmentOverride-left "> Meet with an adviser </div> <div role="cell" style=" --column: 1; --row: 2; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Digital Advice </div> <div class="h6 Table__TableRowHeader"> Meet with an adviser </div> <p style=" text-align: left; ">❌</p> </div> <div role="cell" style=" --column: 2; --row: 2; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> One-off Advice </div> <div class="h6 Table__TableRowHeader"> Meet with an adviser </div> <p style=" text-align: left; ">✅</p> </div> <div role="cell" style=" --column: 3; --row: 2; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Comprehensive Advice </div> <div class="h6 Table__TableRowHeader"> Meet with an adviser </div> <p style=" text-align: left; ">✅</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-middle "> <div role="rowheader" style=" --column: 0; --row: 3; " class=" Table__TableRowHeader Table__TableCell Table__TableCell--columnAlignmentOverride-left "> Ongoing relationship </div> <div role="cell" style=" --column: 1; --row: 3; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Digital Advice </div> <div class="h6 Table__TableRowHeader"> Ongoing relationship </div> <p style=" text-align: left; ">❌</p> </div> <div role="cell" style=" --column: 2; --row: 3; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> One-off Advice </div> <div class="h6 Table__TableRowHeader"> Ongoing relationship </div> <p style=" text-align: left; ">❌</p> </div> <div role="cell" style=" --column: 3; --row: 3; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Comprehensive Advice </div> <div class="h6 Table__TableRowHeader"> Ongoing relationship </div> <p style=" text-align: left; ">✅</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-middle "> <div role="rowheader" style=" --column: 0; --row: 4; " class=" Table__TableRowHeader Table__TableCell Table__TableCell--columnAlignmentOverride-left "> Engagement type </div> <div role="cell" style=" --column: 1; --row: 4; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Digital Advice </div> <div class="h6 Table__TableRowHeader"> Engagement type </div> <p style=" text-align: left; ">Digital + Phone</p> </div> <div role="cell" style=" --column: 2; --row: 4; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> One-off Advice </div> <div class="h6 Table__TableRowHeader"> Engagement type </div> <p style=" text-align: left; ">Video conference</p> </div> <div role="cell" style=" --column: 3; --row: 4; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Comprehensive Advice </div> <div class="h6 Table__TableRowHeader"> Engagement type </div> <p style=" text-align: left; ">Face to face</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-middle "> <div role="rowheader" style=" --column: 0; --row: 5; " class=" Table__TableRowHeader Table__TableCell Table__TableCell--columnAlignmentOverride-left "> About my CFS fund </div> <div role="cell" style=" --column: 1; --row: 5; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Digital Advice </div> <div class="h6 Table__TableRowHeader"> About my CFS fund </div> <p style=" text-align: left; ">✅</p> </div> <div role="cell" style=" --column: 2; --row: 5; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> One-off Advice </div> <div class="h6 Table__TableRowHeader"> About my CFS fund </div> <p style=" text-align: left; ">✅</p> </div> <div role="cell" style=" --column: 3; --row: 5; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Comprehensive Advice </div> <div class="h6 Table__TableRowHeader"> About my CFS fund </div> <p style=" text-align: left; ">✅</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-middle "> <div role="rowheader" style=" --column: 0; --row: 6; " class=" Table__TableRowHeader Table__TableCell Table__TableCell--columnAlignmentOverride-left "> About multiple super and pension funds </div> <div role="cell" style=" --column: 1; --row: 6; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Digital Advice </div> <div class="h6 Table__TableRowHeader"> About multiple super and pension funds </div> <p style=" text-align: left; ">❌</p> </div> <div role="cell" style=" --column: 2; --row: 6; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> One-off Advice </div> <div class="h6 Table__TableRowHeader"> About multiple super and pension funds </div> <p style=" text-align: left; ">✅</p> </div> <div role="cell" style=" --column: 3; --row: 6; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Comprehensive Advice </div> <div class="h6 Table__TableRowHeader"> About multiple super and pension funds </div> <p style=" text-align: left; ">✅</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-middle "> <div role="rowheader" style=" --column: 0; --row: 7; " class=" Table__TableRowHeader Table__TableCell Table__TableCell--columnAlignmentOverride-left "> Cost </div> <div role="cell" style=" --column: 1; --row: 7; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Digital Advice </div> <div class="h6 Table__TableRowHeader"> Cost </div> <p style=" text-align: left; ">$88 annually<sup>1</sup></p> </div> <div role="cell" style=" --column: 2; --row: 7; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> One-off Advice </div> <div class="h6 Table__TableRowHeader"> Cost </div> <p style=" text-align: left; ">Starts from $500<sup>1</sup></p> </div> <div role="cell" style=" --column: 3; --row: 7; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Comprehensive Advice </div> <div class="h6 Table__TableRowHeader"> Cost </div> <p style=" text-align: left; ">Dependent on your situation</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-f81a74881b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-3 "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; 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AIL and CFSIL are subsidiaries of Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (<b>CFS</b>). AIL and CFSIL are responsible for any general advice that either provides. AIL and CFSIL do not provide personal advice.</p> <p> </p> <p><b>Digital Advice: </b>Otivo Pty Ltd (<b>Otivo</b>) (ABN 47 602 457 732 AFSL 485665) provides web-based digital advice on selected topics to members of FirstChoice Employer Super, FirstChoice Wholesale Personal Super or FirstChoice Wholesale Pension. Otivo is a financial advice company that holds its own AFSL and is licensed to provide personal advice. This advice is provided under Otivo’s AFSL and not by AIL. Otivo is not part of the CFS group of companies. Otivo is responsible for any advice obtained through the Otivo platform. If you receive an advice service through Otivo, they will provide you with a copy of their Financial Services Guide (FSG).</p> <p> </p> <p><b>One-off Advice: </b>AIL and CFSIL have engaged Viridian Advisory Pty Ltd (<b>Viridian Advisory</b>) (ABN 34 605 438 042 AFSL 476223) to facilitate the provision of personal financial product advice under Viridian Advisory’s AFSL, as an agent of each of AIL and CFSIL. Viridian Advisory holds its own financial services licence and provides financial product advice under that licence. Viridian Advisory is not part of the CFS group of companies.</p> <p> </p> <p>AIL and CFSIL advise that: any financial product advice you receive is provided by Viridian Advisory in its capacity as an agent of AIL or CFSIL, and not personally by AIL or CFSIL; Viridian Advisory is not an authorised representative of AIL or CFSIL under the AIL or CFSIL financial services licence; Viridian Advisory is only authorised by AIL and CFSIL to provide one-off or episodic financial product advice and not any other services; and AIL nor CFSIL does not stand behind or guarantee the capital value and/or performance of any investment you may make as a result of the advice you receive from Viridian Advisory. Any other services would be provided in Viridian Advisory’s personal capacity and not as AIL or CFSIL’s agent. If you receive an advice service through Viridian Advisory, they will provide you with a copy of their FSG.</p> <p> </p> <p><b>Comprehensive Advice</b>: Comprehensive advice is provided under the AFSL of your chosen financial adviser. If you locate an adviser on the CFS ‘find an adviser’ tool on our website, search results will only show financial advisers who have an agreement to distribute our products. CFS cannot endorse advisers on this list, so it's important you take the time to assess which adviser is best for you. To search for additional advisers, please refer to the <a href="https://moneysmart.gov.au/financial-advice" title="Original URL: https://moneysmart.gov.au/financial-advice. Click or tap if you trust this link." target="_blank" data-tracker-locationid="cfs | disclaimer1-asicmoneysmartwebsite" rel="noopener noreferrer">ASIC MoneySmart website</a>.</p> <p> </p> <p>AIL is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. CFSIL is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.</p> <p> </p> <p>Information on this webpage is provided by AIL and CFSIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at <a href="https://www.cfs.com.au/personal/products/target-market-determinations.html?adobe_mc=MCMID%3D57372068186937928030613949948278763362%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1719185966">https://www.cfs.com.au/tmd</a> which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and FSG carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at <a href="https://www.cfs.com.au/next/home.html?adobe_mc=MCMID%3D57372068186937928030613949948278763362%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1719185966">www.cfs.com.au</a> or by calling us on <a href="tel:131336">13 13 36</a>.</p> </div> </div> </div> <button class="Disclaimer__Button" data-cmp-hook-disclaimer="toggle"> <span class="Disclaimer__ButtonLabel--more">Read More</span> <span class="Disclaimer__ButtonLabel--less">Read Less</span> </button> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-d0de486415" class="cmp-experiencefragment cmp-experiencefragment--cfs-footer"> <div id="container-c58a21ee61" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="two-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn 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