Financial advice

As one of Australia’s oldest mutual companies, we believe our financial advice offering is unique as it is provided by a member-owned organisation. This means we invest in products and services (such as financial advice) that matter most to our members, customers and the community.

 

So, you can be assured that the financial advisers we employ, the advice they provide, the processes, procedures and governance they follow, have been designed with you – our client - at the core. We have invested heavily in ensuring the advice you receive, is based on a solid foundation of experience, integrity, mutuality and an overall desire to improve the wellbeing of our members and clients.

Whatever your risk profile, life stage, current financial position or future aspirations, we can partner with you to design a personal financial plan that could be life changing. We can help you with: 

• budgeting and managing your money
• investing your money
• super and retirement planning 
• risk insurance
• redundancy
• aged care
• estate planning

Before meeting with a financial adviser, it is important to think about what you want to achieve, your own specific circumstances and perhaps what is worrying you. Our advisers rely on you to be as open, transparent and clear as possible so they can ensure your plan will truly meet your needs.

 

One way to do this is to think about your financial goals in relation to your life stages and timing:

• Short-term: saving for a holiday, paying off a credit card, reducing personal debt, or protecting your income and family.
• Medium-term: buying a home, planning for educational costs or building an investment portfolio, and again, protecting the people important to you.
• Long-term: planning for retirement, building wealth or creating a legacy.

 

Our advisers will help you refine and prioritise these goals as part of the development of your unique financial plan.

We don’t simply establish a plan for you and walk away. We ensure your personal financial plan and associated strategies are revisited and revised on a regular basis. We seek to identify if anything significant has changed in terms of:

• your current financial position and lifestyle goals
• your overall financial, wealth, retirement, taxation, Centrelink, and risk management strategies
• the legislative framework in which your financial plan operates
• the past and possible future performance of your investments
• the current allocation you have to each asset class and your tolerance to investment risk
• your lifestyle goals

If so, we apply our ‘Gap Analysis Procedure’ to assist us in re-aligning your financial resources and your tolerance for investment risk with your lifestyle goals. 

Once all of the above is discussed, we recommend modifications to your financial plan as appropriate to help ensure your plan remains on track to achieve your goals. 

We then, on your approval, implement each of these modifications on your behalf.

If you’re reading this, you’re doing your research. You’ve most likely made the decision that you need financial advice – but you’re not quite sure where to start. 

To help you in your decision-making process, we’ve developed some documents that you can review according to your key interest areas. 

• What is the value of advice?
• What is our investment philosophy?
• What is our approach to asset allocation?

Further documents are available on each of our service pages, which you can access via the links below.

Financial Services Guide

 Australian Unity Personal Financial Services Ltd (‘AUPFS’) ABN 26 098 725 145, AFSL 234459. AUPFS is a wholly owned subsidiary of Australian Unity Limited. Any advice on this site is general only and does not take into account the objectives, financial situation or needs of any particular person. You should obtain financial advice relevant to your circumstances before making any decisions. Please refer to our Financial Services Guide.