Your Financial Planning Options
Just as everyone has different goals and needs a tailored financial plan, we also want to deliver advice when, where and how our members need it.
At CSC, we pride ourselves on knowing our members better than anyone else. We know that experience counts and we want to make sure our decades of experience is also put to use in giving you financial advice that counts.
Our authorised* financial planners are dedicated to listening and really understanding what you want to achieve, not just out of super or retirement, but out of life as a whole. They’re there to show you where to go, and stay on your side every step of the way.
We also know that everyone likes to receive knowledge and advice differently. You can access advice services in a range of ways, when and how you want it.
* Our authorised financial planners are authorised to provide advice by Guideway Financial Services (ABN 46 156 498 538, AFSL 420367). Guideway is a licensed financial services business providing CSC financial planners with support to provide members with specialist advice, education and strategies.
When you are given comprehensive advice, it simply means our experienced financial planners give you a complete financial plan to suit your needs. They listen to what keeps you going, help you set your sights on realistic yet fulfilling goals and ambitions and then create either one strategy or a series of scenarios to help you get there. It all starts with one initial appointment and from there, your financial planner can see how far you want to go.
Advice can cover any of the following topics:
- Superannuation & tax
Strategies to maximise your super and increase the amount available to you when you retire, as well as how best to navigate the world of taxation
How best to diversify your income so you have what you need when you retire, including 54/11 and age retirement
How you can use investments outside super to increase your wealth
How best to provide for yourself and your family should the unexpected happen, whether it’s life insurance or income protection insurance
Issues like debt and redundancy
At CSC, we believe all our members deserve the guidance they need to secure a safe and comfortable retirement as well as have the peace of mind that they and their families are in safe hands. Our financial planners aim to provide good value advice.
An initial advice appointment will cost $185 and a full plan costs $3,300 on average. Depending on complexity, a personal financial plan can cost up to $6,600. These figures are inclusive of GST.
We know that in life, rarely do things stay the same. More so when it comes to finances, where unexpected life events can come about, ambitions change, and the economy itself can take different turns, for better and worse.
No matter how things change, our commitment to help you through it all stays the same. The ongoing advice service allows you to access advice either annually or bi-annually to regularly update your financial plan and ensure you’re on track to achieve it. Through this service our financial planners can:
- Advise you on how significant life changes like starting a family or buying a home can affect your financial plans for the future, and how best to adjust
- Keep you up to date with changes to legislation and how this might affect you
- Help to ensure that you’re on track to reach your financial goals through regular monitoring of your situation
- Monitor your cash-flow to make sure you have enough when you need it
Ongoing advice starts at $2,200 per annum (incl. GST).
Our members have diverse lives and it goes without saying that we find them in very different places. If you don’t live in Adelaide, Canberra, Sydney, Melbourne or Brisbane, you can still access our financial advice. our financial planners go on the road to other locations so see below when we’ll be in your city or town. Simply call 1300 277 777 to book an appointment.
Here’s our schedule for 2018
PSSap Simple Advice
We understand that depending on your situation and stage of life, sometimes you only need advice on a few simple areas. If you're a member of PSSap, your membership allows you to get simple advice from a CSC Financial Planner at no extra cost. PSSap simple advice can cover the following areas:
- Do you have the right level of insurance cover in your super?
- Which investment choice in super best suits my risk appetite and life stage?
- Should I make additional contributions to super?
PSSap simple advice appointments are held over the phone which will allow us to discuss your situations and goals. After the appointment with one of our Financial Planners, we will be in a better position to prepare more personalised advice on these simple topics at no additional cost.
Please note that CSS, PSS and PSSap (ancillary) members are a bit more complex, meaning simple no cost advice is not available to these members.
Just so you know
Our authorised financial planners are authorised to provide advice by Guideway Financial Services (ABN 46 156 498 538, AFSL 420367). Guideway is a licensed financial services business providing CSC financial planners with support to provide members with specialist advice, education and strategies.
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Our authorised* financial planners help you make your ambitions and your future one and the same.Learn more