Your Financial Planning Options

When you are given comprehensive advice, it simply means our experienced Comprehensive Financial Advisers 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 Comprehensive Financial Adviser 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

• Retirement

  How best to diversify your income so you have what you need when you retire, including 54/11 and age retirement

• Investment

  How you can use investments outside super to increase your wealth

• Insurance

  How best to provide for yourself and your family should the unexpected happen, whether it’s life insurance or income protection insurance

• Other

  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.

Personal comprehensive advice costs range from $3,450 to $8,800 (incl. GST), depending on complexity and the amount of work involved. There is generally a fee of $185 payable at the end of your initial meeting.

Appointment Cancellation Policy

We know that your time is valuable and we appreciate that you understand ours is too.

The financial planning service is subject to a 48 hour cancellation policy for appointments with our authorised Comprehensive Financial Advisers. Any cancellation or rescheduling of an appointment with a financial planner that occurs 48 hours or more before the scheduled appointment time is at no additional cost to you.

However, a cancellation fee may be charged* for:

• any cancellation or rescheduling of an appointment with a Comprehensive Financial Adviser that is made within 48 hours of the appointment; or
• any failure to attend an appointment with a Comprehensive Financial Adviser without contacting your financial planner to cancel or reschedule the appointment.

*The cancellation fee will be equal to the GST inclusive amount of the appointment fee for the cancelled appointment as detailed in the Financial Services Guide (contact for a copy).

To cancel or reschedule your appointment, please call 1300 277 777.

Our members have diverse lives and it goes without saying that we find them in very different places.

We have offices in Canberra, Sydney, Melbourne, and Brisbane, however if you don't live in one of these locations you can still access financial advice from our authorised CSC Super and Retirement Advisers.

We have a virtual advice offering to provide the same services, either by telephone or via video conferencing, so you can still receive financial advice from wherever is most convenient for you.

Simply call 1300 277 777 to book an appointment.

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 or ADF Super, your membership may allow you to get simple advice from an authorised CSC Super and Retirement Adviser at no extra cost. 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?

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 authorised CSC Super and Retirement Advisers, we will be in a better position to understand whether simple advice is appropriate for you and if so, prepare more personalised advice on these simple topics at no additional cost.