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Our advice process

An initial appointment is available at no additional charge and can help you understand your options when it comes to financial advice and planning.

One of our team members will call at the requested time. Future bookings are available over the phone, in-person, or online.

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Equip financial planner

Meet our financial planners

Equip Super financial planners don’t receive any commissions, bonuses or incentives – either for the advice they provide, or the products they recommend.

So you can be confident that the advice and recommendations you receive are made with your best interests in mind.

Meet our planners

Frequently asked questions

  • Your first meeting with one of our financial planners is provided at no cost. This is an opportunity for us to assess your situation, understand what you’re  trying to achieve, and determine how we can help. Please note that no financial advice is provided in this initial meeting.
  • During this meeting we’ll explain the cost of any advice we’ll provide you. The exact cost of the advice provided will be determined by the nature and complexity of the advice itself. We’ll ensure that you understand the costs up front – and agree to those costs – before we proceed to the next steps.
  • This discussion generally takes around 60 to 90 minutes, depending on the detail of your discussion.

  • After this initial consultation, providing we have your agreement to the costs before we proceed, we’ll begin work on your recommendations. We’ll gather information on your personal circumstances, your financial position and your goals and objectives. We’ll then determine the financial strategies and products that are appropriate for your circumstances, and develop a series of recommendations.
  • At this stage, there may be a need to meet again to clarify or gather any additional information before we prepare your statement of advice.
  • Our final recommendations will be provided to you in writing as a statement of advice.

  • We’ll meet with you again to go through your statement of advice in detail, explaining our recommendations and answering any questions you have.
  • We’ll outline how we can work with you to implement these recommendations on your behalf.
  • This meeting can either be in person or online via Microsoft Teams.

Once you’re ready to go ahead, your financial plan will be put into action. Where appropriate, your financial planner may work with specialist professionals on your behalf, such as an accountant or solicitor.

Once we implement the recommendations we’ve provided, it can be a good idea to also arrange additional reviews with your financial planner from time to time to help ensure your plan is on track and continuing to deliver what you need for your retirement.

This can form an important part of the overall comprehensive advice process, as your needs and objectives can change over time.

For example, through the review process we could provide further advice on:

  • your changing needs and objectives
  • your financial products and strategies
  • social security issues
  • your income and debt levels
  • your family situation and health
  • the economic environment

Who provides your advice?

Here at Equip Super, we provide two levels of financial advice:

  • Super advice*: guidance and advice on your Equip Super accounts, such as which investment options will suit your needs, or what types of contributions will work for you.
  • Comprehensive advice*: more complex financial advice needs, such as broader contribution strategies or detailed retirement planning, is provided by qualified financial planners who are part of Equip Financial Planning.

* Financial advice is provided by representatives of Togethr Financial Planning Pty Ltd (ABN 84 124 491 078, AFSL 455010), trading as Equip Financial Planning, a related entity of Togethr Trustees Pty Ltd.

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