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January 9 2023
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Top questions to ask a financial adviser

Just like you can go to a mechanic for your car and a doctor for your health, a financial adviser is the person you can talk to about getting financial advice about super, retirement and other financial matters. Financial advice from an expert may help you start your retirement planning journey with confidence.

What you may want to talk to an adviser about

If you’re keen to get financial advice but aren’t sure where to start or what to ask, this list of categories and questions may help provide you with a starting point. However, it’s important that you also think about what you would like to discuss with your financial adviser.

Understanding superannuation

When you get started with super, you’ll want to understand how super works including the benefits, important limitations and how you could make the most of your contributions.

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Tip: You can learn about your Rest account by reading your annual statement, which explains your investment options, performance, fees and insurance. Check it out in the Rest App.

Questions you might want to ask:

Super and insurance

Insurance may be one of the benefits of joining any super fund.

Questions you might want to ask:

  • How much insurance cover do I need?
  • Have I got the right type of cover?
  • Who receives my insurance payment?
  • Can insurance help my family get by if I pass away?
  • If I become sick or injured and can’t work, what type of insurance and how much insurance would I need to cover living expenses like my mortgage repayments?

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Tip: To find out what types of insurance you have, how much you’re covered for and to apply for more cover, login to MemberAccess and click the Insurance tab.

Planning for retirement

The earlier you start planning, the easier it will be to get on track to help achieving the retirement you want.

Questions you might want to ask:

If you’re a Rest member, you can get advice on your super or retirement anytime. For simple advice there is usually no additional cost – it’s part of being Rest member. For more complex advice, e.g. questions involving your spouse, a cost may apply. Book a call with a Rest Adviser.

This information has been prepared for general informational purposes and should not be relied on for tax, accounting or other professional advice. Before making any decision or acting on the information, you should seek appropriate tax, accounting or other professional advice relevant to your circumstances.

Want to learn more?

Starting out

Changing super funds

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Transitioning to retirement

What is an account based pension?

Find out how an account-based pension works, and how Rest could help you set yours up today.

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Planning for retirement

How much super can you have and still get the Age Pension?

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