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Our Specific Advice service is conducted over the telephone with an adviser. This service is suited to people who have limited time or are looking for a quick response to a narrow range of financial issues.
Through this service you can receive advice on:
> contributions to superannuation including:
> spouse and voluntary contributions
> selection of investment options in QSuper and
> investing into managed funds.
When you ask us to provide advice through this service, your adviser will outline their strategy over the telephone. They will then provide you with a written financial plan detailing the steps required by you to implement this advice.
Advice on more complex issues including:
> Planning for retirement or broader objectives such as - How much do I need to retire?
> Projections of superannuation benefits or
> Repaying debt versus investing
is available through our Comprehensive Advice service.
Whether you want to follow your passions, retire in comfort or provide a healthy and happy environment for your family, knowing you have a sound financial foundation allows you to pursue your dreams with a sense of freedom and excitement.
Building a foundation takes knowledge and planning. The easiest way to find out how to make the most of your finances is to talk to an expert. At Q Invest, our advisers can provide you with a financial plan that is tailored to you - your goals, lifestyle and money habits. We can develop an overall financial plan for you through our Comprehensive advice service.
Our approach to financial planning makes the best use of the time you spend with your adviser. We ask that you invest a little time prior to your appointment and complete our Lifestyle Questionnaire. With this commitment from you we can properly understand your circumstances and goals and maximise the productive time with your adviser.
Our Comprehensive advice service uses a 3-step process in which you and your adviser work closely together.
Complete the lifestyle questionnaire
We will seek information on:
> Your weekly or monthly income and general expenses
> Details of your savings accounts, superannuation, insurance and any other investments you have
> Your debts, including mortgage, car loan and credit cards
> Details of any Social Security payments you receive
Develop the plan
After an initial discussion and using the information from your questionnaire, your adviser will develop appropriate strategies to help you meet your goals.
These strategies will be outlined in your financial plan.
Your plan will also contain details of any fees or commissions (in actual dollar amounts), any associations we have with financial product issuers or other parties which may have influenced the advice we give you and any limitations on the advice we give you.
Your completed plan will be sent to you.
Meet your adviser
On receiving your plan, it is your choice whether to then meet again with your adviser.
If you do, your adviser will take you through your plan, explain how the strategies work, outline any risks and show you what's involved in implementing the plan.
Implement the plan
You will then receive confirmation from these organisations indicating that the process is underway or completed.