Identify your needs, then seek out an adviser who provides the relevant services for you.
You can find a licensed financial adviser through:
- a financial advice professional association
- your super fund
- your lender or financial institution
- recommendations from people you know
Review the Financial Services Guide
Explore the services offered by a financial adviser by reviewing their Financial Services Guide (FSG). You can find it on their website or
request a copy directly from them.
The Financial Services Guide outlines:
- Services offered
- Fee structure (refer to financial advice costs)
- Ownership details
- Connections to product providers
- AFS licence number
Robo-advice is an online automated financial service where you input personal details, investment goals, and risk tolerance for
algorithm-generated advice. While it may be cost-effective and convenient, it has limitations, offering only a narrow range of services and
lacking the ability to assist with goal-setting, answer questions, or provide advice on complex financial matters.