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Financial Planning

Your financial road map

Everyone has different places that they want to go in life – to own a home, invest for retirement, send the kids to university or simply feel secure. A financial plan, prepared by a qualified Financial Planner, is a road map that gives you clear directions to help you achieve your goals.

  Keeping you on course when things change.

Your financial plan helps ensure that your finances remain aligned to your goals when changes occur.

For example:

  • Legislative changes – a Financial Planner can explain how changes made to legislation could affect your finances and how you can maximise your opportunities.
  • Personal changes – everything from pay-rises to windfalls or redundancy; your Financial Planner can show you strategies to help you optimise your finances at every stage.
  What can my Financial Planner do for me?

What stage are you at right now? Building your wealth? Nearing retirement? Starting a new business? Getting ready to retire? Whatever stage you're at, getting financial advice from a qualified Financial Planner could benefit you in many ways - check the situations below to see how.

  • I'm nearing retirement - suggest strategies for making the most of your Superannuation.
  • Retirement is still a long way off - show you how to potentially increase your eventual retirement payout without sacrificing your lifestyle now. 
  • I don't know what's happening with my Superannuation - track down your Superannuation from different jobs and consolidate it.
  • I've recently been made redundant - offer advice on how to invest any redundancy payment or how to cope financially while you find a new job.
  • I've just become my own boss - discuss strategies to protect your income and maximise your Superannuation.
  • I want to build my wealth - show you how to grow your wealth through innovative strategies like margin lending.
  • I've just received a surprise windfall - suggest ways to invest any surplus funds for maximum gain.
  • I want to look at estate planning - look at your assets and opportunities 
  What will happen when I meet my Financial Planner?

Your first meeting with your Financial Planner is free, and there's no obligation or pressure to proceed. During this meeting, your Financial Planner will ask you questions to get an understanding of your goals, attitude to risk and financial circumstances.

If you decide to go ahead with a financial plan, the consultation process will involve the following:

  • Collect
 Your Financial Planner will ask you to provide details (such as your income, assets, liabilities, investments and other financial details) so they can get an accurate picture of your finances.
  • Recommend
 Using your details, your Financial Planner will recommend strategies to help you achieve your goals, then develop and present you with their recommendations in writing (called a Statement of Advice).
  • Discuss
 Your Financial Planner will then seek your approval for the strategies they have recommended and make any adjustments you require.
  • Implement
 Once you accept your Financial Planner's recommendations, they will go about putting any agreed strategies in action.
  • Review
 Your Financial Planner will offer to regularly review your plan to ensure it remains aligned to your goals and circumstances when things change.
  • Remember you're always in control
 You can stop, change or continue with your plan at any stage in the process.
  What information will my Financial Planner need?

Make the most of your Financial Planner's expertise so that your plan is both in tune with your circumstances and achievable, you'll need to provide your planner with some detailed information about yourself. Use the checklist below as a guide.

You financial details:
  • What's your personal annual income?
  • What's your combined family income?
  • What do you expect your future income to be (including any inheritances)?
  • What are your family circumstances? (e.g. How many children do you support)?
  • What are your current assets and liabilities?
  • What Superannuation and insurance do you have?
  • What investments do you have?
Your personal situation and goals:
  • How old are you?
  • When do you want to retire?
  • How do you want to educate your children?
  • Is a second home (like a holiday house or investment property) important to you?
  • Do you have dependents you need to provide for?
  • Do you have an up-to-date will?
  • Are there any significant expenses on the horizon?
Why choose financial planning through QSCU?

You trust us with your everyday banking - and now we have joined with ClearView to provide you with the opportunity to enjoy the same personal, top quality service for your investments, insurance and Superannuation.

All Financial Planners are Authorised Representatives of ClearView Financial Advice Pty Ltd ABN: 89 133 593 012 AFSL: 331 367

All Financial Planners who are employed by QSCU are also Authorised Representatives of QSCU and may also provide advice to Members in respect to products issued by QSCU, such as Retirement Savings Accounts, Term Deposits and Savings Accounts.

Who is ClearView?

ClearView is one of Australia's leading financial services groups that specialises in providing financial advice to help our Members grow their assets and protect their families. ClearView Financial Planners have access to comprehensive range of investment options, Superannuation and retirement products, as well as access to life insurance cover.

What are ClearView's credentials?

ClearView is licensed to deliver a range of financial services.

This includes offering advice on:

  • Personal Superannuation, allocated pensions, RSA accounts, spouse contributions.
  • Self-managed Superannuation funds.
  • Managed funds.
  • Insurance (life, disability and income protection).
  • A wide choice of investment options from Australia's leading fund managers.
  • Plus you'll receive personalised advice from a qualified Financial Planner dedicated to growing and securing your wealth.
More information
Talk to one of our Financial Planners today

Contact us by either:

  • Dropping into a branch
  • Calling us on 1300 787 787
  • Fill in an enquiry form below and we'll get back to you.

Enquire with QSCU today

All Financial Planners are Authorised Representatives and provide advice under the authority of ClearView Financial Advice Pty Ltd, ABN 89 133 593 012, AFSL 331 367. QSCU receives a commission for referrals to ClearView. You should consider the relevant Product Disclosure Statement (PDS) before investing in a product. Please refer to the QSCU Financial Services Guide (FSG) and ClearView's Financial Services Guide for more information.
The information on this page is of a general nature and is not intended to be a substitute for personal advice. This website page has been produced without taking into consideration your personal financial circumstances, objectives or needs. You should consider the appropriateness of the information to your financial situation and seek personal advice before acting on any information on this website.