Life changes
08 September, 2025

Navigate your future with CareSuper advice

Super is one of the most important financial assets you’ll ever own. It’s the foundation that will support your lifestyle once you stop working, and the earlier you plan, the more confident you can feel about the years ahead.

But super can feel complex — from contribution strategies and investment choices to retirement income options and Age Pension entitlements. That’s where the right advice makes all the difference.

At CareSuper, our advice services are designed to give you clarity at every stage of life. Whether you’re just getting serious about building your balance, planning for retirement, or already enjoying it, we can help you make informed choices that match your goals.

 

1. Sort your super — personal advice#

Need help navigating your CareSuper account? Our personal advice service is included in your membership at no extra cost. You can talk with an expert about:

  • growing your super balance
  • using tax incentives to your advantage
  • choosing the right investment strategy
  • forecasting what your super might look like when you retire
  • reviewing income options for later life

This ongoing support lets you adjust your strategy anytime as your goals evolve. 

Learn more >

 

The Retirement health check is a standout offering designed for anyone planning or already in retirement. This affordable, tailored session delivers a clear and practical assessment of your retirement readiness. It includes:

  • a review of your super balance and projected outlook
  • an estimate of how long your savings might last
  • a full picture of your assets (including your partner’s, if applicable)
  • insights into whether you’re on track for your goals
  • your eligibility for the Age Pension
  • key opportunities to strengthen your future plan


All this insight is packaged into one personalised financial snapshot — giving you clarity and peace of mind. The cost? $425 upfront, or $386 when deducted from your CareSuper account (no GST payable). 

Learn more >

3. Design your future — comprehensive advice with a planner*

For a deeper dive, comprehensive advice connects you with a qualified financial planner. The initial appointment is at no extra cost to you. If you choose to proceed, your planner will outline any costs upfront. You’ll also have access to tailored support in areas such as:

  • turning your retirement goals into a clear strategy
  • tax-efficient retirement income options
  • sustainable wealth creation and protection techniques
  • optimising your super contributions and Age Pension
  • transition-to-retirement (TTR) strategies
  • managing risks, insurance, estate planning, and debt

Your planner will clearly outline any associated costs upfront — with no hidden commissions.

Learn more > 

 

4. Beyond your super — complex financial advice^

CareSuper's advice isn't limited to super. Under Beyond your super, you can request personalised guidance on a wide range of broader financial topics — whether you're navigating investments, planning estate strategies, or exploring other financial matters relevant to your life stage. Costs vary depending on the complexity and topic.

Let’s talk >

 

What’s your next step? 

We make it easy to get the advice you need, when you need it:

  • Start with a Personal advice chat to sort your super basics
  • Elevate with a Retirement Health Check — for a clear financial snapshot and roadmap
  • Go further with Comprehensive advice to plan confidently for your future
  • Explore beyond super for holistic financial solutions. 

Whatever stage you’re at, there’s a path forward — and you’re not alone. To learn more or book a session, find out more on our advice page. Take control, gain clarity, and navigate your future with confidence.

 
 
Disclaimer:
# CareSuper Advice is a financial advice service available to CareSuper members through CareSuper Advice Pty Ltd, ABN 78 102 167 877, AFSL No. 284443 which is licensed to provide financial advice services and deal in financial products. CareSuper Advice Pty Ltd is a wholly owned company of CareSuper (Secretariat Co) Pty Ltd ABN 29 104 826 413, a related entity of CareSuper Pty Ltd ABN 14 008 650 628, AFSL No. 238718 (Trustee) which is the trustee of CareSuper ABN 74 559 365 913 (Fund).
* Advice is provided by one of our financial planners who are Authorised Representatives of Industry Funds Services Limited (IFS). IFS is responsible for any advice given to you by its Authorised Representatives. Industry Fund Services Limited ABN 54 007 016 195 AFSL 232514.
^ Complex advice is provided by an external party after being referred by one of our financial planners. This external party is Nestworth Financial Strategists Pty Ltd ABN 71 672 637 946, an authorised representative of Personal Financial Services AFSL 234459. If you seek complex advice with Nestworth Financial Strategists, you will be provided with a Financial services guide setting out the advice services that can be provided and costs for advice agreed to upfront with them. A Statement of Advice setting out the basis for the advice will be provided. CareSuper receives no financial incentives from Nestworth Financial Strategists in referring a member.


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