About
My Super Future
At My Super Future we provide professional, ethical and quality financial advice and education. Our primary purpose is to assist our clients to achieve their financial goals and objectives. We provide advice in a wide range of areas, whilst at our core we are superannuation and retirement experts.
My Super Future is part of the IFAA group of financial services companies that focus on superannuation administration services, financial planning services, industry compliance, technology solutions and financial and accounting management.
How we can help you
At My Super Future we first spend time simplifying the complex and confusing nature of areas such as superannuation and investment markets, before determining what your goals are. We then formulate and tailor a plan to help you achieve these goals. This plan then becomes a road map to reaching your destination - financial security. We can also help you to implement the advice we provide by assisting with any complex paperwork that may be involved and we are available to answer any questions or concerns you may have along the way.
At My Super Future we service a range of clients from all stages of life including:
- Young wealth accumulating couples.
- Middle aged clients looking to boost their superannuation savings.
- Pre-retirees looking to transition to part time work.
- Retirees wanting to plan their lifestyle throughout retirement.
Plan ahead
Each stage of life needs special consideration and planning: time and time again we witness the positive difference a well managed financial plan can make to a person’s life. Taking control of your finances and planning ahead can enable you to achieve your goals, ensuring you can build a lifestyle you can enjoy with an optimal level of protection and confidence.
Clients
Our client base primarily consists of members of industry superannuation funds with whom we have contractual arrangements (such as both QIEC Super and Club Super) and for this reason, My Super Future also trades as ‘QIEC Financial Planning’ and ‘Club Super Financial Planning’. We are also able to provide advice to any other client who may not be a member of these superannuation funds.
At My Super Future we can help you understand your options, avoid costly mistakes, make smart choices and help you stay on track.
People
Our team of experienced staff are experts in Financial Planning and Superannuation. We undertake regular training and professional development to ensure our technical knowledge is at the forefront of the industry. All of our Financial Planners are members of the Financial Planning Association and adhere to the high standards of professional and ethical conduct expected of them.
We are obliged to act in the best interests of our clients and to exercise a duty of care when providing advice. These obligations are guided and enforced by both the Tax Practitioners Board (TBP) and the Australian Securities and Investments Commission (ASIC).
Click here for details about our team.
"There are risks and costs to action. But they are far less than the long range risks of comfortable inaction". John F. Kennedy
Advice Services
Online Advice
My Super Future offers automated or digital personal advice through the ‘YourSuperFuture Tool’ available to QIEC Super and Club Super members via their Member Online portal.
General Advice
General advice is advice that does not take your personal circumstances into account and does not require a written advice document to be provided. This service is available over the phone for members of superannuation funds with whom we have a contractual arrangement to provide advice, such as QIEC Super and Club Super members. General advice can include:
- Information regarding the superannuation or income stream account involved.
- Basic rules regarding superannuation or income streams.
- Types of superannuation contributions and contribution caps.
- Preservation ages.
- Conditions of release from superannuation.
Intra-fund Advice
Intra-fund advice covers simple superannuation topics only. This advice service is available over the phone for members of superannuation funds with whom we have a contractual arrangement to provide advice, such as QIEC Super and Club Super. This advice can include:
- Contributions into superannuation.
- Insurance within superannuation or income stream accounts.
- Investment choice within superannuation or income stream accounts.
- Superannuation and income stream death benefit nominations and a basic estate planning review.
- Transferring superannuation to an income stream account at retirement.
Intra-fund advice generally requires one phone appointment only and a written advice document will be provided via post or email.
Comprehensive Advice
Comprehensive advice can include the above Intra-fund topics together with more complex advice and is generally provided in a face-to-face appointment. We are able to provide this service over the phone to clients who are not located near our office. Our comprehensive advice can cover topics such as the following:
- Superannuation and Retirement Planning
- Insurance Planning
- Investment Planning
- Estate Planning
- Debt Planning
- Centrelink Planning
Comprehensive advice generally requires two face-to-face appointments. The first appointment is used to gather the relevant information to prepare the advice and the second appointment is used to explain the advice and strategy and assist to implement the advice provided.
Review of Advice
Our clients have the option to sign up for formal reviews by entering into a fixed ongoing service arrangement. Alternatively, you have the option of choosing to contact us directly when you deem appropriate or when you require new advice.
Implementation and Execution Only
My Super Future provides implementation services to all clients who require assistance with completing, lodging and following up paperwork to implement the advice we have provided.
We can also provide an ‘execution only’ service where we carry out instructions that you give to us, without us having provided you with any personal advice (e.g. lodging documents on your behalf).
Process
If you would like to find out more about My Super Future and how we can help you or if you would like to book an appointment to see one of our Financial Planners, please contact us. QIEC Super and Club Super members please call your superannuation fund. They will send us your personal and fund details and we will contact you to arrange an appointment.
QIEC Super 1300 360 507
Club Super 1300 369 330
For all other enquiries, please call our office on (07) 3238 1485 or email us at admin@mysuperfuture.com.au
What to Expect
If you decide to book an appointment, we will send you a confirmation email detailing what to bring with you or have ready. During your initial appointment we will:
- Explore your financial goals and objectives and reasons for seeking advice.
- Determine if you would like to proceed with our advice process and quote you a fee for the advice.
- Complete a Fact Find document to gather your personal and financial details to ensure that our advice is suited to your particular financial circumstances and needs.
- Complete a Risk Profile Questionnaire to assist you to understand your tolerance towards investment risk and to allow us to recommend suitable investment options for you.
- Discuss financial strategies that may be beneficial for you and agree on these in broad terms.
- Discuss your options to receive our written advice which is prepared after your first appointment. Intra-fund advice documents are usually emailed or posted and a second appointment is generally arranged for Comprehensive advice documents.
If you choose to receive advice from us you will be given an estimated timeframe and the out-of-pocket cost involved (if any). To prepare a written ‘Statement of Advice’ document can take anywhere from a few days (for simple Intra-fund advice) or up to 6 weeks (for more complex comprehensive advice).
What You Will Need
To make the best use of your appointment time please ensure that you have considered what your financial goals and objectives are, as your goals provide the basis for our advice. Please ensure you also have with you the following information:
- A copy of your superannuation statements.
- A copy of your current payslip(s).
- Details of any other income you are receiving apart from employment income (such as investment income, pension income or government payments).
- Details of any expected future income and/or lump sum payments such as inheritances and redundancy payments.
- Your annual living expenses. (If you need help preparing a budget, visit the MoneySmart website at www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/budget-planner)
- An idea of your preferred income requirements in retirement (if relevant). (For further information about the average living costs for singles and couples in retirement, visit the ASFA website at www.superannuation.asn.au/resources/retirement-standard)
- Details of your assets and liabilities (such as the value of your home and mortgage, credit card debt, personal debt, bank account balances, investment property details, managed funds, direct shares etc).
- Details of any personal insurance policies held.
Where We Give Advice
At My Super Future we aim to accommodate the needs of our clients as best we can.
Most of our appointments are held at our office located at Cathedral Square in Brisbane city. Our reception is located on Level 3 West Tower, 410 Ann Street, Brisbane, QLD, 4000. If you are driving into our office complimentary parking is available for you in the Secure Parking Cathedral Square car park (subject to availability) which is accessible from either Ann Street or Raff Street (off Turbot Street). On arrival, please take a parking ticket and we will validate the cost of your parking before you leave our office. Our office is also only a 5 minute walk from Central Station (towards Fortitude Valley).
Our Financial Planners are also prepared to travel to you if your personal circumstances mean that you are unable to attend our office in Brisbane. We also travel to regional areas such as Toowoomba, Bundaberg, Hervey Bay, Rockhampton, Mackay, Townsville and Cairns to provide advice. Please contact our office to find out more about our regional trips.
Fees
My Super Future operates on a ‘Fee for Service’ basis. Our fees are not driven by shareholder or company profit incentives and our Financial Planners receive a fixed salary with no bonuses payable for any product or performance related sales targets.
Online Advice, General Advice and Intra-fund Advice
The cost of these services are paid for with the administration fees charged by QIEC Super or Club Super, which means that QIEC Super or Club Super members do not pay any additional out-of-pocket fees.
Comprehensive Advice
Initial appointments for comprehensive advice are complimentary and obligation free.
If part of the advice is related to a QIEC Super or Club Super account, then part of the cost of this service may be paid for with the administration fees charged by QIEC Super or Club Super, resulting in only a partial out-of-pocket fee. The out-of-pocket fee for comprehensive advice will depend on the complexity of the advice being provided and can range anywhere from $330 to $3,300 (including GST), with the average out-of-pocket fee being around $550 (including GST).
If the advice relates to superannuation then any out-of-pocket fee can be deducted from an eligible superannuation account, otherwise the fee must be paid directly via Electronic Funds Transfer (EFT) or cheque.
Review of Advice
There will be an out-of-pocket fee involved for a Review of Advice which will be agreed upon in advance and will depend on the level of service to be provided over the relevant period. If the advice relates to superannuation then the out-of-pocket fee can be deducted from an eligible superannuation account, otherwise the fee must be paid directly via EFT or cheque.
Implementation and Execution Only
Our implementation and execution only fees range from $55 to $550 (including GST). The fee charged will depend on the complexity of work involved.
“A journey of a thousand miles begins with a single step”
Careers
My Super Future is a part of the IFAA Group which consists of companies that focus on superannuation administration services, financial planning services, industry compliance, technology solutions, and financial and accounting management.
We believe that our friendly, yet professional environment, competitive remuneration packages and belief in a healthy work-life balance make us an employer of choice in our respective industries.
For more information on our group recruitment policy, health & well being program and other benefits and opportunities please click here.
Testimonials
We pride ourselves on providing a personalised and professional service to our clients. Here’s what they have to say about us:
‘The first meeting made us feel welcomed and confident that our needs would be taken care of in a friendly, efficient manner.’
Jillian, QIEC Financial Planning client 03/07/2017
‘Thorough, competent and efficient.’
Debra, QIEC Financial Planning client 08/07/2017
‘Extremely thorough, helpful, and insightful on how I should plan for my financial future.’
Malcolm, Club Super Financial Planning client 09/07/2017
‘Very knowledgeable, easy to understand and very professional.’
Sheryl, Club Super Financial Planning client 06/08/2017
‘Great advice. Everything was explained in a simple way to understand. The planner was very helpful.’
Brian, Club Super Financial Planning client 01/12/2017
‘Attentive, knowledgeable and caring.’
Christine, My Super Future client 01/12/2017
‘I received some of the best advice I have ever had from a financial planner. I was very impressed and felt really supported.’
Ingrid, QIEC Financial Planning client 04/12/2017
These testimonials were provided by clients in response to independent surveys conducted by Engaged Marketing® throughout 2017.
Contact
Office hours
8:30am - 5:00pm
Monday to Friday
Business address
West Tower
Level 2, 410 Ann Street,
Brisbane, Queensland, 4000
Postal address
PO Box 10478,
Brisbane, Queensland, 4000
My Super Future
West Tower
Level 2, 410 Ann Street,
Brisbane, Queensland, 4000
Phone: (07) 3238 1485