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.
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
General Advice
General advice is factual information only where no written advice document is 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 such as:
- Factual information regarding the superannuation or income stream account involved.
- Basic rules regarding superannuation or income streams.
- Types of superannuation contributions.
- Superannuation 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 Planning
- 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.
Implementation
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.
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 which means we are not permitted to receive any commissions or incentives associated with the advice provided or products that we recommend. Our fees are not driven by shareholder or company profit incentives and our Financial Planners receive a fixed salary with no bonuses or commissions payable for any product or performance related sales targets. Our advice is intended to meet the needs of our clients, not our needs or the needs of shareholders.
General Advice
This service is generally fully subsided by the superannuation funds with whom we hold written advice agreements which means that members of these funds do not pay any out-of-pocket fees for general advice.
Intra-fund Advice
This service is generally fully subsided by the superannuation funds with whom we hold written advice agreements which means that members of these funds do not pay any out-of-pocket fees for Intra-fund advice.
Comprehensive Advice
The initial consultation with one of our Financial Planners is provided free of charge to allow us to determine the need for advice and the cost associated with the advice required. Our clients are given the option to receive advice, and if so, a fee will be quoted and agreed upon during the initial consultation and before the commencement of any work. The fee will depend on the complexity of the advice being provided and can range anywhere from $220 - $3,300 (including GST).
If the advice is related to superannuation then this fee may be deducted from an eligible superannuation or income stream account. If the advice is not related to superannuation, the fee must be paid directly.
For members of superannuation funds with whom we hold advice agreements, part of the cost may be subsided and covered by the fund which will lead to lower out-of-pocket fees.
Implementation
If you require assistance with the implementation of our advice or instruct us to implement on your behalf, we may charge an implementation fee. Our implementation fee starts from $55 (including GST) and will depend on the complexity of work involved. This fee cannot be deducted from a superannuation or income stream account.
“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.
Vacancies
My Super Future available jobs or IFAA Group available jobs
Client Services Officer
My Super Future (MSF)
BUSINESS AREA: Financial Planning Services
EMPLOYMENT STATUS: 6 Month FTC
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