Retirement products and solutions built around the client
Each of our retirement solutions play a different role, while the broader CFS Retirement Advantage™ ecosystem gives you the flexibility to combine products, strategies, expertise and tools around the client and the client experience.
Progressively expanding across our platforms
The CFS Retirement solutions will be introduced progressively across FirstChoice and CFS Edge, and availability will vary by product and platform.
Estate planning with Safewill
Access an affordable online pathway for clients to create a legally valid Will, extending the advice relationship beyond retirement income into legacy planning.
Available on FirstChoice
Retirement modelling tools
Integrated modelling designed to help you compare strategies, illustrate projected impacts and clearly evidence the outcomes behind your recommendations.
Coming FY27 – FY28
FirstChoice Pension Bonus
A one-off payment that can boost an eligible client's super balance when moving from super to pension¹ – without changing the investment strategy you selected.
Available now
Lifetime pension solutions
Investment-linked and guaranteed options designed to help advisers manage longevity risk while retaining choice over the broader retirement strategy.
Coming FY27 – FY28
Retirement Income Optimiser
A feature of FirstChoice super that lets you support lifetime income strategies for your clients – without locking them into decisions while they're still building their super.
Available now
Investment bonds
A tax-effective structure that can support estate planning, intergenerational wealth and longer-term investment strategies, developed with Generation Life.
Coming FY27 – FY28
More than products. A whole support system
CFS Retirement Advantage™ is backed by established programs, long-standing partners and specialist teams – spanning product development, technical strategy and in-practice implementation. It’s all delivered across the two platforms you already use – CFS Edge and FirstChoice – so the full suite, and the support behind it, works wherever you advise.
Three levels of support
FirstTech
Technical strategy and support you know and trust, for the hardest retirement, tax and Age Pension questions.
10x
A dedicated business support stream supporting practice growth, client engagement and business development, with retirement-focused education continuing to evolve.
Specialist partners
Challenger, Generation Life, BlackRock and others, co-developing solutions for advisers and their clients, from the ground up.
Adviser resources
Access practical retirement resources designed to help you understand our retirement solutions, identify opportunities for clients and support implementation conversations.
Retirement Income Optimiser
Learn how the Retirement Income Optimiser works, who it may suit and how it can help create a pathway to future retirement income solutions.
Pension Bonus Playbook
Practical guidance on identifying suitable clients, introducing Pension Bonus into retirement conversations and supporting implementation.
Client resources
Retirement Income Optimiser flyer
Help clients understand how Retirement Income Optimiser works, what Innovative Retirement Income Streams are and the role they can play in a retirement strategy.
Latest retirement news
For you and your people to stay informed.
Pension Bonus webinar: What advisers need to know
Introducing Retirement Income Optimiser: A webinar for advisers
The mental load of retirement is not evenly experienced
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Get in touch
For adviser services contact us 8:30am - 6pm (Sydney time) Monday to Friday.
FirstTech: 9am - 5:30pm Monday to Friday.
¹ Available when clients moves from an eligible FirstChoice super (including FirstChoice Employer and FirstChoice Wholesale Personal Super) to a FirstChoice Wholesale Pension.
Adviser Use Only
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee and issuer of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the issuer and Investor Directed Portfolio Services (IDPS) operator and administrator of investment products.
Information on this webpage is current requirements and laws as at 25/05/2026. While all care has been taken in preparing the information contained on this webpage (using reliable and accurate sources), to the extent permitted by law, no one including AIL and CFSIL, nor any related parties, their employees or directors, accept responsibility for loss suffered by anyone from reliance on this information. Information on this webpage provides general information for the adviser only and is not to be handed to any investor. It doesn‘t take into account anyone’s individual objectives, financial situation, needs or tax circumstances. You should read the relevant Product Disclosure Statement (PDS), Investor Directed Portfolio Service Guide (IDPS Guide) and Financial Services Guide (FSG) before making any recommendations to a client. The PDS, IDPS Guide and FSGs can be obtained via cfs.com.au/cfsedge or by calling us on 1300 769 619.