Expert advice on the financial topics that matter most to you, available to all CFS members
Expert advice for your next financial decision
Available to all CFS members, one-off financial advice offers an affordable and convenient way to get expert advice on specific financial topics, when the timing is right for you. Book an appointment with our guidance team, and they'll arrange a meeting with a qualified adviser.
What one-off financial advice can help with
One-off advice gives you expert guidance on a specific financial topic, when you need it. It focuses on a defined area of advice, such as investments, super, retirement, pensions, insurance or estate planning.
One-off advice may be suitable for you, if you’re:
- navigating a major life event, such as having a baby, receiving an inheritance, being made redundant or going through a divorce
- reviewing your super, savings or investments
- planning for retirement or optimising your pension strategy
- assessing your insurance needs
- looking for professional advice without an ongoing commitment
How one-off financial advice works
Here's what to expect after booking an appointment with our guidance team.
Prepare for your meeting
Our guidance team will contact you to arrange your complimentary discovery meeting at a time that suits you. Before the meeting, you'll complete a digital fact find so your adviser can better understand your needs and prepare for your meeting.
Your first meeting
Meet with a qualified adviser via video call to discuss your financial situation, goals and advice needs in more detail. Your adviser will explain how they can help and provide a fee proposal for you to consider. You can then decide whether you'd like to proceed.
Receive your advice
Your adviser will develop a strategy tailored to your needs and agreed scope of advice. Their recommendations will be documented in a Statement of Advice, which they'll present to you and explain the reasoning behind each recommendation.
Implement your plan
If you decide to proceed, your adviser will help put the recommendations into action. They'll manage the paperwork and coordinate with relevant providers on your behalf, making the process as simple and seamless as possible.
How much does one-off advice cost?
Your first discovery meeting is complimentary and comes with no obligation. If you choose to proceed, one-off advice fees range from $500 to $1,000 + GST per advice topic, with total fees capped at $3,000 + GST.
These fees relate to advice for an individual CFS member. You can also get one-off advice with your partner, even if they're not a CFS member, for an additional 50% of your advice fee.
Before any work begins, your adviser will clearly explain the costs, the scope of advice, and what you'll receive, so there are no surprises.
Everything starts with a good conversation
As part of our Ask an adviser series, Senior Financial Advisor at Viridian Advisory, Anuja Gupta, answers the question: What would you say to people who might be hesitant about getting advice?
Advice options for every stage of life.
Together in one place.
Frequently asked questions
CFS has appointed Viridian Advisory Pty Ltd (AFSL 476223) to provide one-off financial advice to our members. This arrangement helps to lower the cost of personal advice for our members, as you'll pay negotiated discount rates for only the advice topics you need.
No. One-off financial advice is designed for members who want expert advice on a specific topic without entering into an ongoing advice relationship. Any future reviews are up to you.
You can receive one-off advice across a broad range of topics including superannuation, account-based pensions, retirement income planning, investments, personal insurance, debt management, and estate planning. You choose the topics most relevant to your current circumstances, and the cost if your advice is based on the number of topics you choose.
One-off advice is not designed for complex advice needs. It does not cover advice on SMSFs, trusts, companies and margin lending. If your advice needs relate to these topics, you may want to consider comprehensive financial advice.
No. One-off advice is personal advice tailored to your individual circumstances, goals and financial situation. Your adviser develops recommendations based on the information you provide through the fact find and your discussions with them. General information is not personalised and doesn't take your individual circumstances into account.
Advice options for every stage of life
At CFS we believe financial advice can help more Australians feel confident about their future. That’s why we give our members choice and flexibility when it comes to how and when they access advice.
We're here to help
Get in touch
Get in touch with us online or call us 8:30am to 6pm (Sydney time) Monday to Friday.
Find the right advice option
Our dedicated team can help you choose from a range of different financial advice options.
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Disclaimer
One-off Advice: AIL and CFSIL have engaged Viridian Advisory Pty Ltd (Viridian Advisory) (ABN 34 605 438 042 AFSL 476223) to facilitate the provision of personal financial product advice under Viridian Advisory’s AFSL, as an agent of each of AIL and CFSIL. Viridian Advisory holds its own financial services licence and provides financial product advice under that licence. Viridian Advisory is not part of the CFS group of companies.
AIL and CFSIL advise that: any financial product advice you receive is provided by Viridian Advisory in its capacity as an agent of AIL or CFSIL, and not personally by AIL or CFSIL; Viridian Advisory is not an authorised representative of AIL or CFSIL under the AIL or CFSIL financial services licence; Viridian Advisory is only authorised by AIL and CFSIL to provide one-off or episodic financial product advice and not any other services; and AIL nor CFSIL does not stand behind or guarantee the capital value and/or performance of any investment you may make as a result of the advice you receive from Viridian Advisory. Any other services would be provided in Viridian Advisory’s personal capacity and not as AIL or CFSIL’s agent. If you receive an advice service through Viridian Advisory, they will provide you with a copy of their FSG.
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.
Information on this webpage is provided by AIL and CFSIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at https://www.cfs.com.au/tmd which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and FSG carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at www.cfs.com.au or by calling us on 13 13 36.