You will make all kinds of financial choices throughout your life, like managing your day-to-day spending, paying down debts or saving for the future. 


A financial adviser can support and guide you through those decisions, working closely with you to develop a tailored strategy based on your individual financial needs and goals.


They’ll review your total financial situation and help you understand what you want to achieve – setting clear financial and lifestyle goals.


As you move through life, your circumstances will change, but a financial adviser will help you review your goals and stay on track to meet them.


Because they have in-depth knowledge of super, retirement products, investments and insurance, they can also match you with the right solutions for your needs.


Financial advice is not just about money – it’s about enhancing your financial wellbeing.


Financial wellbeing can be defined as: 

  • The confidence and security that comes from being able to meet your expenses.
  • Feeling financially secure and in control.
  • Having money left over after meeting your obligations to do or buy things that make you happy.
  • Being able to save and invest for the future. 

Depending on your circumstances, achieving financial wellbeing takes some time and effort, especially if you’re experiencing financial stress.


Financial stress can affect your health, your relationships and finding a solution on your own might become difficult.


Ongoing financial advice can help you find the solutions you need to improve and maintain your financial wellbeing for the rest of your life.

What's next?

Why might I need financial advice?

Why might I need financial advice?

You may put off thinking about your finances, but doing this could have a lasting impact on your financial future.

Five signs you may need a financial adviser

Five signs you may need a financial adviser


Financial advice isn't just for the wealthy or those close to retirement. 

Is financial advice worth the cost?

Is financial advice worth the cost?

Take some time to weigh up the costs with the benefits of financial advice before you make a choice.

What are the different types of advice on offer?

What are the different types of advice on offer?

If you want help with one specific issue or your overall financial situation, you can choose a type of advice that suits your goals.

When should I see an adviser?

When should I see an adviser?

Whether you’re just getting started in life or thinking about retirement, a financial adviser can help you work toward your goals.

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Get in touch

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Things you should know

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 which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (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 or by calling us on 13 13 36.