In your 20s

By getting started with advice as early as possible, you can develop good financial habits that ensure financial security and wellbeing throughout your life.


Even if you don't have a lot of extra income, a financial adviser can show you how to make the most of your money. By taking control of your cash flow and drawing up a budget, you can start your journey toward reaching your financial goals.


They’ll also help you set other goals – such as saving up for a house deposit – and create a plan to achieve them.


Some major life events that might trigger a change in your financial circumstances include:

  • having children
  • getting a new job or a promotion
  • saving for a specific goal
  • buying a house.

In your 30s and 40s

As you move through life, your lifestyle might significantly change – and so will your goals and priorities. At the same time, your professional responsibilities can mean there’s less time for managing your money.


A financial adviser can help you create a household budget, making it easier to keep up with your daily living expenses and pay down debts.


Alongside tailored strategies for boosting your super and building wealth through investing, a financial adviser can show you how to plan for your future.


They can also help with protecting your families' financial security by reviewing and updating your insurance cover.


While you can see a financial adviser at any time, here are some major life events that might trigger a change in your financial circumstances:

  • getting married or moving in with a partner
  • going through a divorce or relationship breakdown
  • receiving a bonus or inheritance
  • being made redundant.

In your 50s and 60s

When you’re winding down your working life, your focus naturally shifts towards your retirement.


A financial adviser can help you make the most of your income during those final years of employment. They’ll work with you to set goals for your retirement, such as travel plans, and figure out how much you’ll need for comfortable retirement lifestyle. Once you've reached retirement, they’ll devise a strategy to keep growing the wealth that you've worked hard to build.


Your financial adviser can tailor your retirement plan as your circumstances change, like emerging health needs. or estate planning, so your loved ones are always looked after.


While you can see a financial adviser at any time, here are some major life events that might trigger a change in your financial circumstances:

  • retiring or approaching retirement
  • seeking aged care options
  • significant illness or passing of a loved one
  • planning your estate.

Take a look at choosing the right adviser


Find out how much an adviser can cost

What's next


What should I bring to the first meeting?

Plan for a productive first meeting with your financial adviser.


What can I expect to happen?


While each financial adviser has their own process, this is generally what you can expect.

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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.