*Rethinking Retirement Report, CFS, 2025, Page 3.
Guidance Consultants (General advice): Avanteos Investments Limited (AIL) (ABN 20 096 259 979, Australian Financial Services Licence (AFSL) 245531) and Colonial First State Investments Limited (CFSIL) (ABN 98 002 348 352, AFSL 232486). AIL and CFSIL are subsidiaries of Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (CFS). AIL and CFSIL are responsible for any general advice that either provides. AIL and CFSIL do not provide personal advice.
*Digital Advice: Otivo Pty Ltd (Otivo) (ABN 47 602 457 732 AFSL 485665) provides web-based digital advice on selected topics to members of FirstChoice Employer Super, FirstChoice Wholesale Personal Super or FirstChoice Wholesale Pension. Otivo is a financial advice company that holds its own AFSL and is licensed to provide personal advice. This advice is provided under Otivo’s AFSL and not by AIL. Otivo is not part of the CFS group of companies. Otivo is responsible for any advice obtained through the Otivo platform. If you receive an advice service through Otivo, they will provide you with a copy of their Financial Services Guide (FSG).
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.
Comprehensive Advice: Comprehensive advice is provided under the AFSL of your chosen financial adviser. If you locate an adviser on the CFS ‘find an adviser’ tool on our website, search results will only show financial advisers who have an agreement to distribute our products. CFS cannot endorse advisers on this list, so it's important you take the time to assess which adviser is best for you. To search for additional advisers, please refer to the ASIC MoneySmart website.
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. 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.
