Personalised advice from a qualified CFS adviser on your super at no extra cost
Get the most out of your super
Get tailored advice on your FirstChoice super account at no extra cost to eligible members. Start with a quick digital fact find, then meet one-on-one with an experienced adviser to discuss your super needs. If you already have a financial adviser, please contact them for assistance.
How super advice can help
Super advice can help you identify opportunities to make the most of your retirement savings.
Investment choice
Get advice on the right investment mix to help you achieve your retirement goals.
Contribution strategies
Understand the different contribution types and get advice on what's right for you.
Personalised advice
Advice that fits your life, and tailored to your life stage, goals and financial journey.
Not sure where to start? Complete the super health check to see how your super is tracking and uncover areas for improvement.
What to expect
Super advice is all about helping you make the most of your super to shape a stronger financial future. Whether you're looking to grow your retirement savings, optimise your investment strategy or make smarter contribution decisions, our qualified financial advisers can identify opportunities that align with your goals and provide personalised advice focused on key areas of your CFS super account.
Getting started is simple. We'll begin with a quick digital fact find to understand your goals and financial situation. A CFS financial adviser will then review your options and provide tailoredrecommendations. As a CFS member, this service is available at no extra cost.
Simple steps to get super advice
Complete the digital fact find
Log in to your online account using this link and underneath the ‘Super health check and super advice’ heading select ‘Get started'. Complete the investments choice or contributions module at your own pace.
Meet with one of our advisers
Once you’ve completed the fact find, you'll book in for a consultation with a Colonial First State adviser who will provide tailored recommendations.
Decide if you want to proceed
If you’d like to go ahead with the recommended advice, our financial adviser will help you take any required actions.
Meet the team
Peter Pallis
- Financial adviser
Peter Pallis
- Financial adviser
Location: Melbourne
Years of experience: 10
Language spoken: English & Macedonian
Qualifications: Master of Financial Planning (2025)
I have over 25 years of experience in financial services and have been a Financial Adviser since 2016. I'm passionate about helping people achieve greater financial security through practical, easy-to-understand advice tailored to their unique circumstances, simplifying complex concepts so members can make informed decisions with confidence.
I want members to feel understood, informed and confident about their financial future — my goal is for every conversation to provide clarity, direction and reassurance, wherever they are on their journey. I became a financial adviser because I genuinely enjoy helping people improve their financial wellbeing. Seeing the positive impact that sound financial decisions can have on individuals and their families motivated me to pursue a career where I could help people achieve their goals and build a more secure future.
Joel Gleeson
- Financial adviser
Joel Gleeson
- Financial adviser
Location: Melbourne
Years of experience: 3
Language spoken: English
Qualifications: Bbus (Ec&Fin) (App) (2018), GradDipFinPlan (2022)
I have worked in financial services for 8 years and spent 3 years as a Financial Adviser, working with a wide range of people at various stages of life. This experience has empowered me to provide meaningful and valuable advice regardless of your personal or financial situation.
I want members to be informed and to feel confident in their financial direction — so much of financial advice is about understanding the benefits and trade-offs of decisions, and when people are informed, they inevitably feel more comfortable about what their financial future holds. I've always had an interest in economics and finance and how they impact the decisions people make. Above all, I love educating people about their finances and giving advice that makes a meaningful difference.
Huyam Hamid
- Financial adviser
Huyam Hamid
- Financial adviser
Location: Melbourne
Years of experience: 5
Language spoken: English & Arabic
Qualifications: BBus (Accountancy) (2015), GradDipFinPlan (2024)
With over five years of experience across accounting, insurance, superannuation and financial planning, I'm passionate about empowering clients through financial education and tailored advice. My goal is to help clients make informed decisions and build confidence in achieving their financial goals. I want members to feel informed, supported and confident in their financial direction — through clear education and personalised guidance.
I help members understand their options and the potential trade-offs of their decisions, giving them greater certainty about their future. I've always been passionate about financial literacy and empowering people through education. Before becoming a financial adviser, I ran financial literacy workshops for women, helping them build confidence in managing their finances. Seeing the positive impact of that guidance inspired me to pursue a career in financial planning, where I can continue helping people make informed decisions and achieve their goals.
Frequently asked questions
Super advice is simple, personal guidance about your existing super account provided by your super fund. It’s designed to help you make informed decisions about your super on topics such as investment choice and contributions. Unlike comprehensive advice, super advice is a one-off service focused on specific aspects of your super.
Desktop users: Once you log on to your account, navigate to the top of your screen and select ‘Advice’. From here you will select ‘Get started’ and then choose a Super Advice module.
Mobile app users: Once you log on to the mobile app, tap ‘MyCFS’ in the bottom of your screen, then ‘Financial advice'. From here you will select ‘Get started’ and then choose a Super Advice module.
There’s no extra cost to access super advice. It’s included as part of your membership with the FirstChoice fund and funded by the trustee. That means you won’t be charged a separate fee for receiving advice, making it an affordable way to get help with your super.
If your needs go beyond super advice, your adviser can refer you to another advice service within Colonial First State, such as one-off or comprehensive advice.
Disclaimer
Super Advice by CFS Advice Services: AIL has appointed CFS Advice Services Pty Ltd ABN 52 682 119 651, AFSL 564571 (CFSAS) to provide one-off limited personal advice on specified topics to members of FirstChoice Superannuation Trust who access the Super Advice service. AIL and CFSAS are both members of the Colonial First State group of companies. CFSAS holds a financial services licence to provide personal financial product advice, and its financial advisers act under this licence when providing advice services to members. CFSAS is responsible for financial advice provided to you under the Super Advice service. Before you receive a financial service from CFSAS, you should read the Financial Services Guide (FSG) issued by CFSAS. The cost of providing the Super Advice service is collectively charged to all members of the Fund and is incorporated in the fees and costs shown in the PDS.
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.