There’s no substitute for good advice when you’re planning for retirement
When you’re planning for retirement, there’s a lot to think about. You may choose to seek professional advice to understand all your options and make an informed decision.
Affordable and accessible advice
Mercer Super members have access to a range of different advice and options, from online tools to comprehensive financial advice.
Digital advice
Online tools and advice available 24/7, at no extra cost. Find out which investment options are right for you, how long your super might last in retirement and discover strategies to help grow your super. Learn more
Simple Super Guidance
Get limited advice on your Mercer Super account from a qualified financial adviser at no extra cost. Learn about making extra contributions, insurance within your super fund, estate planning within your super, how much you’re on track to retire with and more. Learn more
Retirement Navigator
Feel more confident about the future with personalised limited advice from a qualified financial adviser on a range of retirement topics related to your Mercer Super account, at no additional cost. Learn how to prepare for retirement, what you can do to boost your super and more. Learn more
Beyond Super financial advice
For a full picture of your financial position, you need to look beyond super. For a fee, you can get tailored advice from a Mercer financial adviser on a range of financial topics, from single life events - like planning for retirement or estate panning - to ongoing comprehensive advice designed to keep your financial life on track. Learn more
How to prepare for an advice conversation
You can get more out of a meeting with your financial adviser if you are prepared. The more information you can provide up front, the more time they can spend answering your questions, offering advice, and helping you achieve your financial goals.
Five questions to ask yourself before your appointment:
What are your fixed expenses & what do you need to live on?
Our Retirement budget template can help identify your essential costs.
When are you looking to retire?
Retirement strategies can take time to show results, so it helps to have a clear timeframe in mind.
What’s your current financial position?
What is your super balance, are you making any additional contributions and do you have any insurance through your super?
What level of risk are you comfortable with?
Do you want to accept a slightly higher level of risk in return for higher growth potential or do you prefer a more conservative approach?
What type of lifestyle do you want in retirement?
Spend a little time thinking about what’s important to you and how you want to spend your time in retirement.
Additional resources
Beyond Super adviser appointment checklist
Download our checklist of what to bring to your adviser appointment
Retirement lifestyle checklist
Our retirement lifestyle checklist can help you identify your needs and priorities
Retirement budget template
Download our budget template and use it to work out your ongoing income and expenses
Planning ahead is about more than just money
Planning for retirement is far more than a financial process – it’s a physical and emotional one too. As a Mercer Super member you can access personalised aged care advice and support for you or a loved one, through Care & Living with Mercer.
From home care to retirement living, residential aged care and end of life preparation, we can help you make better, faster decisions about your future health, care and living needs.
Ready to thrive in retirement?
The right advice at the right time can give you the confidence to take control of your finances. Mercer Super members have access to range of accessibility and affordable advice options.
Explore more: it’s your time to plan
Disclaimer: This content has been prepared on behalf of Mercer Superannuation (Australia) Limited ABN 79 004 717 533, Australian Financial Services Licence #235906, the trustee of the Mercer Super Trust (‘Mercer Super’) ABN 19 905 422 981. Any advice is of a general nature and does not take into account your objectives, financial situation or needs. Before acting on any advice, please consider the Product Disclosure Statement (including incorporated documents) and Financial Services Guide available at mercersuper.com.au. The product Target Market Determination can be found at mercersuper.com.au/tmd. The material contained in this document is based on information received in good faith from sources within the market and on our understanding of legislation which we believe to be accurate.
Care & Living with Mercer is a service provided by Mercer Consulting (Australia) Pty Ltd ABN 55 153 168 140. Please read Care & Living with Mercer website Terms of Use when accessing the service.
* Any information in this material regarding legal, accounting or tax outcomes does not constitute legal advice or an accounting or tax opinion and prior to relying and acting on this information it is important that you seek independent advice from a qualified lawyer or accountant regarding this information. Past performance is not a reliable indicator of future performance. 'MERCER' is a registered trademark of Mercer (Australia) Pty Ltd ABN 32 005 315 917.
Past performance is not a reliable indicator of future performance. 'MERCER' is a registered trademark of Mercer (Australia) Pty Ltd ABN 32 005 315 917.