Superannuation financial advice

As a Mercer Super member, you can access limited financial advice to help you achieve your financial goals at no extra cost.

One size doesn’t fit all: The power of financial advice

Everyone’s situation and objectives are different and there’s no ‘one-size fits all’ strategy when it comes to financial advice.

Research indicates that people who seek financial advice can be better off than those who go it alone1 , Mercer Financial Advice offers access to a number of services so that you can develop a plan that helps you achieve your goals. These services include:

Member educational webinars

Retirement Income Simulator

e-Advice

Personal and general advice from our phone advisers

Comprehensive tailored financial advice

Member educational webinars

As a Mercer Super Trust member you have access to an ongoing series of educational webinars that can be viewed anytime.

These webinars are designed to help you understand how to get the most from your super.

Some of the previous topics include:

  • Super 101
  • How to set your super up for success
  • Preparing for retirement
  • Ready to retire
  • Managing debt
  • Mercer’s investment philosophy
  • Women and super

To register for future sessions, or to watch recordings of previous webinars, simply visit our financial advice webinar page.

Retirement Income Simulator

The Mercer Retirement Income Simulator (RIS) is designed to help you understand what your retirement income could look like, how long it might last and the impact of adding a little extra over the long term.

The RIS is able to do this by taking into account factors such as your current super balance, age, gender and salary. It also allows you to adjust future super contributions, potential investment returns, age of retirement and income per year in retirement to showcase a host of various possible scenarios - all within a few minutes.

e-Advice

e-Advice is a unique online personal advice tool created by the Mercer Financial Advice team and is available to Mercer Super members at no additional cost. 

Quick and easy to access, you can get personal advice on which of our many investment options best align with your specific risk profile, ensuring you have peace of mind as you plan your retirement.

You can complete the process in less than 10 minutes; after which you’ll receive a Statement of Advice with easy to follow steps to help you achieve your goals.

You can access e-Advice on the Advice Tools page on Member Online. 

Financial advice about your super

As a Mercer Super Trust member you also have access to our Helpline Advice team who are trained and certified to provide you with personal financial advice about maximising your Mercer Super fund to achieve your retirement goals.

This is an over the phone service provided at no additional cost.

They can discuss and assist you with strategies such as:

  • Growing your Mercer Super through contribution strategies best suited for your situation
  • Insurance needs for you
  • Investment options within Mercer Super that are tailored to your investment approach and time frame
  • Retirement income strategies such as starting a TTR or an allocated pension from your Mercer Super Trust account
  • General advice on the Age Pension

This service is a benefit of being a Mercer Super member.

All our phone advisers are qualified financial planners with a wealth of experience in supporting our members. In the phone meeting, your adviser will seek to understand your goals and your current situation. Based on this, they will develop a financial plan that is specifically designed to help you achieve your agreed financial goals.

These conversations can be of great benefit, with 92% of members who use this service surveyed reporting they received good advice.2

To request an appointment with a phone adviser, you can call our Helpline anytime between 8am – 7pm (AEST/AEDT), Monday - Friday on 1800 682 525 or complete the call back form.

Comprehensive tailored financial advice

If you live in Australia and would like holistic financial advice tailored to your specific circumstances and financial objectives, you have access to a Mercer Financial Adviser.

This is a fee-based service which will allow your adviser, and their support team, to work closely with you to unpack and understand every aspect of your financial situation, as well as identify and prioritise your medium and longer term financial objectives.

By gaining a holistic understanding of your situation and objectives, your adviser can work directly with you, to help set specific financial goals and create a plan to help you achieve them. The plan will account for your income, every day spending and expenses, superannuation, tax requirements and your desired income in retirement - all while helping to maximise your savings and minimise your tax. 

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  • How can a Mercer Financial Adviser help?

    Our licensed and highly skilled financial advisers, and the teams that support them, have significant experience in the areas of wealth accumulation, investments, insurance, super contributions and retirement strategies.

    Your adviser will initially meet with you, to understand your situation and goals, before recommending strategies specifically designed to help you achieve your agreed financial goals.

  • When to seek comprehensive tailored financial advice?

    Comprehensive advice is suited to anyone who is ready to review their financial situation holistically.

    The advice you receive takes into account your complete financial situation including any investments, assets, personal insurances you may have outside of super.  Your financial plan can include strategies to maximise your investment outcomes, your tax benefits and your Government entitlements, to help ensure you can live the lifestyle you desire in retirement.

    Our advisers can work with you to tailor and implement a financial plan that creates a brighter future for you and your loved ones.

    Many people seek financial advice as a result of a significant life event, such as:

    • Changing jobs
    • Buying a home
    • Creating a business
    • Planning for retirement
    • Receiving an inheritance
    • Health emergency

     

    All of these life events present potential opportunities and challenges.

    Seeking financial advice can help to ensure you maximise opportunities and help navigate these life events.

    You can call our Helpline Advice team on 1800 682 525, or complete the call back form.

    Following this conversation they can determine whether simple no-cost advice, provided as part of your membership is sufficient, or if comprehensive tailored financial advice is appropriate.

  • What is the cost of comprehensive tailored financial advice?

    Everyone’s situation is different, so the cost of preparing and implementing comprehensive financial advice will vary depending on the complexity of the advice required.

    Before proceeding with any advice your Mercer Financial Adviser will assess your specific advice needs as well as explain the fee associated with the development of the advice and, if required, to implement the recommended strategies. If you choose not to proceed with the advice provided you will not be charged any fees.

    If you choose to proceed, you will be provided a clear and transparent explanation of all charges and how they can be paid. You can choose to pay your fee directly, or from your super.

  • Can you get comprehensive tailored advice outside of Mercer?

    We have full confidence in the Mercer Financial Advice team, however we understand you may wish to seek advice from a financial adviser outside of Mercer.

    If you’d prefer to seek advice from an external adviser we recommend searching online to find one that meets your needs, or seek recommendations from friends and family who have used an adviser in the past.

1. Rice Warner's 'Future of Advice' report.

2. Mercer Financial Advice Customer Sentiment Program (January 2022).

Disclaimer: This document has been prepared and sent on behalf of Mercer Superannuation (Australia) Limited (‘Mercer Super’), ABN 79 004 717 533, Australian Financial Services Licence #235906, the trustee of the Mercer Super Trust ABN 19 905 422 981. Any advice contained in this document is of a general nature only, and does not take into account the personal needs and circumstances of any particular individual. Prior to acting on any information contained in this document, you need to take into account your own financial circumstances. Please consider the Product Disclosure Statement, Product Guide, Insurance Guide, and Financial Services Guide before making a decision about the product, or seek professional advice from a licensed, or appropriately authorised financial adviser if you are unsure of what action to take. 'MERCER' is a registered trademark of Mercer (Australia) Pty Ltd ABN 32 005 315 917. Copyright 2022 Mercer LLC. All rights reserved.