Insurance in super

NGS Financial Planners will always put your best interests first – they’re never paid commissions or bonuses and will only charge you where you’ve agreed in writing. As an NGS member, your first consultation is complimentary. All of our planners are Certified Financial Planners® – you can expect professional, trustworthy service and advice to suit your personal needs.

To ask a question or arrange an appointment, simply complete our Financial planning enquiry form or contact our team on 1300 133 177.

As an NGS member, your first consultation is complimentary. This appointment is all about us getting to know you – and you getting comfortable with the planner. If you choose to go ahead with obtaining personal advice, the cost of the advice will vary, depending on your situation and requirements.

You will receive our Financial Services Guide prior to the meeting, which tells you how, and how much, we charge for our services. All of our advice is provided on a fee-for-service basis, meaning there are no hidden costs. Your adviser will be able to give you a more precise costing once you’ve discussed your goals and needs.

Perhaps you would prefer to receive general advice or factual information. These can be provided to you free of cost.

If you are not sure what type of advice is best for you, chat to a team member on 1300 133 177 and they will help guide you to the right person.

Think of your initial meeting as the ‘kick-off’. It gives your planner the chance to get an idea of your current financial situation and what you’d like help with. We suggest you allow 1-1.5 hours for this meeting and bring along any relevant information (such as a payslip, outstanding loan amounts and assets you may own).

While you won’t receive any personal advice in this meeting, it doesn’t cost you anything. There’s also no obligation to continue through to receiving personal advice. If, however, you are keen to continue with the advice process, your planner will explain what they will consider and include in your advice. Your planner will provide you with a fee quote for the services (and you can choose to have this fee deducted from your super balance if the advice you receive is solely in relation to your super).

Then what?

Once you’ve agreed to receive personal advice, your planner will research and document their advice to you. This process usually takes 3-6 weeks, unless you need the advice urgently. Your planner will arrange a meeting with you to go through the advice together.

What do I get?

Personalised Financial Advice must be provided to you in writing. Your planner will set out their recommendations in a simple, logical Statement of Advice. This will outline key steps and, where relevant, will provide you with guidelines as to how your assets are likely to grow and/or how long your funds will last in retirement. Your planner will spend time with you to make sure you understand their recommendations. They can also help you put those plans in place.