Financial advice

Financial planning is the process of creating a structured approach to managing your money and planning for your future. It goes beyond superannuation, covering areas such as budgeting, investments, retirement strategies, and broader financial decisions.

While superannuation can form part of financial planning, the scope is much wider, helping you align your financial resources with your life goals.

At NGS, financial planning advice is delivered by qualified planners who can guide you through tailored financial planning services. Learn more about what to expect from financial planning or meet our financial planners.

Superannuation advice in Australia typically refers to helping you understand and manage your super. At NGS, this advice on superannuation is part of a broader offering that ranges from straightforward guidance to more tailored support.

Our Foundations service provides simple super help, delivered by trained Super Specialists, while Essentials and Essentials Plus offers more personalised super advice provided by qualified financial advisers. This superannuation financial advice is provided in a transparent way, ensuring you get clear guidance. Learn more about how super works.

There are many benefits of financial planning, such as it can help you gain clarity, confidence, and control over your financial future. By aligning your money with your goals, financial planning services support long-term planning and decision-making.

Whether it’s preparing for retirement or managing investments, financial advice can help you feel more secure about your financial journey. Learn more about the value of advice.

At NGS, some superannuation advice is complimentary, while more complete and comprehensive services and financial planning advice may involve a cost. The level of support you need determines whether advice is included at no cost or offered as part of a paid tier. For example, Foundations and Essentials are complimentary for members, while Essentials Plus and Platinum provide more detailed support at a cost.

All financial advice is provided with a focus on transparency, ensuring clarity and confidence for members across Australia.

NGS Super offers four tiers of financial advice – different types depending on your goals and needs. These include:

• Foundations for guidance on your super account
• Essentials for personalised financial advice on your superannuation account
• Essentials Plus for broader financial advice services on your superannuation account and retirement planning
• Platinum for more complete and comprehensive financial planning advice covering your entire needs

Each tier provides a different level of support, ensuring you can access advice that matches your stage of life, financial complexity, and evolving long-term aspirations for security and growth.

Choosing the right financial planning services depends on your personal circumstances. Consider the complexity of your financial needs, your stage of life, and the level of financial planning help you need. For example, someone approaching retirement may need more detailed financial planning help than someone just starting out.

Speaking with an NGS Super Specialist can help you identify the most suitable type of advice. You can also explore options such as transition to retirement to ensure your advice matches your goals. All financial advice is provided with a focus on transparency, ensuring clarity and confidence for members across Australia.

An NGS Super Specialist provides general information and advice on your superannuation account only. Their role is to help you understand your super, allowing you to make informed choices, and manage your account effectively.

Unlike Financial Planners who deliver Platinum-level services, NGS Super Specialists focus solely on helping our members understand their superannuation account. They are appropriately trained and communicate in an easy-to-understand language. This ensures members understand the options available to them to make appropriate decisions for their situation. Learn more about super with our education resources.