Financial Advice
November 21 2024
Our responsibility to you
ESSSuper Financial Advisers will provide advice that is in your best interests. Our Financial Advisers are authorised representatives of Link Advice and will only recommend products after considering the suitability to your personal financial situation and needs.
Take control of your financial future
Speak to someone today to find out if a Financial Adviser can assist you.
Contact us
Planning for your future can be a daunting task. The decisions you make today can have a lasting impact on the life you live in retirement, which is why it is important to consider personal financial advice.
Sometimes you need more than just information. Sometimes you need someone to consider your personal financial circumstances and needs, rather than just letting you know what your options are. Sometimes, you need an expert to plan the best way for you to achieve your financial goals.
Because we care about you and your future, we offer a financial planning service1. Our qualified Financial Advisers not only understand the unique complexities of your ESSSuper funds, but are also able to advise on more than just your super.
For general advice or information, you can always talk to one of our Member Education Consultants. But for those times where you need a tailored plan that's in your best interest, our Financial Advisers are here for you.
What can our Financial Advisers provide?
Your first appointment is obligation free, and held at no additional cost to you (as an ESSSuper member). This appointment will be used to understand your personal objectives, financial situation and needs, and to determine if this level of assistance is right for you.
A comprehensive tailored financial plan
A qualified Financial Adviser can work with you to develop a tailored plan to help you reach your retirement goals.
It's also important to consider seeking financial advice if you:
- Are planning to leave work
- Are facing redundancy
- Are considering a change in career
- Want to move to part time work, or
- Receive a lump sum of money and need to make an investment decision.
Limited (scaled) financial advice
If you would like advice about a particular topic, we can provide that for you.
Specific topics you might want advice on include:
- Choosing an investment option
- Making contributions to super, including salary sacrifice
- Retirement needs
- Consolidation of super
- Insurance
- Working income streams, including transition to retirement
This advice will be provided in a Statement of Advice.
Fees and charges
We provide general advice and information to hundreds of ESSSuper members every day. If you would like general information, or if you would like to enquire about an appointment with a Member Education Consultant, please contact us.
Our comprehensive financial plans are charged at an hourly rate of $330.00. The cost of a plan ranges from $2,640 to $5,940 depending on the complexity of the plan. In exceptional circumstances this cost may be higher.
For specific, single-topic financial advice, plans are charged at an hourly rate of $330.00 and the cost of a plan ranges from $1,980 to $2,640 depending on the advice topics. All pricing includes GST.
Before choosing to proceed with financial advice, you will be provided with a quote at the conclusion of your first appointment.
Where the advice relates exclusively to your super account with ESSSuper, members with an ESSSuper Accumulation Plan, Income Stream or Beneficiary Account may choose to deduct a component of the fees for this advice from their account. Any fees associated with personal advice that is not directly related to your super will need to be paid by you.
Meet our Financial Advisers
Philip Elmslie is an experienced financial services professional. Joining ESSSuper in 2019 with almost 20 years industry experience and more than 14 years as a Financial Adviser, Philip is a strong advocate for the value of Financial Advice.
Drawing on expertise gained across a broad range of advice needs, having worked in both boutique advice firms and superannuation, Philip is passionate about supporting the Member Advice Team to deliver high quality, personalised advice and strategies to our members.
Professional advice from a qualified adviser can help you navigate the complexities of superannuation and your overall finances, providing peace of mind and confidence about achieving your long-term goals.
Qualifications:
- Member of the Financial Advice Association of Australia (FAAA)
- Master of Financial Services
- Advanced Diploma of Financial Services
Kazim Akdag is a Financial Adviser who has worked in the Financial Services industry since 2018 across a number of roles.
As a Financial Adviser, Kazim is focused on ensuring that he has a clear understanding of his client's current situation and future goals. This provides the foundation for developing and recommending appropriate strategies that will assist his clients in achieving their financial goals.
Qualifications:
- Bachelor of Business (Financial Planning)
Harry Atamian has 25 years' experience in the financial services industry and has been a practising Financial Adviser for the last 21 years. He has been working for ESSSuper for the past 6 years with previous positions held mainly in the government sector along with banking and private sectors.
Harry provides comprehensive financial advice relating to retirement planning, superannuation, wealth creation and Centrelink, and is committed to providing high quality service to his clients.
Qualifications:
- Bachelor of Finance
- Advanced Diploma of Financial Planning
- Member of the Financial Advice Association of Australia (FAAA)
Jay Chid has over 20 years' experience in the financial services industry, including more than ten years providing expert advice on Defined Benefit schemes. Jay is passionate about helping members in meeting their retirement goals. This includes making complex techniques easier for clients to understand and allowing them to make informed decisions. Jay believes strongly in the value of advice and the benefits it can provide to our members.
Jay also believes that assessing a client's situation on a regular basis is an important part of the financial planning process. This ensures that a client's financial situation can be managed if personal, legislative and economic circumstances change.
Qualifications:
- Master of Financial Planning
- Graduate Diploma in Financial Planning
- Bachelor of Commerce (Accounting)
- Member of the Financial Advice Association of Australia
Chris joined ESSSuper in 2018 and has worked across a number of roles within the organisation and developed an expert understanding of the defined benefit schemes.
As a Financial Adviser, Chris is passionate about empowering our members to make informed financial decisions and to guide them towards achieving their financial goals.
Qualifications:
- Graduate Diploma of Financial Planning
- Bachelor of Commerce
Andrew Morgan has over 20 years' experience in the financial services industry; beginning his career in corporate superannuation followed by a move into financial planning.
Andrew has a comprehensive knowledge of superannuation legislation and defined benefit schemes. He has worked for both large organisations and boutique financial planning firms over the years, which has allowed him to build and broaden his knowledge as he continues to assist people with their financial needs. Andrew is keen to ensure he delivers his advice in an easy-to-understand manner that assists clients to make informed decisions about their financial future.
Andrew has advised a wide variety of clients on many matters including strategies around superannuation and retirement planning, risk management and wealth creation.
Andrew is a Certified Financial Planner® (CFP) and member of the Financial Advice Association Australia (FAAA).
Qualifications:
- Certified Financial Planner® (CFP)
- Member of the Financial Advice Association Australia (FAAA)
- Advanced Diploma of Financial Services
Manoj Sharma is a Certified Financial Planner with over 12 years' experience in the Financial Planning industry. He is passionate about helping his clients achieve their individual financial goals no matter what stage of life they are in.
Manoj aims to maintain ongoing relationships with his clients to support them throughout life's journey and provide them with peace of mind and confidence that they are on track to achieve their own goals.
Qualifications:
- Certified Financial Planner® (CFP)
- Member of the Financial Advice Association Australia (FAAA)
- Master of Finance
- Master of Accounting
- Graduate Diploma of Financial Planning
Download the Financial Services Guide (FSG)
ESSSuper and Link Advice Financial Services Guide (FSG) (PDF 121.8KB)