Financial advice for the cost of a phone call

Provided by Mercer. The information in this article does not necessarily reflect the views of the Trustee.

Did you know that, as a Lutheran Super member, you can obtain limited personal financial advice, free of charge, over the phone? Getting advice from an expert can make a big difference when you need to make important decisions.

You can speak to a licensed financial adviser simply by calling the Lutheran Super Helpline
on 1800 635 796. And, other than the cost of a phone call, there is no cost to you for the advice. You don't need to be close to retiring or over a certain age to benefit from financial advice.

People of all ages can take advantage of advice about strategies that will help to make the most of their super. Starting early can make a real difference.

Financial advice can play an important part in helping you to achieve the level of super savings you may need to afford the sort of retirement you dream of.

The financial adviser can help you to understand your choices when it comes to your super. They can provide advice about super contributions and whether it may be more beneficial to make them from before or after-tax salary, or even both if it means that you might qualify for a co-contribution payment. Every little bit more in your super account helps.

By understanding your personal situation and your financial objectives, the financial adviser can provide advice about the type of investment that might suit you based on your investment profile and may be suited to your financial goals. Or you might want advice about how much insurance cover you may need. Or you might be looking to gain guidance about retiring and planning for that time.

If you're provided with financial advice, you'll receive a Statement of advice confirming the advice in writing.

This information has been prepared by Mercer Outsourcing (Australia) Pty Ltd (MOAPL) ABN 83 068 908 912, Australian Financial Services Licence #411980. 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, consider the Product Disclosure Statement for any product you are considering, and 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 2012 Mercer LLC. All rights reserved.

LCA Nominees Pty Ltd ABN 61 008 204 939 AFS Licence #240571, as Trustee for Lutheran Super ABN 93 371 348 387.

This website is provided by Mercer Outsourcing (Australia) Pty Ltd (MOAPL) ABN 83 068 908 912, Australian Financial Services Licence #411980. The Trustee pays a fee for the provision of this service, however this fee is not conditional on you using this service or acting on the information or advice provided through this service.