Blog

Before paying an adviser, know what's free: Centrelink's Financial Information Service for retirement and money decisions, intra-fund advice already included in your super fees, and financial counselling via 1800 007 007 when debt bites. What each genuinely covers — and the line where paid, personal advice earns its fee.

Five practical checks worth making before you engage any financial adviser — from verifying their licence to getting your Statement of Advice in writing.

You've probably heard a "general advice warning" without registering what it means legally — here's the difference between general and personal advice in Australia, and why it changes what protections you have.

Superannuation is often someone's largest asset outside the family home, yet few people get formal advice on it — here is what specialist super and retirement advice typically covers.

Three overlapping-sounding professions with genuinely different legal scopes — a plain-English guide to who is licensed to help with what in Australia.

AFSL, authorised representative, and the Financial Advisers Register explained — what to check before you engage anyone calling themselves a financial adviser in Australia.

A plain-English look at how Australian financial advisers are commonly paid — fee-for-service, ongoing fees and the now-limited role of commissions — so you know what to ask before you get a quote.