When you get financial advice through your super fund, it's different to seeing an external financial adviser in two main ways:
1. Content: We can only give you advice about making the most of your super with us, any insurance on your account, and using our retirement income products. An external financial adviser can give you advice about your entire financial situation, including any debts like a home loan, and investments outside of super.
2. Cost: Getting advice about your super account with Australian Retirement Trust is included as part of your membership, so the cost is just the usual administration fee on your account. Seeing an external financial adviser may come with a cost, which your adviser can tell you about.