Financial Advice

You should generally consider speaking with a BT Adviser when your life or financial situation changes significantly. For example, you may consider speaking with a BT Adviser when you:

• Want to buy a property or pay off your home loan
• Have equity in your property that you would like to invest
• Change jobs or are made redundant
• Receive an inheritance
• Are approaching retirement
• Have just retired
• Are looking to grow an investment portfolio
• Are starting up or running a business.

Talk to one of our BT Advisers, so they can help keep your plan on track as your life changes.

Your financial plan should help you build the future you want for yourself and your family. This may include:

General advice

General advice can help you with a range of topics, including investments, insurance and super. But it doesn’t take into account your personal situation, objectives and needs.

Personal advice on specific needs

Personal advice provides you with specific recommendations on insurance, superannuation or investments that are tailored to your situation.

Personal advice that looks at your full picture

Personal advice is for anyone who is seeking guidance on aspects of their personal situation, objectives and needs.

Speak to us over the phone, via video or in person to discuss what type of advice you’d like to receive.

When you meet with a BT Financial Adviser, they will work through a four-step process.

Step 1 - Initial meeting

Before we can help, we need to understand you, your money and your goals
for the future. Likewise, you want to know who we are, what we stand for,
and what we can offer.

We will meet with you to get an understanding of your circumstances and goals, including:

• What's important to you and your loved ones
• Your current situation and your most urgent needs
• What you would like to achieve in the future
• Your investment experience and attitude towards risk
• Anyone else who needs to be considered when creating your plan, e.g. family members, business partners etc.

Step 2 - Bringing your plan to life

We'll explore your options, and develop a practical and appropriate strategy for achieving your short and long term goals. We'll then walk you through your plan, and answer any questions you may have.

Step 3 - Putting your plan into action

Once you're happy with our advice, we'll get the ball rolling by implementing our recommendations.

Step 4 - Keeping you on track

We can help you stay focused on your goals and keep your plan on track as your life changes.

What do I bring to the meeting? 

When you meet with a BT Financial Adviser, you'll get the most out of the meeting if you bring details of your:

• Super and investment statements
• Tax returns
• Your income and expenses
• Insurance policies
• Bank statements
• Loan and credit card statements

Working with a financial adviser doesn't mean you hand over control. You'll always have the freedom to make decisions that you feel most comfortable with. But you’ll also have someone who can keep you on track as your life changes.

BT has been helping Australians prepare for the best since 1969. Today BT works with thousands of customers to find superannuation, investment and insurance solutions to suit their personal needs and goals. BT is also a specialist in financial advice.

BT seeks to help our customers become better investors and works with them by offering guidance and tips to help them take the financial steps they need to achieve their personal and lifestyle goals.

BT is part of BT Financial Group, the wealth management arm of The Westpac Group.