Types of advice

Financial advice can generally be classified into two types: general advice and personal advice.
No matter how simple or complex the advice you need, we’re here to help you.

General financial advice

General financial advice refers to general information about or features of a financial product or service. The reason why it’s called ‘general’ is because this type of advice doesn’t take into account your own needs, situation or objectives.

The information you receive when you call the Member Services team or attend a seminar is considered general financial advice.

Member Services

Provide general information regarding:

  • your super and benefits in the Fund
  • your investment options
  • your insurance options; and
  • the Fund's products and services,

Our Member Services team can help you with any general questions and are just a (toll free) phone call away on 1800 757 607 during business hours.


Provide educational information to help you make informed decisions about your super or pension. Our educational seminars are held regularly around Australia and cover a wide range of topics, including:

  • strategies to boost your super
  • learning about the risk/return profile of investment options
  • planning for your retirement
  • learning about super laws and changes that may impact your super.
Click here to learn more about seminars.

Personal financial advice

Personal financial advice refers to detailed advice that takes into account your needs, personal circumstances and objectives.

It starts with a clear understanding of your financial position and personal goals, to compare your current financial situation to where you need to be to achieve your goals. Personal financial advice would identify any gaps and recommend strategies to help you meet your financial goals.

You can receive simple, one-off personal advice (for example, how to boost your super or strategies for investing your super or pension) or broader, more comprehensive personal advice that sets out a tailored plan for you and covers investments, contribution strategies, insurance, retirement planning and taxation strategies, to name a few).

Members can also receive limited advice about investments and salary sacrifice strategies over the phone at no cost. This means that you can ask a financial planner about your investment strategy and/or salary sacrifice contribution strategy, and you’ll receive personal advice that takes into account your relevant circumstances. Call 1800 757 607 to speak with a financial planner.

Personal advice can only be given by a person who’s licensed to do so – all of Maritime Super’s financial planners are highly experienced and are authorised to provide advice under an MFS Australian Financial Services Licence (AFSL No 241735) and are registered as Tax (financial) Advisers.