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Calm Wealth

What is Financial Planning?

Credit Union SA is proud to offer you Calm Wealth.

We are proud to offer you the services of our financial planning partner Calm Wealth. A Calm Wealth financial adviser provides you with valuable assistance in planning for your future and managing your wealth. The benefits of financial advice are numerous and far greater than simply recommending where to invest.

Calm Wealth has been helping Australians reach their financial goals for over 30 years in Adelaide and is focussed on providing financial advice to the customer-owned banking sector including credit unions and mutual banks.

A Calm Wealth financial planner will develop a plan specifically for you - one that’s tailored to your needs and circumstances, to help you achieve your goals.

Calm Wealth


What is financial planning?

Financial planning is about helping you plan for a future lifestyle that is as good as it can possibly be. No matter your age, the advice of a professional financial planner is crucial in helping you achieve your financial goals by developing a strategy specifically for you.

A financial planner can help you:

  • define your financial and lifestyle goals
  • understand your current financial situation and personal circumstances to see what opportunities you have
  • build a financial plan with written, measurable outcomes
  • stay on track through ongoing progress reviews.

Areas a financial planner typically focuses on are:

  • making the most of your super
  • managing your money tax-effectively
  • selecting investments based on your risk profile
  • structuring your finances wisely, especially following a redundancy or after receiving an inheritance
  • planning for your transition to retirement
  • maximising your Centrelink benefits
  • ensuring you have appropriate personal insurance cover to protect your family
  • providing aged care advice for you or a loved one.

Getting the right advice

Contact us to arrange a free, no-obligation initial consultation with Calm Wealth.

Call us (08) 8202 7777

  • What is the fee to see a financial planner?

    This can vary depending on what you want guidance on, and the extent of your plan. For more information, please see our dedicated financial planning section. Contact us to arrange a free, no-obligation initial consultation with Calm Wealth.

    Call us (08) 8202 7777

  • Can Credit Union SA help me regarding wills and estates?

    Credit Union SA is proud to partner with local South Australian law firm Wallmans Lawyers to offer members a discounted offer for wills and estate planning services. Wallmans Lawyers have a dedicated estate planning section which assists clients with wills, Powers of Attorney and Advance Care Directives (previously known as Powers of Guardianship) as well as general succession planning, taxation and superannuation issues. It's just another way that Credit Union SA is helping our members to protect their assets.

    Find out more

  • Does Credit Union SA offer conveyancing services?

    Credit Union SA can refer you to two of the best conveyancers in the business - SAIT Conveyancers and Alexander - Botten & Associates. Both are highly experienced operators and provide a quality service we're proud to recommend. What's more, they offer Credit Union SA members:

    • Generous discounts on their fees;
    • Free advice on any real estate matter;
    • Convenient access in the Adelaide CBD

    Find out more

  • Where do I refer financial planning questions?

    We are proud to offer you the services of our financial planning partner Calm Wealth. A Calm Wealth financial adviser provides you with valuable assistance in planning for your future and managing your wealth. The benefits of financial advice are numerous and far greater than simply recommending where to invest.

    Calm Wealth has been helping Australians reach their financial goals for over 30 years in Adelaide and is focussed on providing financial advice to the customer-owned banking sector including credit unions and mutual banks.

    A Calm Wealth financial planner will develop a plan specifically for you - one that’s tailored to your needs and circumstances, to help you achieve your goals.

    Contact us to arrange a free, no-obligation initial consultation with Calm Wealth.

    Call us (08) 8202 7777

  • What is retirement planning?

    Retirement planning is the planning one does to be prepared for life after paid work ends, not just financially but in all aspects of life. The non-financial aspects may include lifestyle choices as how to spend time in retirement, where to live or when to completely quit working.

    Financial planners or advisers can help you develop retirement plans with the goal of achieve financial independence after paid work is complete. Credit Union SA works with Calm Wealth to deliver superior financial planning services. Calm Wealth has been helping Australians reach their financial goals for over 30 years in Adelaide and is focussed on providing financial advice to the customer-owned banking sector including credit unions and mutual banks.

    A Calm Wealth financial planner will develop a plan specifically for you - one that’s tailored to your needs and circumstances, to help you achieve your goals. Contact us to arrange a free, no-obligation initial consultation with Calm Wealth.

    Call us (08) 8202 7777

Offering the ability to earn higher returns without having to lock funds away while having no monthly account keeping or transaction fees*.

How we can help

Gain access to great member offers and discounts with our partner, Wallmans Lawyers.

Smart decisions here could make an enormous difference to your future income.

Take control and understand where and how your super is invested, because you do have a choice.

Deposit as little as $5,000 across a wide range of terms - from one month and up to five years.

The information on this page has been provided by Consultum Financial Advisers (Consultum) ABN 65 006 373 995, AFSL No 230323. It is general advice only and has been prepared without taking into account your particular objectives, financial situation and needs. Before making an investment decision based on this information, you should assess your own circumstances or consult a financial planner. Examples are illustrative only and are subject to the assumptions and qualifications disclosed.

Credit Union SA may refer members to Calm Wealth Management Pty Ltd ABN 85 645 323 913 and its financial advisers, who are authorised representatives of Consultum. Consultum is part of the IOOF Group. Credit Union SA does not accept liability or responsibility for any acts, omissions or advice provided by Consultum or its authorised representatives.

Credit Union SA receives up to $1,500 from Consultum when members are referred to and obtain financial advice from authorised representatives of Consultum.