Financial planning FAQs

Financial planning is all about preparing for your future. RACQ Financial Planning advisors are experts in developing strategies to help you protect your family; sort your super; boost your assets and investments; and plan for, and live comfortably, in retirement.

The path to financial freedom begins with a conversation. The first, obligation-free appointment is free-of-charge. To book, visit RACQ Financial Planning, drop into an RACQ Bank branch or call 13 1905.

Financial planning is all about helping you achieve your financial and lifestyle goals. By working with a specialist financial planner, you’ll be able to get a clear view of your current situation, develop unique goals you’d like to work towards, and then create a clear course of action that informs you of the steps you need to take in order to achieve those goals. 

RACQ Financial Planning does not manufacture or market its own products. We have access to a wide range of carefully researched solutions from across many providers. Our investment portfolios are designed via a robust centrally managed process; we aim to provide quality and consistency in pursuit of a better investment experience.

Existing solutions: We will assess whether your existing investments and structures are appropriate for you now and into the future. We are perfectly comfortable to leave your existing solutions in place where they meet your needs.

New solutions: We will let you know if we identify gaps in your current plan. Where adjustments are required we will assess whether it is appropriate to amend your existing solutions or implement new solutions aligned to your needs.

Just call us on 07 3842 6297 or enquire online and one of our team will be in contact with you to book an appointment. 

Alternatively, have a look at the Bank Branch Visit Program to find an advisor near you.

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Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

Mortgage Saver is only available for new lending to RACQ Bank. Customers with an existing home loan can switch to Mortgage Saver with a minimum $20,000 in additional new lending.

RACQ Bank provides customers with credit assistance in relation to the RACQ Bank Credit Card and also gives assistance to customers in relation to credit limit increases for the Card. RACQ Bank assists customers as part of our arrangements with the card issuer, Citigroup Pty Limited.

Fees and charges apply. Terms and conditions apply and are available at https://www.cardservicesdirect.com.au/cardservices/useful_forms.htm. Citigroup’s credit criteria apply. Current Card Services Credit Card holders are not eligible to apply for introductory offers. Offers are available to customers who submit their application by 31 January 2019 and may be extended.

The 0% p.a. promotional interest rate applies to balances transferred with this offer at the point of application, for a period of 14 months for the RACQ Platinum Rewards Credit Card and 12 months for the RACQ Low Rate Credit Card once the balance transfer is processed. At the end of the promotional period, any outstanding transferred balances will revert to the variable Annual Percentage Rate for cash advances, currently 21.74% p.a. Your total balance transfers with this offer may not exceed 80% of your credit limit.

Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 (Citi). Citi is the credit provider and issuer of RACQ Bank Credit Cards (Credit Cards). Members Banking Group Limited ABN 83 087 651 054 trading as RACQ Bank (RACQ Bank) promotes the Credit Cards, and assists cardholders, as Citi’s agent, under an agreement with Citigroup. RACQ Bank does not and will not guarantee or otherwise support Citi’s obligations under the contracts or agreements connected with the Credit Cards.