Let’s start with who you are.
We do three quite different things for three quite different people. Choose your path and we’ll leave out everything that isn’t yours.
I’m a super fund or AFS licensee
Member advice at scale — licensing, advisers, compliance and paraplanning, run on AdviceGuide AI.
Explore licensee services 02 Authorised representativesI’m a financial planner
Come under our licence and run your practice on technology built for automation from the start.
Explore joining us 03 Guideway WealthI’m looking for advice
Retirement, super and defined benefit advice — plus insurance, wealth and mortgage advice.
Explore advice for youWho we are
Guideway is an Australian financial advice group. We sit in Melbourne, at 91 William Street, and we work with people right across the country by video and phone. Guideway Financial Services Pty Ltd holds Australian Financial Services Licence and Australian Credit Licence 420367.
We are not owned by a bank, a super fund or an insurer, and we do not manufacture a single financial product.
Three groups of people deal with us, and they want quite different things — which is why the top of this page asks you to choose before we start talking.
Advice for you, through Guideway Wealth
If you are weighing up when to retire, what to do with a defined benefit, whether your super still stacks up, or how to make the last few working years count, that is Guideway Wealth. We know the schemes most advisers rarely see — PSS, CSS, MilitarySuper, ESSSuper, GESB and the rest — alongside the big industry funds most Australians are in. We advise on personal insurance, investments outside super, and home and investment lending as well.
The first conversation costs nothing and runs about half an hour. If we can help, we will tell you what the work involves and what it costs before you agree to anything. If we cannot, we will say that too, in the first half hour, rather than three meetings later. See how the advice process works.
Advice services for super funds and financial planners
The other two parts of the group are business-to-business. For superannuation funds and AFS licensees, we build and run member advice — a contact centre, advisers under your brand or ours, licensing, paraplanning and compliance, sitting on our own advice technology, AdviceGuide AI. Funds take the whole thing or one piece of it.
For financial planners and mortgage brokers, we are the licensee. You keep your clients, your brand, your fee model and your advice philosophy; we carry the licence obligations, the compliance, the paraplanning and the software. Because 420367 is both an AFS and a credit licence, a practice writing advice and mortgages does not need two arrangements.
Common questions
Is the first conversation really free?
Yes. It runs about half an hour, there is no fee for it, and there is nothing to sign at the end of it. If personal advice follows, you get the scope and a fixed fee in writing, and no advice work starts until you have accepted it.
Where is Guideway, and do I have to come to Melbourne?
Our office is at Level 3, 91 William Street, Melbourne VIC 3000, and you are welcome in it. Most people do not come. We meet by video or phone with clients everywhere from regional Victoria to the Territory, and it works perfectly well for this kind of advice. Meeting a financial adviser in Melbourne.
Who is Guideway licensed by?
Guideway Financial Services Pty Ltd, ABN 46 156 498 538, holds Australian Financial Services Licence and Australian Credit Licence 420367 in its own right — it is not authorised under someone else's licence. Guideway Wealth Pty Ltd is a corporate authorised representative under it, number 422674, as are the financial planners who license with us. Ask us for a Financial Services Guide at any time, or read the Guideway Wealth one now.
Do you specialise in anything in particular?
Defined benefit and government schemes, and retirement generally. These schemes run on formulas rather than balances, several are closed, and some of their elections cannot be undone once made — a CSS member has a dated 54/11 window, a UniSuper member has a two-year door into and out of the Defined Benefit Division. That is unusual work and we do a lot of it. What a defined benefit is, and the decisions it forces.
Will you tell me to move my super?
Only if moving it is genuinely better for you, and often it is not. We start from the fund you are already in. If you are not sure it still stacks up, we can benchmark it against five leading comparable funds so you can see where it actually sits. Sometimes the useful advice is to change one setting inside the account you already have, and sometimes it is to leave it alone.
How do I get in touch?
Call 1300 138 138, email advice@guideway.com.au, or pick a time through the contact page. Tell us roughly what you would like to talk about and we will make sure it reaches the right part of the group.