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I doubt it would vary much from one industry fund to another. Just a suggestion though, can you please stop calling these people 'union fund advisers'. A more appropriate term is 'sales people' or 'retention officers'. Industry super funds have zero interest in financial advice. These people are merely a tool to stop outflows. Just like all the other tools they use, like expiring authorities from independent advisers, preventing members from paying for advice from their super using an adviser outside the fund, hiding withdrawal forms from their websites, lobbying the Government for higher levels of red-tape for independent advisers and less for their own sales people etc. etc.