Overview
Strategy Types in AdviserLogic Digital Advice
AdviserLogic’s Digital Advice module offers a robust set of strategy types that streamline advice creation and help you deliver highly tailored, professional guidance to your clients.
Whether you're preparing a Statement of Advice (SoA) or a Record of Advice (RoA), you can choose from a wide range of strategy categories designed to suit every client’s financial goals and life stage.
This article breaks down each available strategy by Type and Style —Advice Flow or Custom Strategy—and explores how you can combine them to efficiently build high-quality, compliant documents across key advice areas:
👉 Available Strategy Types
AdviserLogic offers strategy templates across the following key advice areas:
Superannuation
SMSF
Insurance
Investments
Debt Management
Estate Planning
Aged Care
Centrelink and Government Benefits
Each strategy includes clearly structured recommendations, calculation-driven workflows (where applicable), and ready-to-edit templates to reduce drafting time.
Use these strategy types individually or combine them to build comprehensive, client-centric advice documents—all within the AdviserLogic Digital Advice experience.
Strategy Styles
AdviserLogic’s Digital Advice module offers two flexible strategy styles—Advice Flow and Custom Strategy—allowing you to tailor advice based on your client’s individual needs and your preferred workflow.
💡 Each strategy is presented with clear icons on the strategy selection screen so you can easily identify Advice Flow or Custom Strategy formats.
 | Advice Flow Strategies are represented by an illustrated icon |
 | Custom Strategies are marked with a dollar sign icon |
Both approaches help you generate high-quality advice efficiently:
➤ Advice Flow Strategies
Use Fact Find data to guide you through a step-by-step workflow, including calculations and integrated tools like research comparisons.
➤ Custom Strategies
Provide a flexible, editable text-based template, allowing you to personalise recommendations with external calculations or supporting advice.
👉 Use the icon indicators to choose the strategy type that best suits your advice style and client goals.
Strategies Cheat Sheet
🟦 Superannuation Strategies
Superannuation strategies help clients optimise their retirement savings through contributions, rollovers, withdrawals, and income streams.
AdviserLogic offers both guided workflows and custom templates to suit a wide range of superannuation advice scenarios.
➤ Advice Flow
Strategy Name - SoA/RoA Availability | Actions Available | Use For |
 SUPER ROLLOVER SoA only |
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 INCOME STREAMS SoA only |
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 SUPER CONTRIBUTION Soa & RoA |
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 REBALANCE PORTFOLIO SoA & RoA |
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 SUPER WITHDRAWAL SoA & RoA |
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 SUPER RE-CONTRIBUTION SoA only |
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➤ Custom
Strategy Name | Recommendation | Use For |
 SUPER SPLITTING SoA only | Allocate super contributions between spouses | Spouse contribution planning |
 WIND UP YOUR SMSF SoA only | Close SMSF and transfer assets | SMSF closure and transition |
 ADJUST YOUR PENSION INCOME SoA only | Update pension payment settings | Adjusting income based on retirement needs |
 TRANSITION TO RETIREMENT PENSION(TTR) SoA only | Commence a TTR pension | Semi-retirement income planning |
 ESTABLISH AN ANNUITY SoA only | Establish a lifetime or fixed-term annuity | Guaranteed income solutions |
 RETIREMENT PLANNING SoA only | Build and manage retirement savings plan | Comprehensive retirement advice |
 DOWNSIZER CONTRIBUTION SoA only | Contribute proceeds from home sale | Boosting super for retirees over 55 |
 ROLL PENSION BACK TO SUPER SoA only | Revert pension assets back to accumulation | Reallocation before retirement |
 INVEST IN SMA (SUPER) SoA only | Research and recommend SMA within Super | Model SMA strategies inside Super |
 ESTABLISH AN MDA SoA only | Research and recommend MDA within Super | Use MDA to manage super assets |
 UPDATE PENSION PAYMENT RoA only | Recommend updating pension payment amount or frequency based on the client’s income needs or minimum requirements. | Ensure compliance with pension rules and align income with retirement lifestyle or legislative changes. |
👉 Custom Strategies are pre-built templates containing prefilled text tailored to a specific recommendation. Unlike calculated strategies, they do not perform data-driven calculations.
These templates are designed to streamline the advice process by significantly reducing the time and effort required for drafting. With contextually relevant content already in place, you can focus on refining the language to suit your client’s situation—eliminating the need to start from scratch and saving valuable time.
🟨 SMSF Strategies
SMSF strategies are designed to support the establishment, investment management, and administration of Self-Managed Super Funds.
These strategies cover both technical compliance and practical implementation, giving you the flexibility to tailor SMSF advice with ease.
➤ Advice Flow
SMSF Strategy | Actions Available | Use For |
 ESTABLISH SMSF SoA only |
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 SMSF PLATFORM SWITCH SoA only |
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➤ Custom
Strategy Name | Recommendation | Use For |
 ESTABLISH SMSF INVESTMENT SoA only |
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 BUY INVESTMENT PROPERTY FOR SMSF SoA only |
| Clients seeking property-backed SMSF investments |
 LRBA SMSF SoA only |
| Property purchases with borrowed funds in SMSF |
 TRUSTEE STRUCTURE - INDIVIDUAL SoA only |
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 TRUSTEE STRUCTURE - CORPORATE SoA only |
| SMSFs seeking limited liability or easier succession planning |
 REVIEWING YOUR INVESTMENT STRATEGY SoA only |
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 USING AN ADMINISTRATION SERVICE SoA only |
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 ESTABLISH A WORKING CASH ACCOUNT SoA only |
| Cash flow management in SMSF |
 ESTABLISH AN OFFSET ACCOUNT SoA only |
| Reducing interest on SMSF borrowings |
 SMSF INVEST IN DIRECT SHARES SoA only |
| Direct equity exposure in SMSF |
 SMSF INVESTING IN AN SMA SoA only |
| Professional management with transparency |
 SMSF ESTABLISHING AN MDA SoA only |
| Active management within SMSF |
👉 Custom Strategies are pre-built templates containing prefilled text tailored to a specific recommendation. Unlike calculated strategies, they do not perform data-driven calculations.
These templates are designed to streamline the advice process by significantly reducing the time and effort required for drafting. With contextually relevant content already in place, you can focus on refining the language to suit your client’s situation—eliminating the need to start from scratch and saving valuable time.
🟩 Investment Strategies
Investment strategies support client portfolio construction, asset allocation, and investment product recommendations.
Whether it’s using structured workflows for rebalancing or custom templates for gearing and managed solutions, these tools help you deliver aligned, goal-focused investment advice.
➤ Advice Flow
Strategy Name | Actions Available | Use For |
 ADD/SWITCH PLATFORM SoA only |
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 REBALANCE PORTFOLIO SoA & RoA |
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 BUY INVESTMENT PROPERTY SoA only |
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 SELL INVESTMENT PROPERTY SoA only |
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 CASH-OUT TERM DEPOSIT SoA only |
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 INVEST IN TERM DEPOSIT SoA only |
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 BUY/SELL INVESTMENTS SoA & RoA | This button will not use the Investment research tool. |
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➤ Custom
Investment Strategy | Recommendation | Use For |
 SET UP AN OFFSET ACCOUNT SoA only | Recommend linking an offset account to reduce home loan interest. | Reduce loan interest, improve cashflow efficiency. |
DEBT CONSOLIDATION SoA only | Recommend consolidating multiple debts into one facility. | Simplify repayments and reduce total interest costs. |
INVEST IN MORTGAGE FUND SoA only | Recommend investing in mortgage-backed funds for income. | Income-seeking investment, diversify portfolio. |
GEARING USING HOME EQUITY SoA only | Recommend borrowing against home equity to invest. | Leverage strategy for capital growth-focused clients. |
MAKE REGULAR INVESTMENTS SoA only | Recommend setting up regular contributions into investments. | Set-and-forget investment strategy for long-term goals. |
USE INVESTMENT PLATFORM SoA only | Recommend centralising investments via a platform. | Efficient investment management across multiple products. |
INVEST IN A FUNERAL BOND SoA only | Recommend investing in a bond to cover funeral expenses. | End-of-life planning, estate simplification. |
MAINTAIN/ESTABLISH CASH RESERVE SoA only | Recommend maintaining or setting up an emergency fund. | Provide cash buffer for emergencies or planned expenses. |
INVEST IN DIRECT SHARES SoA only | Recommend purchasing listed shares for growth or income. | Direct equity exposure, capital growth strategy. |
TAX EFFECTIVE INSURANCE BOND SoA only | Recommend using an insurance bond for long-term tax-effective investing. | Tax-effective investing outside super for medium-long term goals. |
BORROW TO INVEST SoA only | Recommend using a margin loan or investment loan to invest. | Enhance returns with leverage; suitable for experienced investors. |
BUDGETING - ADJUST YOUR CASHFLOW SoA only | Recommend adjusting discretionary or essential spending. | Improve financial discipline and goal setting. |
SALARY PACKAGING SoA only | Recommend salary packaging options (e.g. novated lease, super). | Boost take-home pay and reduce taxable income. |
ESTABLISH MDA SoA only | Recommend setting up a Managed Discretionary Account. | Hands-off investing with professional manager discretion. |
INVEST IN AN SMA SoA only | Recommend investing in a Separately Managed Account. | Tailored model-based investment approach with platform access. |
BUY A NEW PRINCIPAL RESIDENCE SoA only | Recommend purchasing a new principal home. | Home upgrade, relocation or change in living needs. |
DOWNSIZING PRINCIPAL RESIDENCE SoA only | Recommend selling the family home and buying a smaller property. | Free up capital, fund retirement or aged care. |
👉 Custom Strategies are pre-built templates containing prefilled text tailored to a specific recommendation. Unlike calculated strategies, they do not perform data-driven calculations.
These templates are designed to streamline the advice process by significantly reducing the time and effort required for drafting. With contextually relevant content already in place, you can focus on refining the language to suit your client’s situation—eliminating the need to start from scratch and saving valuable time.
🟥 Insurance Strategies
Insurance strategies assist you in assessing client protection needs and recommending cover such as Life, TPD, Trauma, and Income Protection. Use Advice Flow strategies to generate recommendations with research tools, or customise policy-based advice through flexible templates.
➤ Advice Flow
Insurance Strategy | Available Actions | Use For |
 BUY NEW INSURANCE SoA only | Recommend new insurance policies |
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 BUY & REPLACE SoA only | Research and recommend a new insurance policy to replace the existing policy. |
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 RETAIN EXISTING INSURANCE SoA & RoA | Recommend client keeps existing policy |
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➤ Custom
Strategy Name | Recommendation | Use To |
 CHILDRENS COVER SoA only | Add children's insurance cover as part of the family's protection plan. | Protect children against critical illness or accidental injury. |
KEY PERSON (REVENUE PROTECTION) SoA only | Recommend a revenue protection policy to safeguard against the loss of a key income-generating staff member. | Protect business revenue streams following the loss of a key employee. |
KEY PERSON (CAPITAL PROTECTION) SoA only | Recommend a capital protection policy to ensure business continuity after the loss of a key stakeholder. | Protect the business’s capital value and ownership structure. |
CANCEL EXISTING POLICY SoA only | Cancel an existing policy that no longer meets the client's needs or overlaps with other coverage. | Remove redundant or unnecessary policies from the client's portfolio. |
GENERAL INSURANCE SoA only | Advise the client to review or obtain appropriate general insurance to protect against property or liability risks. | Ensure appropriate cover for property, vehicles, or business liabilities. |
👉 Custom Strategies are pre-built templates containing prefilled text tailored to a specific recommendation. Unlike calculated strategies, they do not perform data-driven calculations.
These templates are designed to streamline the advice process by significantly reducing the time and effort required for drafting. With contextually relevant content already in place, you can focus on refining the language to suit your client’s situation—eliminating the need to start from scratch and saving valuable time.
🟫 Debt Management Strategies
Debt strategies allow you to model repayments, restructure liabilities, or recommend offset accounts and redraws. These tools are ideal for improving client cash flow, simplifying repayments, and aligning debt structures with broader financial goals.
➤ Advice Flow
Strategy Name | Actions Available | Use For |
 REDUCE NON-DEDUCTIBLE DEBT SoA & RoA | Recommend using available funds to pay down personal or home loans that are not tax-deductible. | Improve cashflow and reduce interest on non-tax-deductible liabilities. |
REDUCE DEBT SoA & RoA | Suggest debt reduction strategies such as:
| Lower overall debt levels and simplify financial obligations. |
REDRAW DEBT SoA & RoA | Advise on redrawing from existing loans where suitable for funding investments or expenses. | Access available loan funds for investment or large expenses while managing repayments. |
⬛Estate Planning Strategies
Estate and business planning strategies ensure clients’ wishes are carried out and succession plans are in place. These templates allow you to recommend updates to wills, nominate beneficiaries, or create long-term continuity plans for business owners.
➤ Custom
Strategy Name | Recommendation | Use To |
 ESTATE PLANNING SoA only | Encourage the client to establish or update their estate plan, including wills and powers of attorney. | Ensure assets are distributed according to the client's wishes and reduce complexity for dependants. |
 NOMINATE BENEFICIARIES SoA only | Advise the client to nominate or review beneficiaries on their superannuation and insurance policies. | Direct benefits appropriately in the event of death and avoid delays in distribution. |
 BUSINESS PLANNING SoA only | Recommend developing or reviewing a business succession or continuity plan aligned with financial goals. | Support long-term business stability and succession planning for business owners. |
👉 Custom Strategies are pre-built templates containing prefilled text tailored to a specific recommendation. Unlike calculated strategies, they do not perform data-driven calculations.
These templates are designed to streamline the advice process by significantly reducing the time and effort required for drafting. With contextually relevant content already in place, you can focus on refining the language to suit your client’s situation—eliminating the need to start from scratch and saving valuable time.
🟪 Aged Care Strategies
Aged care strategies support clients transitioning into residential or home-based care. Whether it’s structuring funding via RAD/DAP or recommending home care services, these strategies help you deliver sensitive and effective aged care advice.
➤ Custom
Strategy Name | Recommendation | Use To |
 AGED CARE PARTIAL RAD DAP SoA only | Recommend paying for accommodation using a combination of Refundable Accommodation Deposit (RAD) and Daily Accommodation Payment (DAP). | Provide flexible funding for aged care accommodation to suit the client's asset and income position. |
AGED CARE RENT HOME SoA only | Recommend retaining and renting out the former home to generate income and support aged care costs. | Generate ongoing income while maintaining property ownership for future planning or estate considerations. |
AGED CARE HOME CARE SoA only | Recommend accessing government-subsidised home care services to support independent living at home. | Support ageing in place through personalised in-home care services, delaying or avoiding residential care. |
👉 Custom Strategies are pre-built templates containing prefilled text tailored to a specific recommendation. Unlike calculated strategies, they do not perform data-driven calculations.
These templates are designed to streamline the advice process by significantly reducing the time and effort required for drafting. With contextually relevant content already in place, you can focus on refining the language to suit your client’s situation—eliminating the need to start from scratch and saving valuable time.
🟫 Centrelink & Social Security Strategies
Social Security strategies assist clients in accessing government support such as Age Pension, JobSeeker, DVA, or Disability Support. These strategies also include tools to maximise eligibility, manage gifting, and apply for key benefits like the Commonwealth Seniors Health Card.
➤ Custom
Strategy Name | Recommendation | Use To |
 JOBSEEKER PAYMENT SoA only | Recommend applying for the JobSeeker Payment for clients experiencing unemployment or reduced income. | Provide income support during periods of unemployment or underemployment. |
 DVA PENSION SoA only | Assist eligible veterans in applying for or maximising their Department of Veterans Affairs (DVA) Pension entitlements. | Ensure veterans receive full access to entitlements for income support and healthcare. |
 DISABILITY SUPPORT PENSION SoA only | Recommend applying for the Disability Support Pension for clients with qualifying medical conditions or disabilities. | Support clients with permanent disabilities in accessing government financial assistance. |
 CENTRELINK AGE PENSION SoA only | Recommend applying for the Centrelink Age Pension, considering income and asset eligibility tests. | Assist eligible retirees in securing consistent retirement income from Centrelink. |
 MAXIMISING CENTRELINK THROUGH GIFTING SoA only | Recommend strategic gifting to reduce assessable assets and potentially increase Centrelink entitlements. | Improve pension eligibility and payments by reducing countable assets. |
 APPLY FOR THE COMMONWEALTH SENIORS CARD SoA only | Recommend applying for the Commonwealth Seniors Health Card to access benefits despite not qualifying for the Age Pension. | Support self-funded retirees with access to government health and concession benefits. |
👉 Custom Strategies are pre-built templates containing prefilled text tailored to a specific recommendation. Unlike calculated strategies, they do not perform data-driven calculations.
These templates are designed to streamline the advice process by significantly reducing the time and effort required for drafting. With contextually relevant content already in place, you can focus on refining the language to suit your client’s situation—eliminating the need to start from scratch and saving valuable time.
No Change
Strategy Name | Recommendation | Use For |
 NO CHANGE RoA only | Confirm that the existing pension strategy remains appropriate and no changes are required at this time. | Document review outcomes when no updates to pension structure, amount, or frequency are needed. |