Preparing for an Appointment
What to expect when you visit a FMD Adviser
At your first visit, your FMD Adviser will take down details of your financial situation. Your FMD Adviser will ask a lot of questions so they understand your current financial situation. This information is used to help form a financial plan which can help you achieve your long and short-term goals.
To make the most of your visit to a FMD Adviser:
- You can prepare, by downloading and completing the following questionnaires, and either email them back to FMD Financial or bring them to your appointment.
Personal & Financial Questionnaire.doc Risk & Profile Questionnaire.doc Cash Flow Questionnaire.doc Things to think about before you meet with a FMD Adviser:
- Your lifestyle goals (short and long-term);
- The future you look forward to (your dreams and vision);
- Any life changing events that you are experiencing now (for example getting married, having children, buying a home or changing jobs);
- Any other financial matters that may be relevant.
The sorts of things a FMD Adviser will want to know are:
- Your age
- Your current and future income
- Any projected expenses
- Assets and liabilities
- Number of dependants
- Superannuation and insurance figures
- Any health or external issues that may impact upon your financials
To make the most of your visit to a FMD Adviser, you can prepare and take some things with you, please download and complete the following questionnairs and either email them back to FMD or bring them to your appointment.
Take along details of:
- Income – recent payslip, your last tax return, investment returns, pension payments, maintenance payments, rental property income
- Household expenses – rates, rent, home and contents insurance, utilities (water, electricity, telephone, gas)
- Car expenses – car loan repayments, insurance, servicing, fuel
- Personal expenses – gym membership, food, entertainment, clothing, travel, other living expenses
- Health – insurance, medical expenses, pharmaceutical
- Children – school fees, child care, other education expenses
- Assets – your home, investment property, savings, investment funds, shares, cars, boat, caravan
- Superannuation – your most recent statements, with details of balances, contributions and insurance
- Life insurance – details about your death, disability, income protection and trauma insurances not held within superannuation
- Loans – mortgages, credit cards
- Business interests and family trusts
This information has been prepared with the assistance of the Financial Planning Association of Australia (FPA). Hillross is a Principal Member of the FPA.