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Preparing for an Appointment

At your first visit, your FMD Financial Planner will take down details of your financial situation. Your FMD Financial Planner 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.

 

Things to think about before you meet with a FMD Financial Planner:

  • 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 Financial Planner 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 

 

What should I take with me?

To make the most of your visit to a FMD Financial Planner, you can prepare and take some things with you.

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.