At every gathering of 40 to 50-something professionals, the financial discussion may be similar. Debts are reducing, investments are more meaningful, careers are strong and super balances are growing. Now is time to make the most of your money to live the lifestyle you dream about.
These are questions we help hundreds of clients answer every year. Our six pillars of advice will uncover your best financial future.
Career success or transition, a growing family or changing lifestyle priorities are great opportunities to review your financial goals with an expert.
Superannuation is one of the best vehicles for growing wealth in a tax effective manner. We can help you actively grow and maximise your super.
Knowing what you spend and what you can save or invest is the key to building long-term sustainable wealth as early as possible.
Over a lifetime, income is your greatest asset and the fuel for your financial goals. We'll ensure your wealth is protected from the unexpected.
Balancing assets and debt can help you succeed and our institution-grade investment capability, with $1 billion of funds under advice, will help you build wealth faster.
Creating a Will or Estate Plan is daunting, but essential for peace of mind. We'll help you have the difficult conversations and get it done.
We want you to experience the confidence that comes from seeking professional financial and investment advice. So we're committed to being open and transparent about our fees and what you can expect from our advice process.
Face to face or via a Skype call if you’re not nearby or pressed for time. Assess your situation against the six pillars with a qualified FMD adviser
Key advisers are Certified Financial Planners (CFP) and FPA practising members.
NO CHARGE - This one's at our expense, so put us to the test and be sure our adviser is right for you.
Receive a personalised Statement of Advice detailing your current position and the recommended strategies for achieving your goals whatever they may be.
Outsourcing financial management gives you hours of life back and avoids costly mistakes.
Typically $1,500 - $5,000 depending on the complexity of your situation and work involved.
Once you accept our recommendations we’ll set-up the agreed strategies* on your behalf and meet regularly to review your circumstances.
Having a financial plan brings a great sense of peace and control
Breathe easy knowing your FMD adviser will be with you every step of the way as life, financial markets and legislation changes.
An FMD adviser is like a coach, managing change and keeping you on track.
Typically 1% of assets under management (negotiable over $3M) with a minimum fee of $2,000 pa.
* Note: Depending on the plan we recommend, you may choose to take up additional products and service like insurance, SMSF administration or investment administration platforms. Any associated fees will be fully disclosed by your adviser in the statement of advice you receive in Step 2.
We were referred to David Batchelor by a friend when we needed advice on investing the proceeds of a property sale. David and his associate adviser, Sandra, were able to give us strong investment advice and implement it quickly and efficiently. Since then, the communication has been excellent and we always know where things stand. My wife and I now enjoy the security of knowing our money has been invested wisely and ethically. We appreciate the regular portfolio reviews undertaken by the FMD Investment Committee and are confident our money is being well managed. We’d certainly recommend FMD to others looking for sound financial advice.
Anna was unbelievable in helping us navigate a stressful year in the transition to retirement from our own business. In the end, we got a great outcome and we’re eternally grateful for her help. Both Anna and Martin are always there to listen and over the years their advice has been spot on. Now we can relax knowing we’ll have the money we need in retirement. FMD make the financial side of life easy and we trust them implicitly.
Mum went downhill after Dad died and eventually we decided a care facility was best for her now she is in her late eighties. Mum and Dad’s investments with FMD enable her to be in a place she loves and their support has been invaluable. We had to move quickly to secure a place, so Anna modeled three financial options for us. Her knowledge of the process and paperwork was a huge relief when we had very little time and felt pressured to make a decision. I have great confidence in Anna’s judgement and knowledge of the Aged Care sector and I know I don’t have to worry as FMD have it covered.
I first met David Batchelor when I took a voluntary redundancy five years ago. David helped me move from a defined benefit scheme into a super accumulation fund and plot a path to early retirement. It was refreshing to meet a professional and knowledgeable adviser who was more interested in my needs than their own. Under David’s guidance I now have more money than when I started investing with FMD Financial, even though I’m drawing a comfortable monthly income stream. Life is short and I’m enjoying the retirement lifestyle I want with the confidence my money will last for the long haul. I've met other FMD clients at their regular events and no-one has a bad word to say about them. I'd certainly recommend David and the team to anyone facing redundancy and looking for expert financial advice.
I was a couple of years away from retiring when my job in the IT industry was made redundant. I was uncertain about the future and knew I had to be careful with my money. Seeing Jason Calleja at FMD Financial cleared the fog. He showed me how to use my payout, super and other assets to create an income that would give me the lifestyle I wanted in retirement. Now I'm busy doing the things I love - volunteering, travelling and spending time with family and friends.
I'd recommend FMD to anyone looking for advice on redundancy or retirement.
I interviewed three different Financial advisers and found the most comfort with FMD. Michael, my adviser, opened my eyes to the potential of my retirement wealth giving me excellent direction as to what I need to consider in the future. Now I have a legal will, adequate insurance protection, a shares portfolio along with a far more lucrative superannuation fund building my future.
Jason Calleja was a source of great comfort as he provided us with all the information we needed to ensure a smooth transition for Dee's mum. He explained the legislation, prepared financial spreadsheets with projected multi-year income and costs, arranged tours of aged care facilities; liaised with Centrelink. Jason continues to be responsive to our ad hoc questions. We have no hesitation in recommending FMD's services when families face these challenging and emotional decisions. Having access to their knowledge of the system and financial modelling enables the family to focus on the wellbeing of the parent.
My introduction to FMD 10 years ago facilitated an unexpected life change - to my delight, retirement was a possibility far earlier than expected. The strong relationship built to support my wealth management has given me peace of mind, removed work stress from the equation and contributed greatly to my happiness. I love my life and truly enjoy every day - I don't know how I ever had time for work!
I have been working with FMD Financial for the past five years. They are professional and knowledgeable and they’ve helped me make the most of my money. Lauren Abela is my trusted financial adviser and has been able to help me develop a portfolio of investments that supports the needs of my growing family and my future wealth.
FMD Financial were recommended to me 13 years ago when I became concerned my previous company was not looking after my needs; and tended to chase quick profits which often became exactly the reverse. David Batchelor has been my Funds Adviser since and has delivered great service and communication while operating with integrity. He is backed up by a company structure that includes an active internal Investment Committee (IC) that constantly reviews their overall investment structure including detailed research of individual investment targets. I am totally satisfied with their service and their motto ‘Health, Wealth and Happiness’ has made a very positive impact on my life in retirement.
We're looking forward to meeting you and helping you achieve your financial goals.
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