Our clients are hard-working professionals with serious careers, big passions and busy lives. They don’t have the time or interest to watch every market move or keep track of every intricate change in Superannuation, tax or investment legislation. Instead, they trust us to provide the insight to build a sustainable financial plan and grow their wealth as life changes.
Support to achieve your best financial future
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.
So, what's next?
Should you prioritise paying down debt or topping-up super?
How do ever-changing super rules impact your ongoing wealth strategy?
Is a Self-Managed Super Fund (SMSF) right for you?
How could you best utilise a windfall, like a redundancy payout, inheritance or the proceeds
of a business sale?
Maybe you're worried about what would happen to your family's lifestyle or the kids' education if you
got sick,
How to best support your ageing parents; or
Making those dreams of travelling when the kids leave home, a reality.
These are questions we help hundreds of clients answer every year. Our six pillars of advice will
uncover your best financial future.
Our six pillars of advice
Goal Setting
Career success or transition, a growing family or changing lifestyle priorities are great opportunities
to review your financial goals with an expert.
Superannuation
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.
Income & Budgeting
Knowing what you spend and what you can save or invest is the key to building long-term sustainable
wealth as early as possible.
Insurance
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.
Assets & Debt
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.
Your Financial Legacy
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.
A proven advice process and transparent fees
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.
Step 1. Understanding your needs
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.
Step 2. Developing a personal plan
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.
Step 3. Implementing your personal plan
Once you accept our recommendations we’ll set-up the agreed strategies* on your behalf and regularly keep you updated with our progress.
Having a financial plan brings a great sense of peace and control
NO CHARGE
Step 4. Ongoing advice service and portfolio management
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 a fixed fee based on the complexity of advice and service needs plus a portfolio management fee, with a minimum of $3,525 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 know from experience the benefits of our advice will far exceed our annual advice fee, because:
The personal financial plan we develop for you will save you more than 1% in time, energy, worry and paperwork.
The financial mistakes we will help you avoid will save you more than 1% per year
You’ll know first-hand the peace of mind that comes with having a plan to secure your financial future is worth 1%
I turned to Richard Dahl for advice about managing a small portfolio of shares when I was just 21 and working at Mitsubishi. When I got my first well-paid job at 23, I used his advice again to get serious about building my superannuation. My goal then was to retire at 50. I’m now 55 and semi-retired, set to retire fully next year. Richard’s advice has seen us through everything from paying off the house, to the kids’ education and making the most of a redundancy package. Our relationship with Richard has also helped cement our financial goals as a couple. The annual review meeting has kept us on track and it’s been great to see our savings and investment projections turn into reality over the years. After all the hard work and raising two independent daughters, we’ve gone full-circle and now it's time for us again.
Richard Dahl
Principal Financial Adviser and Chairman - FMD Investment Committee
Howard Kirsch
★★★★★
FMD’s advice and support was invaluable when retiring from corporate life overseas and returning to Australia. I needed advice on consolidating assets in multiple countries so I interviewed three advisory firms and was most impressed with FMD. After meeting to understand my needs, they committed to putting a detailed plan together in a few short days, and that’s exactly what they did. Many years later, Jason Calleja now works closely with me to manage my money in retirement. I’m very happy with their investment performance over the long haul, but it’s their commitment to their clients that’s truly outstanding.
Jason Calleja
Senior Financial Adviser
Megan and Andrew James
★★★★★
Megan and I sought advice about improving our superannuation and personal insurances in the lead-up to starting a family. Jason was amazing, taking us through our options and working with us to restructure our super investments and obtain affordable insurance with the desired level of cover. We would recommend Jason and the FMD team to anyone seeking financial advice. We look forward to working with him to shape our financial security in the future.
Jason Calleja
Senior Financial Adviser
Alison Palmer
★★★★★
After a successful career in pharmaceuticals, I took a redundancy package and was recommended to FMD Financial for investment advice. Like many people, I was sceptical about financial advisers after a bad past experience. Aaron’s considered approach and FMD’s robust investment process changed my mind and five years later FMD now manages our superannuation through their Active Management Service (AMS). One of the things I really like is that they follow a rigorous process and always give a clear and transparent rationale for every investment decision. My husband was even more sceptical than me, but now he sees the value of good advice. My redundancy package was the trigger to contact FMD, but I’ve since realised the benefit of getting your "ducks in a row" in your 40s, while you still have time to make a difference to the money you'll have later. I would really encourage more people to get advice earlier in their working life. If you’re looking for a knowledgeable financial adviser that you can absolutely trust, give Aaron a call. He is genuine, supportive and great to deal with all-round.
Aaron Hitch
Senior Financial Adviser
Bob and Val Higgins
★★★★★
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.
Anna Oudendijk
Financial Adviser
Bruce and Jill MacKenzie
★★★★★
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.
David Batchelor
Principal Financial Adviser
Shan Fleming
★★★★★
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.
Anna Oudendijk
Financial Adviser
Cliff Wright
★★★★★
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.
David Batchelor
Principal Financial Adviser
Helen Opie
★★★★★
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.
Jason Calleja
Senior Financial Adviser
Andrew Thorogood
★★★★★
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.
Michael Russell
Financial Adviser
Dee James
★★★★★
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.
Jason Calleja
Senior Financial Adviser
Jenny Lee
★★★★★
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!
Craig Williams
Director / Adviser
Daniel Witherington
★★★★★
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. They have been able to help me develop a portfolio of investments that supports the needs of my growing family and my future wealth.
David Copeland
★★★★★
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.
David Batchelor
Principal Financial Adviser
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