Property Market Outlook

Despite rising interest rates, the low availability of housing stock and demand for residential property has seen steady price growth across capital city markets in 2023

Posted by Jason Calleja

Client feedback keeps us improving

Walt Disney famously had this advice for those striving to create a successful, long-term business “Do what you do so well that people will want to experience it again and ...

Posted by Lee Wapling

Staying at home for longer as you age

As we age, more and more people are aiming to stay in the family home close to support networks for as long as possible and good financial planning is an important part of making it happen.

Posted by Karl Hunting

Rev Invest delivers positive returns

Rev Invest portfolio returns since inception, demonstrate the value of being invested in high quality Exchange Traded Funds (ETF’s) managed by a proven investment team, at a low entry cost.

Posted by Richard Dahl

Maintaining the right level of insurance

Having the right level of insurance to protect your income if illness or injury strikes is an important part of building and protecting wealth to achieve your overall financial goals

Posted by Nick Stanley

Financial advice for divorce and separation

Navigating the end of a marriage or long-term relationship is one of the most stressful experience we can face in life and is a significant financial event for all parties involved, particularly for those with complex assets or business structures.

Posted by Nicola Beswick

Lasting economic impacts of COVID-19

It’s been two years since the height of the lockdowns and restrictions of the first wave of the COVID-19 pandemic in Australia. Widespread vaccination has largely restored our freedoms, but some things have probably changed forever as a result of this once in a century event. Here we reflect on some of the long term social and economic impacts.

Posted by Adam Davenport

Young professionals feeling the squeeze

We are witnessing a significant shift in generational wealth accumulation and concerns that the next generation could be the first since Federation to be worse off than their parents.

Posted by Cameron Sicker

Could a loved one act for you in legal and financial matters?

Something we don’t always think about when we are fit and well, is whether someone we trust could act on our behalf legally and financially, if we needed them to. Yet life is unpredictable, and situations can arise where you may become unable to make decisions or manage your own affairs due to illness, injury, or aging.

Posted by Nicola Beswick

Rev Invest helping a new generation build wealth

Our low-cost online investment offer, Rev Invest is designed to help the next generation build wealth, with the confidence of knowing a proven investment team is behind it.

Posted by Lee Wapling

May 2023 Federal Budget Update

The Federal Treasurer Jim Chalmers took 31 minutes to announce his first full year budget for the Albanese Labor Government last night as he tried to provide more for those in the community most negatively impacted by rising inflation without fuelling inflation itself.

Posted by Lee Wapling

Living your best financial life in 2023

It’s that time of the year when make new financial goals, promise to leave bad habits behind and recommit to a positive financial future. 

Posted by Dominic Kwok

October 2022 Federal Budget Update

The Albanese Government has handed down its self-described "solid and sensible" budget in a very different economic environment to March this year when the Morrison government was revealing theirs.

Posted by Lee Wapling

Keeping your personal and financial data safe

From Uber, to Netflix and online banking, getting things done at the touch of a button is now an expected part of every day life. Yet the price of this convenience is that so much personal data is now stored online, becoming a potential target for cyber criminals.

Posted by Nick Stanley

More women taking charge of their finances

Everyone can benefit from financial planning, but women often have different career and lifestyle goals and circumstances to men, and different triggers for seeking advice.

Posted by Nicola Beswick

How happy are we in 2022?

In its 10th anniversary year, the 2022 World Happiness Report provides an insight into the happiest countries in the world.

Posted by Anna Fogarty

Are the stars aligning for downsizers?

Register for our property webinar for the latest insights into residential property markets and find out why the stars are aligning for downsizers. Family and friends of clients welcome to join.

Posted by Jason Calleja

Scammers stoop to a new low

Scamwatch, the scam monitoring service run by the Australian Competition and Consumer Commission (ACCC), is alerting the public to a new trend re-targeting previous scam victims with offers of help to recover lost money.

Posted by Darren Gulasekharam

2022 Federal Budget Update

The Treasurer has handed down a relatively responsible Budget, with a strong focus on cost-of-living measures along with some small-business support, cyber-security and infrastructure spending.

Posted by Lee Wapling

Supporting a parent in the move to aged care

Raising concerns when an elderly parent’s health or wellbeing at home is in decline, is one of the hardest conversations you’ll ever have as an adult child. And ...

Posted by Rebecca Poynton

Money the biggest test of happy relationships

Romance may be in the air, but it’s not all wine and roses when two people combine their finances and aspirations in the name of love. A November 2022 study ...

Posted by Nicola Beswick

Mobile phone text scams exploding

Scamwatch, the dedicated scam monitoring service run by the Australian Competition and Consumer Commission (ACCC), is urging people to be extra vigilant about text scams.

Posted by Michael Russell

How to grow your super balance year after year

Being stuck at home in endless COVID-19 lockdowns has given many people time to think about their financial future. If you are engaging with your Super for the first time in a while, here are 3 things to consider to ensure you make the most if it.

Posted by Dominic Kwok

What are share buy-backs and how do they benefit investors?

August is reporting season and, in addition to finding out how companies are performing in these challenging times, investors may also find themselves on the receiving end of an unexpected special dividend or an off-market share buy-back.

Posted by Mike Reynolds

New income protection policies set to change

Changes to government regulations are now in place that will reduce the benefits available on new income protection policies from 1 October 2021. Income protection insurance is an important part of financial ...

Posted by Nick Stanley

Virtual meeting instructions for clients

While it's not quite business as usual due to COVID-19 restrictions, the FMD team is fully operational and your adviser will be ready to conduct your regular review meeting, or any other meeting as required, in a virtual setting. These instructions will help you prepare for a virtual meeting with your adviser.

Posted by Lee Wapling

How to tell good financial advice from bad

As experts in delivering holistic financial advice tailored for each individual and designed to help clients achieve their financial goals, here’s our top five tips for how to tell good advice from bad.

Posted by David Batchelor

Six financial lessons from COVID-19

Among the lingering effects will be the financial upheaval many people have experienced, some for the first time. Whether brought about by unexpected career change, the fluctuating value of assets, or delayed retirement or estate planning, the resulting fear and uncertainty is real.  

Posted by Jason Calleja

2021 Federal Budget Update

Budget 2021-22 follows on from the last Budget’s theme of getting Australia through the pandemic and promoting economic growth and employment. The Australian economy has progressed toward recovery more successfully than others, with a dramatic budget improvement since the October 2020 forecasts.

Posted by Mike Reynolds

Using the equity in your home to generate more money in retirement

The post-COVID housing market recovery in Australia has certainly exceeded expectations, with property prices in Melbourne up 6.1%, Brisbane 6.3% and Adelaide 4.9% so far in 2021. As prices rise, more retirees are considering downsizing their home. In turn, taking advantage of tax and superannuation incentives to maintain the lifestyle they desire in retirement and protect their wealth.

Posted by Mike Reynolds

Term deposits putting retirement income at risk

The hunt for better returns and mistrust of the share market creates the perfect environment for the rise of risky investment funds that promise returns, often too good to be true.

Posted by Jason Calleja

Why is short selling in the headlines again?

GameStop made headlines for all the wrong reasons but short selling can be a savvy investment strategy. It has been used by prudent fund managers for years and there is a place for it in balanced portfolio management.

Posted by Mike Reynolds

Super transfer balance cap set to change

From 1 July 2021 the superannuation transfer balance cap will increase to $1.7 million. This limits how much money you can keep in tax-free super. This change adds further complexity to super and it is imperative to get advice to navigate and maximise the benefits super can offer.

Posted by Nicola Beswick

5 apps to get your Coronavirus budget in shape

There are now more and more online tools and apps available to help you take care of the tedious but important tasks associated with budgeting. Here is our list of the top 5 apps for efficiently managing your budget.

Posted by Anna Oudendijk

How to make the best financial decisions in difficult times 

Making good financial decisions during a crisis such as Covid-19 can feel overwhelming. However, with the support and expert guidance of a qualified financial adviser, you can make decisions today that your future self will thank you for.

Posted by Daniel Arcadiou

Aged care ripe for revolution

The baby boomers are at the stage of life where they are making arrangements around aged care. With their history of demanding higher standards of service across the board, this may be just the impetus needed to overhaul the Australian aged care system.

Posted by Karl Hunting

How a financial adviser can assist during separation and divorce

Listen to this podcast episode where Senior Financial Adviser, Jason Calleja, spoke to Partner at Nicholes Family Lawyers, Bec Dahl, to discuss how lawyers and financial advisers need to work together to serve clients navigating divorce or separation.

Posted by Jason Calleja

FAQs

  • Why shouldn't I keep managing my own money, I've done all right so far?

    Successful people are used to handling their own finances, but you may reach a point where financial management becomes too complex or time consuming and the consequences of financial mistakes far-reaching. At this stage it's wise to turn to a professional adviser who can help you build and protect wealth over the long-term.


  • Why do I need to meet with an adviser instead of talking on the phone?

    If you value receiving expert advice (perhaps you're an expert in your field!) you know the importance of sitting down face-to-face to solve problems or improve your position. Our advisers don't give advice over the phone to new clients because we have a duty of care to consider your overall situation. That's best done in an initial consultation at our offices in Melbourne, Brisbane or Adelaide. We'll pick up the tab for the first meeting! 


  • How do I know if I should seek professional financial advice?

    Much like a personal trainer or career coach, your FMD adviser will help you set financial goals and hold you accountable. So you need to be ready to improve your financial position. If you are time-poor, have unresolved financial or investment decisions, need to plan for retirement or are facing lifestyle or career change, seeking advice can be a great relief. Many of our clients are successful executives or business owners who value expert financial advice so they can focus on what they do best.


  • How do I choose a financial adviser and why should I?

    The title 'financial adviser' is often misunderstood, partly because it is used to describe advisers that work for or are affiliated with banks or superannuation funds. FMD Financial is not owned by or affiliated with another financial institution, and we charge a fee for service based our clients' individual needs. When choosing an adviser look for someone qualified and experienced, who is happy to offer client references. Choose someone you like and feel comfortable talking to. Over time they will become an important person during life's biggest challenges, like redundancy, divorce or the death of a loved one. 


  • How does advice work and what does it cost?

    Our clients know quality advice is an investment in the future and they partner with us for the long-haul because their investment pays off. We're committed to being open and transparent about our fees and what you can expect from our advice process so more people can experience the confidence and that comes from getting good advice.


  • Some useful website links relating to COVID-19


    Australian Government Department of Health – facts and resources regarding COVID-19

    Treasury – key economic response to COVID-19

    Australian Taxation Office – COVID-19 support available

    Centrelink – for those who expect to receive assistance if affected by COVID-19

    Business.gov.au -  Information and support for businesses affected by COVID-19

     

     

     

     

     


Tools & calculators

  • The health, wealth and happiness profiler

    At FMD financial we're on a mission to get more people on the road to Health, Wealth and Happiness, so we created Australia's most satisfying financial profiler.

    Soon you'll discover your net worth and get your own personal balance sheet to see a true picture of your financial position.

    Get Started
    The health, wealth and happiness profiler

Videos

  • What to expect from a first meeting with an FMD adviser

    What to expect from a first meeting with an FMD adviser

    It’s hard to know what to expect from a first meeting with a financial adviser, but getting your questions answered is worth it. Clients usually say ‘We wish we’d done it sooner!  We’ll cover the cost of the first meeting, to ensure FMD and your chosen adviser is right for you (duration: 2:02)

  • What to expect from the Health Wealth and Happiness financial profiler

    Get a picture of your financial position in 15 minutes using our quick and convenient online questionnaire. 
    You'll  receive a personal balance sheet, see how your super is tracking and discover your net worth. You can also book a meeting with an FMD adviser to review your detailed personal report.  We pick up the tab for the first meeting so there's nothing to loose and plenty to gain! (duration: 1:28)

    What to expect from the Health Wealth and Happiness financial profiler
  • Stop guessing and start planning your retirement now

    Stop guessing and start planning your retirement now

    We have the experience, financial modelling tools, and planning and investment expertise to show you how to make the most of your money and live the life you want.