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

Is your will and advanced care directive valid and up-to-date? 

Having an updated Will and Estate Plan is the only way to protect your wealth, provide for your family in your absence and safeguard your financial legacy. COVID-19 has shown us just how much these factors impact our health, wealth and happiness.

Posted by Michael Russell

Keeping your personal and financial data safe during COVID-19

The convenience of technology has been a great benefit to our lives since Coronavirus restrictions came into effect; but it has also exposed more of us to the risk of data breaches, scams and identify theft that unfortunately comes with it. Read more about what to look out for and how to protect yourself.

Posted by Nick Stanley

Facing COVID career change after 50? Financial advice can help.

With redundancy set to increase in many industries as we emerge from the COVID-19 crisis in Australia, it's reassuring to know that good financial planning can help achieve your long-term goals and minimise the impacts of late-career redundancy.

Posted by Jason Calleja

What day is it again?

We can all relate to feeling like every day is the same, or not even knowing what day it is, as we stay at home to battle COVID-19. Adviser, David Batchelor shares his thoughts on coping with the rapid change in our lives, and recommends some great movie viewing to deliver a much-needed laugh.

Posted by David Batchelor

This video shows how FMD portfolios are weathering the storm

It's been a turbulent ride on global markets since the onset of COVID-19, but FMD portfolios are weathering the storm and are well-placed for the future. Watch this update from the FMD Investment Committee for all the latest details.

Posted by Lee Wapling

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

Cash flow and COVID-19

Daily life has been turned upside down for all of us due to COVID-19 and new ways of living, working and connecting have quickly become the norm. Whatever changes you are adapting to personally, adviser Michael Russell shares his tips on getting your budget under control in the face of new financial realities.

Posted by Michael Russell

Annual Client Briefing panel discussion highlights

We continue to receive fantastic feedback about our largest-ever Annual Client Briefing held at the Park Hyatt in Melbourne in December 2019 where we welcomed over 400 guests. One of the things ...

Posted by Lee Wapling

FMD is growing

Welcome to our new FMD Team Members! 2019 was a big year for FMD with a number of significant changes, including our move to operating under our own Australian Financial Services ...

Posted by Lee Wapling

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

     

     

     

     

     


More FAQs

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.