Karl joined FMD with 21 years of financial advisory experience, previously working in Minneapolis and Sydney before returning home to Melbourne.

Karl enjoys seeing his clients align their financial decisions with their underlying lifestyle values. His strengths include retirement planning, wealth creation, aged care and estate planning.

A former classical musician, he also likes bushwalking, time with family and a good coffee.

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Anna has been involved in the financial services industry since 2003 and joined FMD Financial Adelaide in 2009 as an associate adviser. In 2013 Anna moved to FMD Financial Brisbane bringing a broad technical knowledge base combined with a genuine interest in improving the financial wellbeing of clients.

Anna's skills and knowledge provide her with the expertise to deliver comprehensive advice across a broad spectrum of financial issues; spanning from wealth creation, superannuation and personal insurance through to pre and post retirement planning including specialised areas of Centrelink, DVA and Aged Care. Anna provides a personalised and dedicated service and has developed strong relationships with many clients as a trusted coach and navigator in their financial journey.

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Anna provides advice on a whole spectrum of money issues and enjoys helping her clients work through different life stages. Anna offers strategic advice for clients considering starting a family, saving for their kids’ education, managing day to day cash flow and debt, achieving work/life balance, career change, relationship separation, investing in assets, planning for retirement and caring for ageing parents.

Anna’s passion is in gaining a deep understanding of her client’s unique situation and what’s most important to them now and in future. From there, Anna tailors a strategy addressing her client’s specific personal and financial needs. Anna’s drive is helping her clients understand where they currently stand and where they are going so they can feel confident about their future, enabling them to have more time to focus on enjoying other areas of their life. Anna joined FMD Financial in 2014 and has over 10 years’ experience in the advice industry. She is degree-qualified with a Bachelor of Commerce majoring in Financial Planning, Finance & Economics.

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Martin has been in the financial planning industry since 1984, starting with a medium-sized practice in London, where he became their youngest director in 1992. He has continued in this industry since moving to Australia in 1999.

Prior to establishing FMD Financial (Queensland) in 2004, Martin was a Senior Adviser with a multi-national human resource consulting group where he sat on the National Investment Committee and where he helped a broad client base achieve their financial and lifestyle goals through expert advice including retirement, redundancy, wealth accumulation and Centrelink strategies.

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Kaye has been involved in the financial services industry since 2008 and joined FMD in 2017. She enjoys working with people to help find solutions to meet their goals and lifestyle objectives.

Her areas of interest include superannuation, taxation, wealth creation and Centrelink. Kaye's philosophy is that life is always changing and so do peoples goals.

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Paul is known for his passion for helping people and his knack for solving problems. He is skilled at breaking down complicated financial jargon into easy-to-understand advice, empowering his clients to take charge of their financial futures. As a lifelong learner, Paul stays up to date with the latest technical developments and strategies in the financial world. Paul advises on a wide range of areas, including wealth accumulation, personal risk management, and retirement planning.

He has also undertaken specialist study in Self-Managed Superannuation Funds to further support his clients and the wider FMD Financial Brisbane team. Clients trust Paul to provide quality advice because he is not only knowledgeable but also genuinely cares about their financial well-being. With Paul by your side, you can navigate your financial journey with confidence.

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Rebecca (Bec) specialises in providing strategic and investment advice to clients wherever they are in their life journey. She supports them to take control of their finances and work alongside them to achieve their personal and financial goals. Her broad technical knowledge allows her to provide high quality advice to clients both in the accumulation phase and retirement planning phase, including in the areas of personal insurance, investment portfolio construction, superannuation, retirement income, social security and aged care.

Bec has worked in financial services since 1996 and joined FMD Financial in 2021. Previously, she was employed by a small advisory firm and an asset consultant and has held roles in advice, superannuation and insurance; at an Australian bank and several global banks. Bec looks after a number of clients who reside in Geelong and on the Surf Coast and is available for appointments in central Geelong on a fortnightly basis. Being born and bred in Geelong, Bec takes advantage of these regular visits to connect with the local community and catch up with family and friends.

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Darren has been working in the financial services industry since 2012 and he has a passion to support individuals meet their personal and financial goals.

His broad technical knowledge allows him to provide high-quality, holistic advice to build, grow and protect wealth in areas such as superannuation, retirement planning, personal insurances and investment portfolio construction. 

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With over a decade of experience in financial services, Dylan specializes in comprehensive and holistic financial advice. He is an expert in superannuation, investment portfolio construction, pre- and post-retirement planning, and personal insurance. Dylan is dedicated to helping clients achieve their financial goals and secure peace of mind.

Dylan is fluent in Mandarin and has basic proficiency in Cantonese, making him an ideal adviser for Chinese-speaking clients. His language skills and deep understanding of financial planning ensure personalized advice tailored to the needs of the Chinese community.

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Tony has over 35 years’ experience in banking and financial services including the last 25 years as an advisor. He is a Certified Financial Planner (CFP ®) and SMSF Specialist Advisor™. Tony works closely with clients to establish a financial plan that is tailored, effective, and easy to understand. Prior to joining FMD Financial, Tony worked as a Senior Financial Advisor with Banksia Partners for 3 years.

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Nick specialises in providing strategic advice in relation to superannuation, retirement income streams, wealth creation, personal and business insurance, investment portfolios, managed funds and asset allocation. Nick has been involved in the financial services industry since 1998. Prior to working at FMD Financial, he was employed in various roles within the superannuation and wealth management areas of a global consulting firm.

Nick commenced his employment with FMD Financial in April 2007. He has a Bachelor of Commerce degree as well as a Graduate Diploma of Financial Planning and is a Certified Financial Planner™ professional.

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Tim Gaspar is an experienced lending expert who has worked in the finance industry since 2002. After more than 20 successful years running his own mortgage broking business, Tim merged his company with FMD Financial and now leads our lending division.

Before moving into mortgage broking, Tim worked as a lawyer with top-tier commercial law firms and held marketing roles with several well-known Australian sporting organisations. This diverse background has shaped his unique approach to finance, combining sharp analytical skills with strong communication and relationship-building expertise.

Tim’s passion lies in helping families achieve their dreams—whether that’s buying a first home, building wealth through property, or financing lifestyle goals such as home renovations or holiday homes. His greatest strength is his ability to guide and educate clients through the finance process. Whether it’s simplifying the complexities of lending for first-time buyers or helping seasoned investors unlock equity, Tim is committed to providing clear, tailored advice every step of the way.

Known for his highly personal and attentive service, Tim places a strong emphasis on communication and client education. His long-standing client relationships—some dating back to his earliest years in broking—are a testament to his dedication and care.

Outside of work, Tim is married to Heidi and is a proud dad to two boys fast approaching their teenage years. He enjoys travelling with his family, hiking, photography, cooking, and a glass of wine.

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Jimmy is a Lending Adviser and finance broker specialising in residential lending. With over a decade of experience in the finance industry, Jimmy began his career in 2010 working in loan approvals with major banks, developing a deep understanding of credit assessment and client service.

In 2015, he moved into the mortgage broking sector, broadening their expertise across a wide range of lending solutions and client needs. Since becoming an Adviser in 2021, Jimmy has been committed to delivering tailored, solutions-focused advice to clients.

Jimmy is passionate about helping clients achieve their financial goals, a passion shaped by personal experience. As the child of immigrants who took out a home loan through a major bank and never refinanced or received advice on product reviews, Jimmy is driven by the desire to ensure others know their options and can access the best possible lending solutions.

Outside of work, Jimmy enjoys spending time with family, staying active at the gym, and, when time allows, unwinding with a few games of Magic: The Gathering.

With over 20 years of experience in the banking and financial services industry, Endre has spent the last decade as a specialist Financial Adviser in life insurance. He excels in creating comprehensive, tailored insurance solutions that are easy to manage and right for every client.

His commitment to his clients extends beyond policy creation; Endre provides unwavering support to his clients during their most vulnerable moments. His expertise and dedication ensure that our clients receive the best possible advice and support when they need it most.

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Starting her career in the late 1990’s, Megan's years of experience allow her to provide comprehensive, holistic financial advice tailored to each client's unique aspirations and circumstances. She specialises in guiding clients through every stage of their financial journey, from wealth accumulation to retirement and aged care, while ensuring clarity and confidence in their decisions.

Outside of work, Megan cherishes time with family and friends and enjoy simple pleasures like walks along the beach.

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Michael joined FMD from Investwell Financial Planning as an Adviser with fresh ideas and enthusiasm in 2012.

Michael started his career in the financial services industry in 2001 as a paraplanner, writing technical plans and formulating strategies. From there, he moved to a planner role for a small boutique financial planning firm, where he quickly established valued relationships with clients who grew to depend on him for his advice and expertise.

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Cameron's motivation is simple, to help people lead happy lives and achieve financial independence. Having seen first-hand the impact of not having a plan in place, he knows how important it is to create a roadmap for the future so his clients not only know where they are now, but where they want to be and how they'll achieve it.

The strategies Cameron puts in place are a by-product of how FMD helps clients set out to achieve their goals. He provides holistic financial advice, covering all areas from superannuation and wealth creation to insurance and estate planning. As part of FMD's advice, Cameron is skilled at designing long-term, diversified investment portfolios putting clients in the best possible position to achieve their financial goals. As the old saying goes 'The hardest part of any journey is taking the first step'.

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Andrew has been working in the financial services industry for 26 years, joining FMD Financial late 2019. Andrew has extensive experience as a financial adviser with a strong grasp on the technicalities of financial advice as well as insight into what it takes to support clients and help them achieve their financial goals.

Outside of work, Andrew enjoys park outings with his wife and the occasional competitive Pinball tournament.

Andrew holds a Bachelor of Commerce (Accounting and Insurance) and a Diploma of Financial Planning.

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