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It has been a big year for products and partnerships that support FMD's commitment to investing in the health, wealth and happiness of the next ...
The Reserve Bank of Australia (RBA) increased the cash rate to 4.35% in response to a resilient job market and domestic demand, with inflation moderating slower ...
When the time comes for a loved one to move into aged care, there are lots of complex and emotional decisions to be made, not ...
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 ...
When you’re in the peak earning years in your career, your income is one of the most important assets you have, enabling you to ...
It has been two years since the height of the lockdowns and restrictions of the first wave of the COVID-19 pandemic in Australia. Widespread vaccination ...
The RBA raised the cash rate to 4.1% in June, the highest level since 2012. Surprisingly, they paused rates in July, but another rate hike is expected ...
Introduction 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 ...
The Financial Planning Association of Australia (FPA) recently partnered with Fidelity International to conduct research to measure the benefits and value of working with a ...
It is now easier than ever to apply for and manage your Centrelink benefits yourself through your MyGov Account. Follow these useful guides on how ...
As we come to the end of 2023, we’re proud to announce that, thanks to our dedicated participants and the generosity of staff and clients, ...
Most of us look forward to getting together with family to relax and unwind, not to have difficult conversations about how to care for aging ...
It’s that time of the year when we make new financial goals and promise to leave bad habits behind. Whether it’s failing to ...
Introduction 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 ...
Everyone can benefit from financial planning at key life stages, but women often have different career and lifestyle goals and circumstances from men, and different ...
In its 10th anniversary year, the 2022 World Happiness Report provides an insight into the happiest countries in the world, the progression of the value of ...
Introduction With the pending election front-of mind for the Government, the Treasurer has handed down a relatively responsible Budget, with a strong focus on cost-of-living ...
Keen property investors have been watching the phenomenal growth in the Australian property market over the last year and asking: How long can it last? ...
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 ...
The link between financial wellbeing and peace of mind has never been clearer, and more people then ever realise that in order to sleep well ...
Summary 2020/21 was a dramatic year that started with serious concerns about public health and the global economy and finished on an optimistic note, delivering historic ...
The COVID-19 pandemic continues to seriously impact individuals, businesses and communities across Australia. To support the economic recovery, the Government is extending and further tailoring ...
Every day we receive calls from clients facing a change of life circumstances that significantly impacts their finances. It could be unexpected career change or ...
While the popularity of online banking has grown significantly in recent years, over 40 per cent of Australians still visited a branch regularly before Coronavirus restrictions ...
Making financial decisions, particularly important, long-term decisions like buying a house, establishing an investment portfolio, or choosing the right time to retire, can be stressful ...
The COVID-19 crisis has reminded us all of the fragility of health and just how quickly life can change. In living rooms across the country, ...
So much is unclear as we attempt to return to a new normal in Australia and around the world. Will we succeed in avoiding a ...
In the classic 90’s movie Groundhog Day, Bill Murray’s cynical weatherman, Phil, finds himself stuck in the same day repeatedly when he heads to ...
COVID-19 has upended how people in Australia and around the world work and live. Most of us are working from home, may have reduced income, ...
Adapting your budget to your new reality Daily life has been turned upside down for all of us due to the COVID-19 pandemic and new ...
Summary March was the most turbulent month for global financial markets since the onset of the GFC. Evidence of COVID-19 spreading into Europe triggered a ...
Useful links × 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 ...
With job advertisements falling from their September 2022 peak and the economy slowing after rapid interest rate rises, more companies are expected to follow the likes ...
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 ...
The Australia Talks National Survey (fielded in July 2019) shed light on what Australians are most worried about. When presented with a list of 27 worry factors ...
What do you imagine when you think about your retirement? Do you picture yourself in a relaxing seaside town on the Sunshine Coast? Or maybe ...
Over the last few years the FMD team has donated thousands of dollars and countless volunteer hours to fundraising activities for worthy causes, and we're ...
Latest ASIC research adds to the growing body of evidence around the high value of financial advice. *Over 80% agreed that planning their financial future made ...
If you know how much money is in your wallet, and keep a record of what you spend, you’re probably a saver. If, on ...
Most people believe there is a right time to seek financial advice – close to ‘retirement age,’ with a good amount of money to invest and ...
However rewarding our careers and growing families may be, most professional women also look forward to a future where they’ll have more time for ...
In July 2017, the government introduced new rules that make it imperative for higher income earners to pay close attention to their annual super contributions or ...
For most Australians, purchasing a home is one of life’s greatest milestones. Unfortunately, it also marks the beginning of one of life’s biggest ...
Last week’s headline you didn’t see Australian shares gain more than $60,000,000,000 (that’s sixty billion!) The old newspaper editor's adage is that "bad ...
Many people are not aware of the full costs of buying a retirement village unit, particularly some of the extraordinary costs that only come into ...
From 1 January 2017, if you receive an Age Pension and are asset tested, your pension may change. What will change from 1 January 2017? The value of assets ...
It is no surprise we’re spending more on Christmas each year and it seems Gen Xers, at the peak of their careers and earning ...
How often do you think about your super balance? Twice a year? Less often? Does it matter, I hear you think? I can’t access ...
The information in this article is superseded by the latest superannuation information published in our article, Everything you need to know about superannuation to live ...
Research shows 46% of employees worry about their finances and that worry can stop them achieving at work and feeling positive about their job. It's a ...
There is now an update to the below information as new superannuation legislation was passed on 23rd November 2016 Here's everything you need to know. Yes, ...
Yes, after months of debate of debate and a federal election we finally have some certainty on Superannuation. On November 23, superannuation legislation was passed by ...
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 ...
Could technology innovation and demographics be the best investment indicators in a uncertain world? Recently the Australian head of one of the most forward thinking ...
One of the most satisfying things about providing high quality, personal financial advice is helping people follow their passions beyond work. Vice-President Alzheimer's Australia, Tony ...
In late 2014, Philip and Fiona Beggs found themselves at a cross-roads. After long and fulfilling teaching careers and in their late 50s, Philip was considering ...
From 1 January 2017, if you receive an Age Pension and are asset tested, your pension may change. What will change from 1 January 2017? The value of assets ...
At FMD, we are always talking to our clients and community about the importance of setting financial goals and taking small steps now towards the ...
What do Australian couples really argue about? Research shows finances are one of the leading causes of marital conflict in Australia, with 34% of respondents saying ...
In September 2015 a study conducted by the Financial Planning Standards Board in association with the Financial Planning Association (FPA) found 70 per cent of Australians did ...
There are many moments in our lives where we find ourselves at financial cross-roads. At these times we become committed to being more disciplined about ...
The information in this article is superseded by the latest superannuation information published in our article, Everything you need to know about superannuation to live ...
Despite growing media coverage about the gap in women’s super and the necessity to start growing your super blanance as soon as possible, it ...
Mistakes are a normal part of life but financial mistakes can be expensive, financially and emotionally - bringing about feelings of regret and a lack ...
Many people in their 30s and 40s are already concerned with their ability to save, achieve financial goals and adequately grow their superannuation for the ...
It’s been 15 years in the making, but the vision which inspired FMD founders Greg Fagan, David Murray and Adam Davenport to build a relationship-driven, ...
Whilst there are media conversations aplenty about the gap in women’s super it seems the message, whilst acknowledged, is not spurring women to take ...
Retirement is something people often wait for all their working lives, yet few consider how they will spend their time once the freedom to do ...
More research is coming to light that raises serious questions about the long-term investment performance of self-managed super funds (SMSFs). Recent analysis reported in the ...
A move into aged care raises many complex issues that can be confronting and difficult to navigate. Both emotional and financial challenges can be faced, ...
How many times have you heard it said? Mahatma Gandhi fasted for three weeks in order to change the world, no doubt he was hungry, ...
As our lives continue to get busier, and notably more stressful, people are turning to mindfulness – a type of meditation – to improve health and well-being. ...
Australians have never been more spoilt for choice when it comes to managing superannuation to fund retirement, but these choices can be so overwhelming that ...
We interview FMD adviser, Lauren Abela, who works with busy, established professional and entrepreneurial women, passionate about life and gaining confidence around their money. What ...
There is no doubt Australian society has changed dramatically in just a few short decades let alone over the last century. Yet success and happiness ...
Over 40% of life insurance in Australia will be purchased online by 2021. The advertising is fierce and the market competitive but can you buy life insurance ...
The information in this article is superseded by the latest superannuation information published in our article, Everything you need to know about superannuation to live ...
There may not be a formula for creating health, wealth and happiness, but nearly two decades of providing personalised financial advice to clients across Melbourne, ...
Financial markets are back in the headlines for the wrong reasons. A variety of concerns has led to a level of volatility that hasn’t ...
The RBA met yesterday and have cut rates by 25 basis points. This takes the official cash rate to a new historical low of 2.25%. It is ...
Earlier this month the Australian Dollar (AUD) traded at its lowest against the US in more than six years with experts forecasting it will remain ...
The recent rate cut was anticipated by the overall market, but perhaps not this early in the year. A cut of 25 basis points is a ...
There has been much commentary on the changing family unit in Australia but the reality is 70% of primary carers of children are women. Although many ...
Dear FMD, I have been thinking about purchasing a second residential investment property, and my friends suggested that I can use my super for a ...
Volunteering has a resounding effect on a community, and as it happens, good deeds lead to good grey matter. ABS research shows 61% of Australian volunteers ...
There are now more and more online tools and apps available to help you take care of the tedious tasks associated with managing your money. ...
From 1 January 2015, account based pensions will have new rules in place, changing the way Centrelink determines assessable income under the income test. The change means ...
When it comes to international measures of health, wealth and happiness, latest findings from the OECD Better Life Index confirm what most of us know ...
In a relationship each individual brings something different to the table. We see couples everyday who have different attitudes toward how they deal with and ...
A recent report by the Australian Securities and Investments Commission has highlighted an alarming number of Australians who may have purchased an unsuitable life insurance ...
Divorce costs the Australian economy $14 billion a year, and recent figures estimate taxpayers now pay close to $1100 per annum to support families in crisis. While ...
You don’t need to know much about the investment market to know that Australia is experiencing high property prices in its major cities. In ...
An article from The Australian last week highlighted the impact on pre retiree’s super balances from the Government's last minute deal with Clive Palmer ...
We recently got talking about the reasons why people avoid seeking financial advice. Here are our top six. 1. You can do it yourself The thousands ...
Is it time to get a plan?The focus around the 14th Annual Financial Planning Week this year is aimed at educating Australians on what ...
Wondering if self-managed super is for you? FMD Director and Financial Adviser, Mike Reynolds, answers common questions about SMSFs. Who is the ideal candidate for ...
The information in this article is superseded by the latest superannuation information published in our article, Everything you need to know about superannuation to live ...
A healthy, active lifestyle is something we all strive to achieve and maintain. We know that healthy eating and regular physical activity benefits our mental ...
Australians now enjoy longer, more active lives than previous generations – a fact which has helped transform retirement as we know it. Recent figures by the ...
If you or your children have insurance through an Industry Super Fund (e.g. Australian Super) now is the time to review the included insurances. ...
Purchasing a home can be one of life’s greatest milestones. Home ownership brings a sense of achievement and adds to your asset portfolio. A ...
The title 'financial adviser' is often misunderstood. This is partly because the title is used to describe advisers that work for - or are affiliated ...
In Summary March 2014 proved to be a relatively benign month for investment portfolios as conflicting market outcomes neutralised diversification. In particular there was an unexpected ...
The Government’s 2014-15 Budget announcements shook up much of the Australian economic landscape. Surprisingly – yet pleasingly – superannuation appears to have escaped without any major ...
The end of financial year period is a great time to take stock, reflect on past events and tie up loose ends - and it’...
The information in this article is superseded by the latest superannuation information published in our article, Everything you need to know about superannuation to live ...
With the RBA announcing the cash rate will remain at a record low 2.5 per cent and continued economic recovery providing supportive conditions for good share ...
There’s no doubt a number of major economic shifts are impacting the outlook for professional and management careers in Australia. From the restructuring of ...
Earlier this month the Federal Government introduced the most significant changes to privacy laws in over 25 years. If you’re currently borrowing money from a ...
Before they came to see us, many of our clients wondered if it was too early to get advice. They worried about whether they had ...
Despite online shopping becoming increasingly mainstream across the generational divide, some reluctance remains due to concerns about online security. Here are some tips for protecting ...
The end of September marked the end of yet another AFL premiership season (well done, Hawks!) and the NRL Grand Final between the South Sydney ...
We’ve spent the last 12 years helping clients build, manage and protect their wealth and we look forward to remaining your trusted partner on the ...
Changing role of Australian grandparents The generation of free thinkers who changed the world are now busy transforming retirement into the very antithesis of a ...
