Getting Started

Do I need financial advice?

The simple answer is Yes. Everyone can benefit from having a Financial Adviser and ensuring their money is being managed, saved and spent in the best way possible. This is not the same for everyone, and changes depending on your life-stage so having a trusted Financial Adviser to help you make the right financial decisions, for both now and the future is key.

Click here to read the FM Financial Advisers profiles – and feel free to call or email to ask any questions you may have, or book in a health check to discuss your financial situation.

How do I choose an adviser?

Choosing the right Adviser is the first step in achieving your financial goals.

Confirming an adviser’s experience, industry background, and professional qualifications is a good place to start. Ask for client recommendations, specifically for clients in a similar life stage or situation to you.

The rest of the decision is about personality and understanding. You need an Adviser that understands who you are, what is important to you and what you want from life – both now and in the future. You need to be able to articulate this to an Adviser, and be confident the Adviser can take what you tell them and use their skills to help you achieve it.  You and your Adviser need to know what you want from them and what they need from you – to help you achieve your goals.

Once you find the right Adviser you'll have a strong foundation for building a long-term relationship with a person you can trust.

Click here to read the FM Financial Advisers profiles – and feel free to call or email to ask any questions you may have, or book in a health check to discuss your financial situation.

Book in a free financial health check

A free one hour discussion focused on your financial well-being

If you answer yes to these questions - Consider asking an FM Adviser for a solution.

• Work hard, pay bills, take small holidays but never seem to get anywhere?
• Would you lose the house if you couldn’t work, got sick or died?
• Like to buy an investment property but don’t have the money, except in Super?
• Worried you won’t have enough to live on or if you can ever afford to retire?

To book your financial consultation with a FM Adviser please call FM Financial on 1300 763 544 or submit by clicking below

What to expect

Once you decide to partner with an FM Financial Adviser, you will begin a detailed financial discovery process with them - we call this ‘Life Mapping’. This gives your adviser the best information to create the financial plan that will help you achieve your goals. This could be the first time you’ve put all your financial information and records into a central place so it’s a beneficial process for you too.

Some of the information and documents you will need to bring/know:

• Financial assets such as cash, savings and superannuation (for all parties involved)
• Other assets such as your home or cars, jewellery, investment properties etc
• Liabilities such as mortgages, loans or credit card debt
• All income including salary or investment dividends
• All expenses such as household expenses, insurances or education expenses

We understand that this seems like a lot of information, but you’d be surprised how easily you can find most of it. The FM Team can help suggest to you the easiest ways to access the information you don’t have. So feel free to call us on 1300 763 544 and we can help you.

Fees & Charges

By law all planners must disclose all forms of payment and fees. The cost to you will depend on the complexity of your financial situation and plan. There are various ways to structure fees, and it typically starts with an initial fee to cover identifying your needs, developing a strategy and implementing the recommendations. There could also be administration and ongoing service fees for regular reviews of your plan to ensure it meets your changing circumstances. As a member of the FPA (Financial Planning Association of Australia) FM Financial must abide by rules that require us to explain fees and charges in a clear and transparent way. FM Financial is required to make sure you understand and approve the fees before you pay or go ahead.