Understanding Our Clients

Working across four main life stages FM Financial tailors advice and service offerings to meet our clients’ needs and help them make the right financial decisions for both now and the future.

Whether your life stage is Establisher, Accumulator, Enhancer, or Retiree we offer services including but not limited to:

• Retirement Planning & Centrelink
•  Debt, tax efficiency & cash flow solutions
•  Estate Planning
•  Wealth creation, investment & cash flow management
•  Insurance protection
•  Superannuation and Investments incl. SMSF
•  Aged Care financial management

We also provide personalised communication to our clients based on the life stage such as the impact of interest rates on mortgages and savings , changes to superannuation, centrelink and tax rates, debt reduction strategies, superannuation strategies such as Salary sacrifice and lump sum deposits.

Whatever your life stage, and your goals for the future – FM Financial can help you make the right financial decisions.

Establishers

You’ve purchased a home, or are building your investment portfolio. Working hard for the future whilst trying to enjoy yourself. Making the right financial decisions now will impact your financial success both now and in the future.

FM Financial can help you by discussing: 

• Wealth creation, investment & cash flow management
• Lifestyle balance including budgeting
• Why personal insurance protection is important
• How to understand your superannuation and investments
•  Debt, tax efficiency & cash flow solutions
•  Estate Planning

Accumulators

You have a family - and a family home, you take family holidays and have children’s education costs. You want to enjoy this time of life but need to ensure you have your financials in order to allow for the expenses of education as well as a mortgage. Making the right financial decisions now will set you up for the future.

FM Financial can help you by discussing:

• Debt, tax efficiency & cash flow solutions
• Education costs
• Holiday budgeting
•  Estate Planning
•  Wealth creation, investment & cash flow management
•  Insurance protection
•  Superannuation and Investments incl. SMSF

Enhancers

Enhancers are people that are looking at enhancing their lives with travel, opportunities and financial information so they can easily negotiate the path to retirement in the coming years. 

FM Financial can help you by discussing: 

• Your retirement goals and requirements
• Opportunities for Super contributions
• Salary sacrificing and beneficial tax implications of Transition strategies.
• Retirement Planning & Centrelink
• Estate Planning
• Wealth creation, investment & cash flow management
• Insurance protection
• Superannuation and Investments incl. SMSF

Retirees

You are enjoying your Retirement, the freedom to choose how you spend your time and your money. FM is only a phonecall or an email away, so you know you can always understand your cashflow, entitlements and how to manage lumpsum purchases when required.

FM Financial can help you by discussing:  

• The ongoing management of your wealth and portfolio
• Your cash flow and any global economy impacts
• Centrelink
• Estate Planning
• Aged Care financial management