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At this time of year, we like to remind you to think about important planning opportunities before the end of the financial year. This includes ...
There is no doubt cost of living pressures have made it tough for young professionals to achieve their saving and investment goals in recent times. ...
Our new-look website is making it easier for clients to find information and news and easier for those new to FMD to meet our advisers, ...
As electric vehicles (EVs) become cheaper and more popular, many of our clients areasking if buying an electric car stacks up financially. Of course, the ...
FMD’s Martin Hawkins, Senior Adviser and Director in our Brisbane office, and his wife Rhiannon, are preparing for a once in a lifetime walk. ...
In a month characterised by shifting sentiments and global economic resilience, the Reserve Bank of Australia (RBA), at its second meeting for the year, opted ...
It’s been hard to escape the news that the Federal Government has passed legislation to amend the controversial ‘Stage 3 tax cuts’ due to come ...
While the hit TV series Succession depicts more of a Murdoch-style dynasty than the average successful Australian family, it does highlight the drama and tension ...
The ‘January effect’ is a well-known phenomenon among economists and psychologists alike. Regardless of market realities, consumer optimism and share prices often see a temporary ...
Clients often ask us how they can help their kids build wealth faster and share ideas or strategies on becoming more financially savvy, earlier in ...
With busy lives and growing distances between homes, it’s easy to feel out of touch with friends and loved ones. Family gatherings such as ...
Despite rising interest rates, the low availability of housing stock and demand for residential property has seen steady price growth across capital city markets in 2023, ...
Walt Disney famously had this advice for those striving to create a successful, long-term business “Do what you do so well that people will want ...
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 ...
Something we don’t always think about when we are fit and well, is whether someone we trust could act on our behalf legally and ...
Over the years we've met a lot of people early in their professional career, who want to invest to build wealth, but don't need our ...
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 ...
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 ...
Homeowners face plenty of tough choices in challenging economic times. House prices are falling across the country, auction clearance rates are down 15% on the same ...
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 ...
Supported retirement village living and residential aged care are often seen as alternatives, but the fact is they are not true substitutes. The style 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 ...
Changes to super contribution rules from 1 July may be a great opportunity to revisit your strategy to and boost your super, pre and post retirement. ...
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? ...
The Australian Business Registry Services now requires all company directors to apply for a Director Identification Number (DIN). If you are a company director, this ...
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 ...
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 ...
Being stuck at home in endless COVID-19 lockdowns has given many people time to think about their financial future, if new enquiries to our advisers ...
August is reporting season and, in addition to finding out how companies are performing in these challenging times, investors may also find themselves on the ...
In our recent Investment Committee (IC) update, we discussed the threat of rising inflation driven by ongoing low interest rates and the likely impact on ...
Changes to government regulations are now in place that will reduce the benefits available on new income protection policies from 1 October 2021. Income protection insurance is ...
From July 1, the concessional contributions cap was lifted from $25,000 to $27,500 which is great news for people who want to put more money into superannuation in ...
Being in the advice business for 20 years, we’ve learnt a lot about what motivates people to seek good advice, and how much bad advice ...
Like every pandemic in history, there is no doubt COVID-19 will have lingering effects on us all. Research has already shown shifts in how we ...
Budget 2021-22 follows on from the last Budget’s theme of getting Australia through the pandemic and promoting economic growth and employment. The Australian economy ...
Global interest rates have been trending down for years. In the wake of the global Coronavirus pandemic central banks are expected to continue to keep ...
On Feb 26, 2021 the final report from the Royal Commission into Aged Care Quality and Safety was presented outlining 148 recommendations. The report was subtitled Care, Dignity ...
There are more thresholds, caps and restrictions to manage than ever before when it comes to superannuation and Self-Managed Super Funds and more complexity lies ...
The Coronavirus pandemic has shone a spotlight on an Australian aged care system under-resourced and under pressure, with tragic results. The crisis comes on the ...
Covid-19 has led to widespread business and employment uncertainty. Typically, in times of recession, lower skilled workers bear the brunt of the economic impact, but ...
When it comes to separation and divorce, couples are plunged into the overwhelming situation of having to make decisions that will affect themselves, their families ...
Introduction Budget 2020-21 is firmly billed as a recovery plan, to move Australia from crisis response towards rebuilding the economy following the once-in-a-century shock caused ...
Evidence is mounting that pandemic pressures helped drive Australian divorce applications to their highest level in over a decade, as more people reevlauate their relationships ...
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 ...
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 FMD team and your adviser can conduct your regular review meeting, or any other meeting as required, in a virtual setting. Here are some ...
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 ...
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 ...
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 ...
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 ...
With one decade coming to an end and the roaring ‘20s about to begin, FMD was “Looking back to look forward” when more than 400 clients ...
The Reserve Bank of Australia and the Government may be lamenting the fact that lower interest rates and personal tax cuts haven’t had the ...
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 ...
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 ...
For information about scams directly related to the COVID-19 outbreak, see our regular update post. Most of us like to think we’re too smart ...
Super regulations are always changing - there have been 43 legislative and regulatory changes in Self-Managed Super alone in the last five years! (1) While super may ...
Updated on 31st July 2019: Since this interview, the Reserve Bank cut the official cash rate by 25 basis points in June and again in July to ...
Many of us dream about retiring overseas or enjoying extended periods of overseas travel during retirement. While drawing up your travel checklist, don’t forget ...
18 May 2019 Update: With the Federal Election victory now confirmed for the Liberal–National coalition, we no longer need to plan around changes to franking credits, ...
18 May 2019 Update: With the Federal Election victory now confirmed for the Liberal–National coalition, we no longer need to plan around changes to franking credits, ...
It’s always hard to take time away from the office and our clients, but once again we were reminded of the benefits of bringing ...
18 May 2019 Update: With the Federal Election victory now confirmed for the Liberal–National coalition, we no longer need to plan around changes to franking credits, ...
Investing in property through a Self-Managed Super Fund (SMSF) is a popular option for many people. However, recently tightened bank lending and increasing ATO regulation ...
Whenever market volatility increases, concerned investors naturally want to know if they should do anything different to protect and maximise their wealth. As an investor ...
Most of us are managing more of our finances - and many other aspects of life - online and enjoy the convenience of using the ...
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 ...
Updated on 4 June 2019: The information contained in this article is accurate for the financial year 2019-20 If your role has been made redundant, you don't ...
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 ...
The Royal Commission continues to expose the poor conduct occurring in the banking and finance industry and we’re glad the Commission is giving a ...
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 ...
There comes a time when the kids move out, you’re ready to travel or you’re getting older and the family home starts to ...
As busy working professionals we all want more convenience in life. The number of comparison websites and online aggregators available for every product or service ...
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 ...
We all understand that certain sectors of the market do better during particular stages of the economic cycle than others. However, trying to pick the ...
Article update: The Basic Daily Fee and means-tested care fee mentioned in this article are as per The Department of Human Services' revised aged care ...
No doubt Amazon’s highly anticipated arrival in Australia will shake up an already sluggish retail sector. So what could this mean for share prices ...
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 ...
Are you Queensland born and bred? I grew up in Warsaw, Poland and came to Australia in 1999. I first lived in Adelaide where I began ...
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 ...
They say there's no formula for success, but with years of experience offering personalised investment advice and now with over $1 billion of funds under management, ...
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 ‘January effect’ is a well-known phenomenon among economists and psychologists alike. Regardless of market realities, consumer optimism and share prices often see a temporary ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
Mistakes are a normal part of life but financial mistakes can be expensive, financially and emotionally - bringing about feelings of regret and a lack ...
Australia’s world-beating life expectancy rates and the high quality healthcare system that underpins them are impressive. Unfortunately, the downside of our longevity is the ...
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 ...
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 ...
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, ...
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 ...
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 ...
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 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 ...
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, ...
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 ...
The end of financial year period is a great time to take stock, reflect on past events and tie up loose ends - and it’...
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 ...
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 ...
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 ...
Finding the right person to manage your finances can be a difficult and time-consuming process for many people. Understandably, your money and assets are vitally ...
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 ...
People aged 65 and over are our nation’s fastest growing age group and one million Australians already receive Aged Care – a figure set to soar ...
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 ...
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 ...
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 ...
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 ...
Thanks to the Royal Commission into the banking and financial services industry, there is plenty of media coverage about the poor advice provided by some ...
The title 'financial adviser' is often misunderstood. This is partly because the title is used to describe advisers that work for - or are affiliated ...
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 ...
The end of financial year period is a great time to take stock, reflect on past events and tie up loose ends - and it’...
Estate Planning is not something we think about every day and it’s all too easy to put off. So when should you begin thinking ...
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 ...
SMSFs are increasingly growing in popularity, ten years ago they made up for 12 per cent of total superannuation – now that figure is at 30 per cent. ...
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 ...
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 ...
