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FMS Group

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FMS Group provides an integrated advice offering, tailoring solutions for individuals and businesses to optimise your financial position.

21/10/2026

Your finances don’t live in separate boxes. So why should your advice?

A decision about your home loan can affect your cash flow.
A decision about your business can affect your tax.
Your super affects retirement.
Your estate plan needs to work alongside all of it.

That’s one of the reasons FMS Group was built differently.

Our accountants, financial planners, lending specialists and broader advice team can work together to understand the full picture.

It means fewer disconnected conversations and a team that understands where you’ve come from, where you’re going and what matters to you.

We’re also proudly family owned, with three generations working side by side.

For us, “our family looking after your family” isn’t just a line. It’s how we approach the relationships we build with our clients.

Want a more connected approach to your finances? Call FMS Group on 1300 982 499 to start the conversation.

19/10/2026

Buying your first home can feel like a lot to navigate, especially when you’re trying to work out deposits, government support, pre-approval, inspections, contracts, and settlement all at once. 🏠

The good news? You don’t have to figure it all out at once.

Our First Home Buyer Guide 2026 breaks the journey down step by step, from getting your finances ready and understanding available support, through to finding the right property, making an offer and finally getting the keys.

One of the most important steps happens before you start attending open homes: getting your finances in order and securing pre-approval. Knowing your budget can give you greater confidence when the right property comes along.

Thinking about buying your first home? The earlier you start planning, the more prepared you can be.

👉 Read more in our latest blog through the followinglink: https://fmsgroup.com.au/2026/10/01/first-home-buyer-guide-2026/

📞 Ready to take the first step? Call FMS Group on 1300 982 499 to discuss your lending options.

15/10/2026

What do changing interest rates mean for you? 💡

Interest rates have been back in the spotlight, and with changes affecting mortgages, savings, investments and super, it’s worth looking beyond the headlines and considering what they actually mean for your financial position.

Our latest enewsletter takes a closer look at changing interest rates and shares some practical things to consider as we head towards the final months of the year.

To view our latest enewletter, click the following link:
https://mailchi.mp/fmsgroup/staying-calm-in-volatile-markets-12876129

📩 Want to stay in the loop? Sign up to our mailing list to receive our latest updates, insights, and financial tips straight to your inbox.

12/10/2026

What does diversification actually mean? 💡

You’ve probably heard the phrase “don’t put all your eggs in one basket” when it comes to investing. That’s essentially the idea behind diversification.

Diversification means spreading your investments across different asset classes, industries, regions or types of investments rather than relying too heavily on one area.

Why does that matter? Because different investments can perform differently in changing market conditions. Having a mix can help manage the impact of poor performance in any one investment or area.

💡 Diversification isn’t about avoiding risk. It’s about understanding and managing it.

To discuss your investment strategy, call FMS Group on 1300 982 499.

09/10/2026

Retirement planning is about more than asking, “Will I have enough?”

It’s about understanding what you want your retirement to look like, when you can realistically afford to stop working, and how your super, investments, income and other assets can work together to support the lifestyle you want.

At FMS Group, we provide personalised retirement planning to help you make informed decisions at every stage, whether retirement is still years away or just around the corner.

From reviewing your super and investment strategy to exploring income streams, Centrelink considerations, tax strategies and transition-to-retirement options, we help simplify the decisions and give you a clearer picture of what’s ahead.

We also take a broader view of your finances, working alongside our accounting, lending and estate planning teams where needed to make sure your retirement strategy fits into the bigger picture.

Ready to get a clearer picture of your retirement? Call FMS Group on 1300 982 499 to start the conversation.

06/10/2026

World Financial Planning Day 🌏💡

Financial planning isn’t just about numbers, investments or retirement. It’s about having a clear plan for the life you want.

From managing your finances today to building wealth, protecting what matters and preparing for retirement, having a strategy can help you make more informed decisions and feel more confident about the future.

At FMS Group, we work with individuals, families and business owners to create personalised financial strategies that reflect their goals, circumstances and priorities.

A clear financial plan can give you greater confidence in the decisions you make today and the future you’re working towards.

To speak with our financial planning team, call FMS Group on 1300 982 499.

01/10/2026

Interest rates have certainly kept homeowners on their toes.

So, when did you last properly review your home loan?

It’s worth checking more than just the interest rate. Your loan structure, fees, offset account and how you’re using your available features can all make a difference.

A home loan that suited you a few years ago may not necessarily be the best fit today.

If it’s been a while since you’ve looked at yours, our lending team can help you review where things stand and whether there are other options worth considering.

Give the FMS Group team a call on 1300 982 499.

29/09/2026

🚨 RBA RATE RISE

The cash rate has increased to 4.60% 📈

Another rate rise means more pressure on mortgage repayments and household budgets. 🏠💰

If you have a home loan, now could be a good time to review your rate and make sure your loan is still working for you.

Need a hand? Let’s chat. 👋

24/09/2026

It’s one of those conversations families tend to put off.

What would happen if something happened to you? Who would make financial decisions on your behalf? Who could make health and lifestyle decisions if you couldn’t? And would the people closest to you actually know what you wanted?

Estate planning isn’t only about having a will, and it certainly isn’t only something to think about later in life.

Marriage, separation, children, grandchildren, property purchases and changes to your financial circumstances can all be good reasons to review your arrangements.

It might not be the easiest conversation to start, but getting things organised can make an incredibly difficult time much easier for the people you care about.

If it’s been a while since you reviewed your estate planning, call FMS Group on 1300 982 499 to start the conversation.

22/09/2026

“Can I actually afford to retire?”

It’s one of the questions we hear most often.

And there isn’t one magic number that works for everyone.

For one person, retirement might mean travelling regularly and helping the kids. For someone else, it might mean staying close to home, spending more time with family and finally having time for the things they’ve put off for years.

That’s why good retirement planning starts with your life, not a calculator.

What do you want retirement to look like? When would you like to stop working? What income will you need? And how will your super, savings, investments and potential entitlements work together?

If retirement is starting to feel less like “one day” and more like something on the horizon, it may be time to start the conversation.

💡 Ready to get a clearer picture of your retirement? Call FMS Group on 1300 982 499 to discuss your goals and options.

Address

1/501 The Entrance Road
Long Jetty, NSW
2261

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+611300982499

Website

http://www.fmsgroup.com.au/

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