FM Financial Solutions Pty. Ltd.

We have had several financial planners over the years and FM solutions by far has exceed all our expectations. It's left us wondering what where we paying for with these other so called planners. FM solutions takes time to understand your needs, goals and your dreams. In particular our very complicated superannuation plans. They are detailed but communicate so we understand. Its a relationship that is built on trust and we can't thank the team enough for looking after us. Blessed to have found FM solutions!

During this period of market volatility brought on by the coronavirus, it has been a great comfort to know that our wealth is secure under the management of FM Financial Solutions. Truly independent, Fergus and Margaret provide advice that is always professional, measured and well-informed.

My wife and I consider ourselves fortunate to have Fergus and Margaret Hardingham in our financial corner as we progress through life. With their assistance, advice and kind prompting, we now approach our retirement years in a very comfortable financial position. We have found them to be ethical, knowledgeable, articulate, transparent, responsive and truely independent. They don’t have vested interests in products and don’t get commissions. Fergus and Margaret have been very good for us.
We have no hesitation in recommending them to future clients.
Mark and Lisa Riley

I've been a client of FM Financial Solutions for several years now. They helped with planning for my retirement and are now helping me, as a self-funded retiree, to manage my income. I have found them to be very professional. They are independent planners, operating on a fee for service model, and provide advice that puts the client's goals first. They are also transparent about the cost of their services and the costs of financial products they recommend.

If you need a financial advisor who has only your interests at heart then FM Financial Solutions are the people to talk to. They really take the time to get to know your needs and preferences. Their personal yet professional approach makes them very easy to talk to and they are very responsive to all communications. Their philosphy of maintaining stable positive return on investments has meant that we have sufferred negligible financial impact from Covid 19 and they have provided preemptive reporting to keep us informed. Their fees are reasonable and even better value considering their ability to save us money by providing refunds on any trailing commissions from financial products we subscribe to. Highly recommended.

I've been a client of FM Financial Solutions for several years now. They helped with planning for my retirement and are now helping me, as a self-funded retiree, to manage my income. I have found them to be very professional. They are independent planners, operating on a fee for service model, and provide advice that puts the client's goals first. They are also transparent about the cost of their services and the costs of financial products they recommend.

Their professionalism and ethics are unparalleled. Trustworthy, transparent, direct, and approachable are some of the qualities that made me want to leave this review.
I’ve been with FM Financial Solutions for a few months now, and their service has always been impeccable.
They always go the extra mile to ensure your satisfaction, being sending you curated articles to ensure you understand their strategy, or being answering that urgent email during the weekend.
I’m so glad I found them and so will you.

Fergus & Margaret have been our nest egg's guardians for several years & we can recommend them with a highest degree for their financial services.

We have been fortunate in having Fergus and Margaret Hardingham advising us for many years. They are firstly completely independent, so their advice is objective, and we trust that advice. They are responsive and prompt, and are able to explain our financial planning and future proofing in terms that we can understand. I am certain our financial position would not be so secure as it is without their management. We highly recommend their service

Fergus and Margaret have been fantastic helping build my family's 360 financial plan. They are very thorough and always willing to go above and beyond and I would highly recommend them to help guide you along your financial journey.

Fergus & Margaret have been our nest egg's guardians for several years & we can recommend them with a highest degree for their financial services.

After a lot of research I chose FM Financial Solutions for their independence, and so glad I did. I could not recommend them highly enough! Fergus and Margaret have taken the time to understand my lifestyle goals, aligning my financial plan to achieve them. Their advice is clear and achievable while providing a breadth of information including alternate perspectives. The service has been excellent; prompt and personalised. I have been with them for a few years now and intend to stay. I absolutely trust them.

Fergus and Margaret are fantastic, and we couldn’t be happier with their service. They take no commission and only charge a set annual fee. No affiliation with other financial institutions makes us feel that we can trust their advice completely. It’s a huge ask to rely completely on others to deal and organise your own personal finances, but we are more than comfortable using the service of both Margaret and Fergus Hardingham.

We've been with FMFS since 2013. They listen, have always been well prepared for meetings and follow everything up. We really value their advice.

Fergus and Margaret have been our advisors for seven years and have done a great job with our little nest egg. They have our full confidence. Ron & Felicity James

These are THE best financial advisors. I have used them now for ten years, and am extremely grateful to them for their accurate advice, and for how they ensure that my financial future is secure. They do not receive commission from anywhere and, subsequently, their services are fee based.that is, I pay them a flat fee each year. In doing so, they are not aligned to any third party and you know your money is invested for your financial future alone and for no other reason. All of my close family, and many friends, now use FM Financial Solutions. I could not recommend them more highly. Please note: I am a client, I am not related to them, and we have purely a business relationship. My review is based on fact and my extremely positive experience over a long time.

Fergus and Margaret have been fantastic helping build my family's 360 financial plan. They are very thorough and always willing to go above and beyond and I would highly recommend them to help guide you along your financial journey.

A truly independent financial advisor, who take no commissions at all from any financial institutions. You can therefore be assured that all decisions taken, and recommendations made, are designed with the sole purpose of achieving your personal financial goals, and not theirs! Don't expect to be offered get rich quick investment choices, or stellar returns, as their approach is conservative. But your money will be in very safe hands.

Fergus & Margaret are competent, honest & reliable Financial Advisors and we are very happy with their service. They are hard working and have only our best interests in mind at all times. They provide a Fee based service with no commissions and can be trusted that they are 100% independent. Entrusting your hard earned money with others can be difficult but having been with them for 3+ years I am happy I decided to engage them.