Estate Planning

Plan today, protect tomorrow.

Estate planning isn’t just for the wealthy – it’s for anyone who wants peace of mind, clarity, and control over how their assets are managed and distributed. At FMS Group, we provide estate planning services to individuals and families across the Central Coast and North Shore of Sydney, offering trusted advice to help you protect what matters most.

Why Estate Planning Matters

Without a valid will or the right legal documents in place, your loved ones may face unnecessary stress, legal costs, and delays when managing your estate. Estate planning ensures your wishes are documented, your assets are protected, and your family is supported at a difficult time.
Whether you’re looking to create your first will, update an existing one, or put legal safeguards in place, FMS Group is here to guide you.
With offices in Long Jetty and Gordon, we support clients throughout NSW, offering clear and practical advice tailored to your circumstances.

Our Estate Planning Services

Led by Director Christine Hornery, an Accredited Trust & Estate Practitioner, our team provides a range of estate planning solutions, including:

Simple and Complex Wills

From straightforward distributions to more structured arrangements like testamentary trusts, we’ll ensure your will reflects your intentions and meets NSW legal standards.

Enduring Power of Attorney (NSW)

Appoint someone you trust to make financial or legal decisions on your behalf if you’re ever unable to do so.

Appointment of Enduring Guardian (NSW)

Nominate a guardian to make health or lifestyle decisions should you lose capacity to make them yourself.

Review and Update of Existing Estate Documents

If it’s been more than a few years since you reviewed your will – or if you don’t have one in place – now is the time to act.

We also work closely with your accountant, solicitor, or other advisers to ensure your estate plan is aligned with your tax and financial strategy.

Explore our Accounting Services

Common Questions About Estate Planning

Do I need a lawyer to make a will in NSW?

While DIY will kits exist, they often lead to mistakes or disputes. A professionally prepared will ensures your wishes are clear and legally enforceable.

What’s the difference between Power of Attorney and Enduring Guardian?

A Power of Attorney deals with financial and legal decisions, while an Enduring Guardian handles health and lifestyle matters if you’re unable to make them yourself.

When should I update my will?

Any major life change – such as marriage, divorce, buying property, having children, or starting a business – should trigger a review of your estate plan. We recommend reviewing it every 3–5 years.

Secure Your Legacy with FMS Group

A strong estate plan gives your loved ones certainty and reduces the risk of disputes. If you’re ready to take this important step, our friendly and experienced team is here to help.

Testimonials

"FMS has provided 2 important financial services to me over the last few years – the first in guiding me through the accounting steps of running my own business, including paying quarterly GST and what I can claim as business expenses, and the second in finding me a very competitive investment property loan. Stella and James have always been helpful, courteous and friendly, and have educated me on some important tax matters along the way."

"Alicia has been our Accountant for several years now. We have always found her to be very efficient. She is always available to answer any questions that we may have. I would have no hesitation in recommending her to anyone."

"FMS is where the staff are always helpful, courteous and knowledgeable. We have had many years of excellent service as they have guided us towards retirement. They have gone out of their way to help us improve our financial situation. We feel like they are part of the family and care about the service they provide."

"The patience and understanding of Chris, Michelle and Leanne has helped me navigate my way through this new experience of managing my own finances. Just keep on doing what you’re doing!"

"I have had many Accountants over the years and after being totally fed up with my last Accountants ever increasing invoices and bad service I switched to FMS. Well I could not be happier. Stella is fast, efficient, honest, professional and on the ball. If you’re looking for a new Accountant to help with your super or finances I would call FMS and ask for Stella."

"All the professional people that I deal with at FMS regarding my superannuation and tax are very responsive to my needs in a very professional and courteous manner. It is always a pleasure to deal with people like these."

"We started working with FMS Group almost 12 months ago for our business Accounting. Stella has been very prompt, helpful & easy to deal with, our business has thrived & we truly believe Stella is a huge part of why! FMS Group are friendly & make everything so easy! Highly recommend them for any service."

"Couldn’t be happier with the service from FMS Group. Awesome, perfectly guided us through COVID-19."

"We have enjoyed a long and satisfying relationship with FMS as they have helped us achieve our financial goals. The staff at FMS are always helpful and friendly and, our Financial Planner – Nathan, has always acted professionally and with integrity. We are pleased to be part of the FMS group of clients."

“We have been dealing with Nathan at FMS Group for over 4 years. They have become very important to us due to the fact they look after our Major Asset. I deal with the Accountant and the Self-Funded Retirement teams. A very professional and friendly outfit. Wouldn’t hesitate to recommend their services.”