Financial Planning

The team at FMS Group offers tailored financial planning services across the Central Coast and Sydney’s North Shore, helping individuals and families take control of their financial future.

Whether you’re planning for retirement, growing your investments, managing debt, or simply wanting to feel more confident with your finances, our financial planners provide clear, practical advice that aligns with your goals, values, and lifestyle. Your financial future depends upon the choices you make now.

Ask Us About Financial Planning!

Why Financial Planning Matters

Financial planning isn’t about being perfect with money, it’s about being intentional. With the right plan in place, you can:

Make informed decisions with clarity and confidence
Improve your financial wellbeing and reduce stress
Build and protect your wealth over time

We help you look at the whole picture, from short-term priorities to long-term goals.

Our Financial Planning Services

FMS Group provides advice and support in key areas including:

Investment Planning – Build a diversified investment portfolio suited to your goals and risk tolerance.
Superannuation Advice – Make sure your super is working hard and aligned with your retirement goals.
Retirement Planning – Plan ahead to enjoy the lifestyle you want later in life.
Debt Management – Reduce or restructure debt to improve cash flow and free up future options.
Risk Protection – Safeguard your income, assets, and family with the right insurance strategies.
Tax-Effective Strategies – Structure your finances to reduce tax and keep more of what you earn.
Mortgages & Loans – Secure the right loan for your needs, whether you’re buying your first home, refinancing, or investing in property.

As a full-service firm, we work closely with our in-house accounting and lending teams to ensure every strategy is considered, integrated, and working towards your broader financial goals.

Ready to Start Planning?

Whether you’re just getting started or want to optimise your existing strategy, we’re 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.”