Risk Management
Financial planning isn’t just about building wealth – it’s also about protecting it. At FMS Group, our risk management strategies are designed to help you and your family stay financially secure if the unexpected happens.
We work with individuals, families, and business owners to identify the risks that could impact your financial future, and put smart strategies in place to safeguard it.
How We Help
Life doesn’t always go to plan. A serious illness, injury or sudden loss can have a major financial impact, but with the right protection in place, you can focus on recovery and what really matters.
We help Clients:
- Review existing personal insurance cover
- Identify gaps in protection
- Choose appropriate insurance types and levels based on your circumstances
- Ensure premiums are structured tax-effectively
- Understand policy terms and what’s covered
- Navigate claims and insurer communication when needed
Our Risk Management Services
- Life insurance
- Total & Permanent Disability (TPD) insurance
- Income protection
- Trauma / Critical illness cover
- Buy/sell agreements for business owners
- Key person insurance
- Insurance held inside superannuation
Protect What Matters Most
It’s easy to put insurance in the “too hard” basket, but getting it right now can make all the difference later. We help you balance cost with coverage, so you’re not over- or under-insured.
Because we’re not tied to any one provider, we’ll always recommend what’s right for you – not what earns us the biggest commission.