Our Team

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Fergus Hardingham
Director & Financial Planner


Bachelor of Business from University of Queensland
Diploma of Financial Planning from Deakin University
Certified Financial Planner™ (CFP™)
Justice of the Peace (JP)
Specialist courses in Self Managed Super Funds from Kaplan

Starting off his financial planning career in 2000 - the start of the ‘Tech Bust’- after a career in hospitality and property management, Fergus, joined a semi-government superannuation fund’s Financial Planning arm as a Para-Planner where he was able to grow his superannuation knowledge and strategy development. By 2004 Fergus had reached the position of Regional Financial Planning Manager. Fergus saw that there were only a handful of independent financial planning firms operating in Australia, and was passionate about providing clients with unbiased advice that was in the client’s best interests.

So where to? The natural progression was to establish with Margaret an Independent Financial Planning firm that was focused not on the ‘sale-of-product’ to increase revenue, but on helping clients to achieve their financial and life-style objectives with greater certainty.

Spending time with family.
Kayaking around Sydney’s beautiful harbour and now and then participating in the 111km Hawkesbury Canoe Classic.
Watching Rugby.
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Margaret Hardingham
Company Secretary & Financial Planner


Diploma of Financial Planning from Deakin University
Certified Financial Planner™ (CFP™)

Margaret partnered with Fergus to establish FM Financial Solutions in 2004 and completed the Diploma of Financial Planning and then the Certified Financial Planner course in 2011.

Margaret while being a Certified Financial Planner is principally responsible for business operations and compliance. Her attention to detail learnt throughout her training as a pharmacist is also vital in ensuring the quality of all advice presented to our clients.

Spending time with family.
Reading (especially finance related publications!).

“Complexity is your enemy. Any fool can make something complicated. It is hard to make something simple.”

—Sir Richard Branson—

FM Financial Solutions P/L
Suite 2.12, 55 Miller Street

PHONE: 02 – 9518 7822
AFSL: 327 277 ABN: 87 108 527 617
Tax (financial) adviser: 24827576