Client Testimonials

Who are our clients?

Our clients come from a range of occupations and professions.
They are all:
  • motivated to maximise and protect their wealth
  • looking for quality, independent, unbiased advice
  • keen to increase the certainly of achieving their goals
  • aware of the value of reducing complexity in their financial arrangements.
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  • “…trustworthy, well informed, hardworking advisers who, most importantly, are truly independent.
    "I am happy to recommend Fergus & Margaret as financial advisers. It was very important to my husband and me to find trustworthy, well informed, hardworking advisers who, most importantly, are truly independent. That description certainly fits Fergus & Margaret. Too many financial advisers are not independent and unfortunately are little more than salesmen pushing products. As a solicitor, I know how important it is to retain a professional adviser who I can be assured works in my family's interest alone, without he or she being influenced by personal considerations. Fergus & Margaret's friendly, personal service since we became their clients in early 2009 has been excellent."

    —S & M Peterson—

  • “Communication is excellent and we are kept very well informed.”
    “The reason for my search was…our dissatisfaction with my previous advisor. This dissatisfaction was due to (in retrospect) poorly thought-out advice, lack of attention to detail, general shoddiness, and severe lack of communication or any evidence of proper monitoring of our situation. This was particularly disturbing in view of the fact that we put our finances in his hands just before the GFC hit, and did not feel supported in any way during this time. He took his (significant) commission regardless, and we felt, to put it plainly, 'ripped off'.
    I am happy to say that FM Financial Solutions could not be more different (from many other businesses we have dealt with) in the way it does business and the service it provides. The advice we have received has been carefully thought-out and realistic, everything has been meticulously documented. Communication is excellent and we are kept very well informed. Fergus and Margaret have given consideration to our overall situation and covered all bases. We now have a much better idea of where we are headed financially and how to get there. We feel that we are in 'safe hands' and that this business is conducted with honesty and integrity.”

    —K & D Turner—

  • “…The service … excellent in every respect. The reporting that we receive has been detailed and insightful.”
    “Fergus Hardingham was highly recommended to us by the chairman of an industry superannuation fund. He knew Fergus well and commended him for his enthusiasm and passion for financial planning. We have found Fergus to be extremely thorough and very efficient and prompt in answering questions whether by phone or e-mail. There has not been one occasion when Fergus has failed to answer a question. We value this level of responsiveness very highly. The other issue that attracted me to Fergus was his "fee for service" approach to his business. We were well aware of the exorbitant commissions that some advisers receive in the form of trailing commissions and % based fees.
    The service that both Fergus and Margaret have delivered to us has been excellent in every respect. The reporting that we receive has been detailed and insightful. We look forward to our continuing relationship with them into the future.”

    —J and S Bock—

  • “We have immense confidence in Fergus’s financial ability. We unreservedly recommend his service.”
    “We first met Fergus Hardingham 3 years ago and during the time he has been our financial advisor we have learnt to appreciate his professionalism. His attention to detail and record keeping is meticulous. Fergus contacts his clients frequently to keep them informed. He seeks confirmation of all actions and works diligently in the interests of his clients. We have immense confidence in Fergus’s financial ability. We unreservedly recommend his service.”

    —David and B Rayner—

  • “…very knowledgeable and sensitive with his advice and direction, which has led to a sound and profitable financial plan ….”
    “We have found Fergus to be very knowledgeable and sensitive with his advice and direction, which has led to a sound and profitable financial plan for my wife and myself. As a result, when Fergus decided to leave FuturePlus and establish FM Financial Solutions with his wife, Margaret, we had no hesitation in deciding to retain Fergus’ services, and thus became clients of FM Financial Solutions.
    My wife and I have no hesitation in recommending Fergus Hardingham to advise, develop and administer financial plans for any person who is retired or considering retirement.”

    —D Herd and J Herd—

  • “…their attention to detail, proactive service standards and trustworthiness to be first rate…”
    “I cannot praise enough the ability of Fergus and Margaret in providing first rate advice on all aspects of financial advice. It was for this reason that when I retired in November 2004 I transferred my superannuation portfolio to them as quickly as I could. I consider their attention to detail, proactive service standards and trustworthiness to be first rate and my wife Barbara and I are pleased we made the right decision in November 2004 in selecting them both as our financial advisors.”

    —T and B Kelly—

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  • “Leading up to my retirement … built a good rapport with Fergus and relied heavily on his advice.”
    “Leading up to my retirement both my wife and I built a good rapport with Fergus and relied heavily on his advice. When Fergus made a decision to leave FuturePlus and establish FM Financial Solutions we decided to retain his services. Both my wife and I have no hesitation in recommending Fergus Hardingham to any person who is considering retirement to assist and advise them in financial matters.”

    —R and R Johnston—

  • “The financial Statement of Advice … was presented clearly and concisely and was very easy for us to understand.”
    “When we decided to retire we sought advice from our Superannuation Fund and Fergus Hardingham was the financial planner assigned to us. The financial Statement of Advice he prepared for us was presented clearly and concisely and was very easy for us to understand. Fergus made every effort to ensure we understood exactly where and how our money was to be invested and how our income stream would work.
    Fergus is always available, by phone or email, for any queries we might have and our questions have always been answered quickly. He constantly reviews our portfolio to recommend improvements to our investments. We would have no hesitation in recommending FM Financial Solutions Pty Ltd.”
    —G and J Capsanis—
  • “… wanted someone with a personal touch, we found that in Fergus and Margaret.”
    “My wife and I knew nothing about investing our money and wanted someone with a personal touch, we found that in Fergus and Margaret. We will forever be grateful to both of them, rest assured, the next time we encounter any such problems we hope Fergus and Margaret will be there for us. We have recently moved to Queensland but will continue our association with Fergus and Margaret.”

    —T and B Clarke—

  • “…helpful, prompt and accurate in their assessment of our financial affairs.”
    “We have no hesitation in recommending Fergus and Margaret Hardingham. From their initial interview right through the completion of our superannuation and Centrelink (Age Pension) arrangements we found them to be very efficient. We also found them to be helpful, prompt and accurate in their assessment of our financial affairs.”

    —J and R Griffiths—

  • “…no commissions …, means that the advice you receive is in your interests only and not in the adviser’s.”
    "Fergus Hardingham is exactly the type of honest, extremely-well-informed financial advisor who cares about his clients' positive financial future. In doing so, Fergus constantly monitors each investment and makes immediate recommendations depending on the situation. His fee-based services, and the fact that he accepts no commissions from anyone, means that the advice you receive is in your interests only and not in the adviser's. The long-term and positive outcome for him in doing so is in referrals, and I have referred many friends to him that have subsequently become his clients. Each is extremely satisfied, as I am, that their financial future is in the safest of hands. I could not recommend him more highly.”

    —D. Lonsdale—

  • “… the personal interest … professional approach, tailored to our objectives.”
    "Fergus. and Margaret, have been our financial advisers for many years, leading up to and since our retirement. We have appreciated the personal interest they take in our concerns and their professional approach, tailored to our objectives. “

    —W & E Hatton—

  • “… Fergus and Margaret feel like family members that have all the answers to our financial needs.
    "To be honest, we don't know where we would be without Fergus's insightful knowledge of the complexities of our financial situation. He and Margaret have helped us transcend into retirement with ease. They contact us regularly and we find their style to be very transparent, cordial, professional, and above all trustworthy in every way. Fergus and Margaret feel like family members that have all the answers to our financial needs. We appreciate their advice to the letter. Warm regards, Mark and David”

    —Mark and David—

  • “… make retirement an enjoyable and worry free time …”
    "I am confident that Fergus & Margaret Hardingham do everything possible to make retirement an enjoyable and worry free time for my husband and I.”

    —K and L Szabo—

FM Financial Solutions P/L

Suite 2.12, 55 Miller Street
PYRMONT NSW 2009


PHONE: 02 – 9518 7822
AFSL: 327 277 ABN: 87 108 527 617