Welcome to First Option Finance Management

Our Services

Years of Expertise

Life Insurance

Ensuring your family’s financial lifestyle needs are catered for in the event of a family’s income ceasing due to a sudden tragedy, injury or illness occurring. This also applies business owner protection purposes.


Planning for your future retirement needs as the government will not be in a financial position to support you to the extent that you’re accustomed to.

Investments / Gearing

Investing your available funds (without effecting your current lifestyle) to create wealth in the most cost and tax effective way that also allows you to leverage off your savings and therefore expedite potential financial growth.

Self Managed Super Funds (SMSF)

Unlike a traditional super fund, SMSF allows you to have greater control of your investments at a lower cost. An example of this would be the ability to purchase an investment property or direct shares by borrowing money to help fund such purchases.

Retirement Planning

Sole purpose of replacing your working income with future income so that you can continue your current lifestyle ideally without relying on the Government age pension.

Estate Planning

To ensure that you’re able to pass on your assets upon death to the right people at the right time.

Mortgage / Debt Management

Our debt specialist provides debt consolidation strategies with the ability to help save money and potentially create future wealth.


Understanding your financial situation and planning a budget that suits your lifestyle needs whilst allowing you the ability to create wealth for future financial goals.

First Home Buyers Advice

Understanding the current housing and financial markets and how you can work towards your dream of owning your first home.

Age Care

Gods waiting room is an area that no one wants to talk about, however the simple fact is you need to. Age Care is growing need that requires planning for the inevitable situation. This is the next stage after retirement planning.

What Our Clients are Saying

Dont just take our word

Richard Starkins

In December 2001 I took out 3 insurance policies with First Option to cover:

  1. Trauma
  2. Income Protection
  3. Life and TPD

At this point in time I was aged 48 and had a successful print management business but as a sole employee/employer.

In April 2014 I was diagnosed with Kidney Cancer. Within a week I was successfully operated on with a left partial nephrectomy.

Had the surgery not taken place I would be dead by now.

After discharge from hospital I inquired from John Blangiardo whether this would be covered under my trauma insurance. On my behalf John made initial enquiries and subject to a medical report the claim would be paid out.

First Option assisted with all the paper work, this with a medical report from my physician, nephrologist and GP were forwarded to the underwriter. The claim was paid within 10 days. How good is that!

I have no hesitation in recommending First Option Financial Management, as they are professional in every sense of the word.

George Kapitelli

I have been with FOFM for over 12 months now and am very impressed with their strong sector knowledge and excellent customer support.

John and the team are very connected with their clients and offer a wide portfolio of support. I can strongly recommend their services.

Hans Langendam

“Just like many others, I found the search for a financial advisor fraught with difficulty. Who do you trust, what products and institutions are they tied too, the ‘fairness’ of fees and commissions.I was originally introduced to John Blangiardo to assist with Income Protection. John’s manner was helpful, informative and caring. As the relationship grew, John would continue to grow my awareness of other financial planning options – no pressure, “whenever you are ready”.Well, Jen & I eventually took the step to develop a vision of the future and allowed John to develop a plan to supplement existing investments and appropriately protect that plan during the journey. The plan has had some stops and starts with the changing circumstances that life brings, but John was patient, generous of his time, redrafting as required and more than fair in how he charged for his services.Undoubtedly I feel we have real advisor who offers opportunities, listens to what we want to do, and is flexible but focused on helping us achieve our vision. I feel well treated by John and his staff whenever I need assistance and he has earned my respect and trust.”

Mrs Sue & Mr Tony Wood

“When it comes to considering your financial affairs, and in needing to take sound advice, to us the important factors to be considered were professionalism, knowledge, honesty and trustworthiness, along with the feeling that the person and company you are entrusting your financial affairs to, has a genuine interest in you and your business. We can very sincerely say that during the past 10 years of our association with First Option and John Blangiardo, that all of our criteria has been met and in fact, surpassed. We treat First Option / John Blangiardo as both our partner and trusted advisor, and have found the support, assistance, guidance, advice, and recommendations to be first rate, and as a result, have seen our asset portfolio grow in secure hands, whilst representing excellent value for money. We thoroughly recommend First Option / John Blangiardo to others, and feel sure, that like us, they will be delighted with the service, advice, results, and care displayed.”

Graeme McDonald

“I have been a client of John’s for about 7 years. I initially sought John out in regards to Income Protection. Since then he met and exceeded my expectations from both a service and advice point of view. Over the past John has moved from just an adviser, to a trusted adviser and friend.”

Ian & Carol Martin

ACR International Pty. Ltd.

We appreciate the services that you have provided to our company ACR International Pty. Ltd. Over the past six years.During our association, your intricate knowledge of the business and financial aspects of our company has assisted us in trading profitably and attaining a competitive edge. Also your suggestion in 1999 regarding selling the factory and re-investing the proceeds in your Managed Funds has been very successful along with the profits of the margin lending account.We have total confidence in your honesty, loyalty and advice and we look forward to the results of your latest recommendation in the Phillip Island projects.”