Business Financial Advisers in Melbourne
✓ Independent, boutique advice built around your business
✓ Strategies for cash flow, tax efficiency, and asset protection
✓ Transparent, commission-free guidance
Why Choose Progressive Financial Solutions?
Running a business leaves little room for your personal finances. Your company and your household wealth are linked, so a decision in one moves the other. As business financial advisers in Melbourne, Progressive Financial Solutions manages both under a single strategy, tailored to your goals, from cash flow to succession.
We understand corporate structures, cash-flow pressures, and tax efficiency. As an independent, boutique firm, our advice stays impartial and commission-free. You get a small-business financial adviser who handles the details, so you can keep your focus on trading while we protect your family from the risks the business carries.
How We Help Business Owners
As financial advisers to business owners, we build strategy around your biggest asset and biggest risk.
Business Risk and Asset Protection
We structure key person insurance, business expenses cover, and buy/sell funding, so a partner's illness or death does not stop trading.
SMSF and Commercial Property Strategy
We assess whether a self-managed super fund suits you, including holding your commercial premises inside it and leasing back at market rate.
Wealth Creation Outside Your Business
Diversification protects you. We build investment portfolios separate from your company, giving you liquid wealth outside daily trading.
Tax-Effective Profit Extraction
We work with your accountant on salary, dividends, superannuation, and structure, so you keep more of what the business earns.
Succession and Business Exit Planning
Whether you sell, pass it to family, or step back, we design a tax-effective exit plan to protect its value.
Integrated Advisory and Financial Administration
We bring your investments, superannuation, insurance, and tax together, and work alongside your accountant and solicitor so nothing is overlooked.
Our Process
Good advice follows a clear path. Our five-step process builds, implements, and refines your strategy, with clarity at every stage.
Our advisers give you proactive guidance that evolves as your business and personal circumstances change.
1. Consultation
An obligation-free conversation to understand your goals, your business, your assets, and your risk tolerance.
2. Financial Review
We examine your full position, including business structure, cash flow, superannuation, insurance, and tax, to find gaps and opportunities.
3. Strategy Development and Recommendations
We develop a personalised strategy aligned with your goals, risk profile, and long-term plans.
4. Implementation
We put the strategy into action with care, coordinating with your accountant and legal advisers where needed.
5. Ongoing Monitoring and Reviews
Regular reviews keep your plan relevant as your business grows and your circumstances change.
What We Can Do For You
- Separate and protect your personal wealth from business risk
- Structure insurance and buy/sell funding around your business
- Assess SMSF and commercial property strategies
- Build investment wealth outside your company
- Plan a tax-effective exit or succession
Hear What Our Clients In Melbourne Have To Say
Meet our team
Our experienced financial advisors in Melbourne work with you to create a thoughtful, structured estate plan. From managing assets to planning for future generations, we help ensure your wishes are clear and your legacy is protected.
Joe Formica
Principal Adviser
Joe Formica
Principal Adviser
Paul Formica
Financial Adviser
Paul Formica
Financial Adviser
Cherrinee Lee
Practice Manager
Cherrinee Lee
Practice Manager
Jessica Pritchard
Associate Adviser
Jessica Pritchard
Associate Adviser
Mary Efsthatiou
Administration Assistant
Mary Efsthatiou
Administration Assistant
Frequently Asked Questions
How do I separate my personal wealth from my business risk?
Structure and insurance do the work. We hold your personal investments outside the company, fund buy/sell, and key person cover for partnership and health risks, and use ownership structures suited to your situation. The aim is simple. If the business struggles, your family’s wealth stands apart from it.
Is it possible to buy my commercial premises through my SMSF?
Yes. An SMSF is allowed to hold business real property and lease it to your business at market rate. Done well, rent builds your retirement savings instead of a landlord’s, and the property sits protected inside super. The rules are strict, so we assess suitability, borrowing, and cash flow before you proceed.
I already have a great accountant. Why do I need a financial adviser?
Your accountant reports on what has happened. A financial adviser plans what happens next. We focus on wealth outside the business, personal insurance, superannuation, investments, and your exit. We work with your accountant, not around them, so tax and strategy line up.
What happens to my business and family if illness or injury stops my business partner or me from working?
Without cover, the business bears the loss, and your family feels it. We put key person insurance, business expenses cover, and buy/sell agreement funding in place, so the business keeps running and any exit happens on fair, pre-agreed terms.
How do we get started, and what does the first meeting look like?
Book an obligation-free call. The first meeting covers your business, your personal position, and your goals. You leave with a clear view of where you stand and the options in front of you. No cost, no obligation.
Ready to put a plan in place?
Your business deserves a financial strategy built around it. Book an obligation-free consultation with a business financial planner who understands Melbourne-based business owners.
Contact Us
Call: 03 9600 9052
Email: enquiries@progressivefs.com.au
Office: Suite 28 / 2 Enterprise Drive, Bundoora, Melbourne VIC 3083
Opening Hours
Mon–Fri: 9:00 AM – 5:00 PM
Sat–Sun: Closed