Estate Financial Planning Melbourne

Plan with confidence. Protect the people and the assets that matter.
✓ Intergenerational Advice
✓ Trusted Estate Financial Planning Advisors
✓ CFP®, FAAA membership, SMSF specialist recognition
✓ Superannuation, beneficiary nominations, and tax-aware strategies

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Why Choose Progressive Financial Solutions?

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When estate planning is left too late, families can face uncertainty, avoidable tax, and conflict. At Progressive Financial Solutions in Melbourne, we help you create a clear financial plan for the transfer of wealth, so your wishes are carried out and the right people are looked after. We focus on the financial side of estate planning – asset structures, superannuation death-benefit strategies, beneficiary nominations, and tax – and we work with your solicitor to prepare or update the legal documents that give effect to your plan.

Our Process

Estate planning is not a one-off document. It’s a strategy that evolves with your life.

1. Consultation

We learn about your family structure, assets, goals, and any concerns.

2. Superannuation & SMSF Review

We map financial structures use, superannuation and pensions, insurances, trusts, companies, and loan accounts to understand how wealth would pass today.

3. Strategy Development & Recommendations

We design the financial estate plan: asset protection considerations, tax-aware transfer strategies, beneficiary nominations, and BDBNs or reversionary pensions where appropriate.

4. Implementation

We help you put the strategy into action and coordinate with your solicitor for wills, powers of attorney, and trust updates.

5. Monitor & Review

We revisit your plan as laws or circumstances change to keep everything aligned with your wishes.

What We Can Do For You

Advise on tax-effective transfer of investments, property and cash
Review family trusts, companies and ownership to support your wishes
Provide intergenerational advice so wealth moves smoothly between generations
Structure superannuation and pension death benefits to the right beneficiaries
Draft the financial strategy for binding death benefit nominations or reversionary pensions
Liaise with your solicitor to ensure legal documents match the financial strategy

Our Estate Planning Financial Planning Services

Superannuation & Estate Planning

We help you decide how super and pensions are paid on death, and to whom. This includes reviewing dependents, potential tax on adult-child beneficiaries, and whether a reversionary pension or BDBN is more suitable.

Beneficiary Nominations

We review and update nominations across super, pensions and insurance so they reflect your current wishes and remain valid.

Tax-Aware Wealth Transfer

We consider capital gains tax, superannuation tax on death benefits, and the order of asset transfer to reduce the tax your beneficiaries might face.

Asset Structure & Protection

We review ownership across individuals, joint names, companies and trusts to manage risk and support the outcomes you want.

Intergenerational & Aged Care Considerations

We help families plan for aged care funding, Centrelink impacts, and the flow-on effects estate decisions have on cash flow and entitlements.

Working With Your Solicitor

Your lawyer prepares legal documents like wills, powers of attorney and trusts. We provide the financial roadmap and coordinate with them so documents and strategy align.

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.