Estate Financial Planning Melbourne
✓ Intergenerational Advice
✓ Trusted Estate Financial Planning Advisors
✓ CFP®, FAAA membership, SMSF specialist recognition
✓ Superannuation, beneficiary nominations, and tax-aware strategies
Why Choose Progressive Financial Solutions?
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.
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
Explore Our Superannuation and SMSF Insights
Frequently Asked Questions
What is the difference between a will and estate financial planning?
A will is a legal document prepared by your solicitor. Estate financial planning sets the strategy for how wealth passes – superannuation nominations, reversionary pensions, asset structures, and tax outcomes – and then your solicitor documents it.
How does superannuation fit into estate planning?
Super usually sits outside your will. We help you decide who should receive super and pensions, how payments should be made, and what tax might apply so more of your savings reach the right people.
Can estate financial planning reduce tax for my beneficiaries?
Yes. The way assets are owned and transferred can impact CGT and the tax on super death benefits. We design strategies that aim to minimise tax and keep more in your estate.
Do I still need a solicitor?
Yes. We create the financial plan and work with your solicitor to put wills, powers of attorney and any trust changes in place.
How often should I review my estate plan?
Review after major life events such as marriage, divorce, a new child or grandchild, selling a business, or receiving an inheritance. Otherwise, a review every two to three years is recommended.
Ready to put a plan in place?
Whether you’re updating nominations or building a complete strategy, our Melbourne team can help.
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