Insurance Advice & Risk Management Melbourne
✓ Reliable Personal Insurance Financial Advisors
✓ Tailored Personal Insurance Strategies
✓ Transparent, commission-free guidance
Why Choose Progressive Financial Solutions?
At Progressive Financial Solutions in Melbourne, we understand that protecting your family and loved ones is one of the most important financial decisions you’ll make. Our personal insurance financial advisors take the complexity out of insurance by helping you identify exactly what needs protecting and ensuring you have appropriate cover in place.
We don’t believe in one-size-fits-all insurance solutions. Instead, we work with you to understand your unique circumstances, debts, income needs, and lifestyle goals to recommend tailored coverage that gives you and your family peace of mind.
Our Insurance Advise & Risk Management Process
Personal insurance planning requires careful consideration of your financial obligations and life goals. Our structured five-step process ensures you have the right protection in place.
At Progressive Financial Solutions, our insurance advisors provide clarity, reassurance, and practical guidance tailored to protect what matters most to you.
1. Consultation
An obligation-free first meeting to understand your financial position, dependents, and insurance goals.
2. Financial and Insurance Analysis
A detailed review of your income, debts, expenses, and existing cover using our Insurance Analysis Tool to identify gaps.
3. Coverage Recommendation
Tailored insurance recommendations across Life, Income Protection, TPD, and Trauma Insurance based on your needs.
4. Implementation
Clear guidance on securing the right policies with competitive providers that match your requirements and budget.
5. Monitor & Review
Regular reviews to ensure your coverage remains appropriate as your life and circumstances change.
What We Can Do For You
- Help you identify your insurance needs
- Advise on Life, Income Protection, TPD, and Trauma Insurance
- Provide guidance to secure competitive coverage
- Help you protect your family's financial future
Our Personal Insurance Solutions
Personal insurance is about ensuring your loved ones are protected. Our Melbourne-based financial advisors provide insurance planning focused on your unique circumstances and goals.
Insurance Needs Assessment:
Understanding your financial obligations, dependants, and lifestyle to determine the right level of cover needed.
Life Insurance Advice:
Guidance on life insurance to protect your family’s income, outstanding debts, and future financial security in the event of your premature passing.
Income Protection Insurance:
Advice on income protection cover to replace your income if you’re unable to work due to injury or illness.
Total and Permanent Disability (TPD) Insurance:
Coverage recommendations to protect you and your family if you become unable to work permanently.
Trauma Insurance:
Guidance on trauma insurance to provide financial support following a serious medical event such as heart attack, cancer, or stroke.
Ongoing Reviews and Support:
Regular reviews of your insurance coverage to ensure your protection keeps pace with your changing circumstances and goals.
Hear What Our Clients In Melbourne Have To Say
Meet our team
Joe Formica
Principal Advisor
Paul Formica
Provisional Financial Advisor
Cherrinee Lee
Practice Manager
Jessica Pritchard
Client Service Officer
Mary Efsthatiou
Administration Assistant
Explore Our Personal Insurance Insights and Advice
Frequently Asked Questions
How do you charge for your services?
Our fees are transparent, with no hidden costs. We outline everything clearly in your initial consultation so you know exactly what to expect.
What can I expect from the first consultation?
We’ll review your financial situation, existing cover, and goals, explain our process, and give you a clear breakdown of any costs upfront.
How do I know how much insurance I need?
It depends on your debts, living expenses, dependents, and upcoming life events. Our Insurance Analysis Tool helps calculate the right level of cover, which we’ll go through with you.
What if I already have insurance?
We can assess your current policies to ensure they’re appropriate and cost-effective, and help you adjust or optimise your cover if needed.
What’s the difference between Income Protection and TPD insurance?
Income Protection pays a temporary income if illness or injury stops you working. TPD pays a lump sum if you become permanently unable to work. Both help protect your financial security.
Take the First Step Toward Protecting Your Future
The right personal insurance can safeguard your family, income and lifestyle when life doesn’t go to plan. Book your obligation-free consultation today and we’ll help you understand your options and the cover that fits your needs.
Contact Us
Call: 03 9600 9052
Email: enquiries@progressivefs.com.au
Office: Suite 28 / 2 Enterprise Drive, Bundoora VIC 3083
Opening Hours
Mon–Fri: 9:00 AM – 5:00 PM
Sat–Sun: Closed