Superannuation and SMSF Advice Melbourne

We don’t take ongoing commissions, and there are no hidden costs. Our fees are transparent and based on the level of advice you need. During your initial consultation, we’ll clearly outline the costs involved, ensuring there are no surprises before you proceed.

Common mistakes include underestimating the impact of fees, not reviewing super investments regularly, failing to increase contributions, and not considering tax-effective strategies. It’s important to plan early and regularly assess your strategy. To find out more about securing your financial future, speak to one of our advisors or read our Superannuation and Pension Guide.

Your first consultation is a chance for us to get to know you and understand your financial goals. We’ll review your current superannuation or SMSF setup, discuss your retirement objectives, and explain how our process works. We’ll also provide a breakdown of potential costs, so you have a clear understanding from the start.

Superannuation is Australia’s mandatory retirement savings system. Employers contribute a percentage of your income into a super fund, which is invested to grow over time. The money is yours and can usually be accessed once you reach retirement age. Super helps build long-term financial security by supplementing your income in retirement.

For a detailed breakdown, check out our Superannuation and Pension Guide.

An SMSF (Self-Managed Super Fund) is a private super fund where members manage their own retirement savings and investments. As trustees, they make all decisions and must follow strict legal and tax rules. SMSFs offer more control and investment choice, but require time, financial knowledge, and careful compliance.

At Progressive Financial Solutions, we believe trust should be earned, not assumed. Our team holds multiple respected industry accreditations, including:

• FAAA Membership (Financial Advice Association Australia)
• Accredited SMSF Association Specialists
• Centrepoint Alliance Member
• Certified Financial Planner (CFP) status

These credentials reflect our commitment to ethical, transparent, and client-first financial advice. We’re also fully commission-free, so our recommendations are always based on what’s best for you, not on sales incentives.