27+ Years of Experience

Our senior Financial Advisors in Melbourne hold Certified Financial Planner™ (CFP®) qualifications and bring over 27 years of experience to the table.

Financial Experts

With our dedicated team of certified financial planners and legal experts, we provide tailored financial advice and retirement planning solutions for clients in Melbourne.

Our Specialty

We specialise in retirement planning and Self Managed Super Fund (SMSF) consulting, guiding Melbourne clients through the complexities of retirement savings and ensuring effective regulatory compliance.

We like to keep things simple in an ever changing world.

Our wonderful clients come to us for:

Personalised Financial Solutions
Client Centric Philosophy
Proactive Risk Management
Education & Empowerment
Ethical Practices

A Word From Our Clients

Rhys, Radz and Joel. Honest and trustworthy. This is what you need from the people dealing with all your money. They are honest and trustworthy. Could not be happier with the services they have given me. Not to mention that they are great lads. That helps too. Keep up the great work boys.

Jordan Partridge,

Client

I recently had the pleasure of working with Joel Cleary and Radz Je from Forward Path Advisory for my SMSF and retirement planning needs. Their exceptional service and extensive knowledge in high end SMSF advice truly stood out. The entire end to end process was smooth and seamless, leaving me confident and well informed about my financial future. I highly recommend Joel and Radz to anyone seeking top tier advice on SMSF and retirement planning. Their professionalism and expertise are unparalleled.

Lauren Hofer,

Client

I wholeheartedly recommend Radz, Joel, and the entire team at Forward Path Advisory! Their expertise has been instrumental in securing a better financial future for my family. They have provided invaluable assistance in managing my superannuation, optimizing my insurance coverage, and making more informed financial decisions. If you have any uncertainties about your finances, I strongly suggest reaching out to Radz and the team to schedule a meeting.

Adam Wilding,

Client

Radz and Joel are great. I particularly like the fact that they didn't push products on me - I could tell that they had my best interests in mind at a number of critical points. Very down to earth and I could tell we share similar values. Highly recommend and will continue to use in the future as well as recommending to my own family/friends/colleagues.

Daniel Kelly,

Client

Retirement

Reach your full potential with our expert teams

Navigating retirement can be complex. With increasing life expectancies and living costs, managing your retirement income is crucial. Let our Melbourne based financial advisors assist you in planning ahead.

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SMSF

We can help provide advice on Self Managed Super Funds

Seeking flexibility and control over your superannuation, both now and into retirement? Join over 1 million Australians who have chosen to invest through a Self Managed Super Fund (SMSF). An SMSF offers greater control over your investment choices and flexibility in retirement planning. Take charge of your financial future today.

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Legal Advice

We help assist our clients with obtaining legal advice.

Whether you require assistance with fundamental legal services such as drafting wills, establishing powers of attorney, and creating estate planning documents or need support with more intricate legal matters, we can connect you with specialist practitioners to address your specific needs.

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Business Succession Planning

We assist our clients with obtaining the right business succession solutions.

We ensure a smooth transition when the time comes to pass on ownership or control of your business.

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We create tailored packages for you

At Forward Path Advisory, our financial advice service is designed to provide tailored solutions to meet your unique financial goals, regardless of your life stage. Whether you’re planning for retirement, building wealth, managing investments, or seeking guidance on specific financial decisions, we collaborate closely with you to develop a strategy that aligns with your needs and aspirations.

We begin by understanding your financial situation and objectives, then offer expert guidance in areas such as retirement planning, superannuation management, personal insurance advice, investment strategies, cash flow management, and tax planning. Our personalised approach ensures that every recommendation is based on a comprehensive understanding of your current circumstances and future goals.

We also ensure that your financial plan is flexible enough to adapt to life’s changes, from unexpected expenses to new opportunities. Whether you’re looking to optimise your superannuation, protect your assets, or grow your wealth, our team provides clear and actionable advice to keep you on track. We are committed to delivering transparent, easy to understand advice that empowers you to make informed decisions with confidence.

Serving clients in Melbourne and across Australia, we provide ongoing support to help you manage your finances effectively, adjust your plan as needed, and stay on course to achieve financial security.

Our 6 Step Journey Guide

Planning your ideal retirement starts here. This guide offers clear steps to help you make informed decisions, align with your financial goals, and secure the future you deserve. Start today to create the retirement lifestyle you’ve always imagined.



    Click here to download PDF

    Meet our team of experts

    At Forward Path Advisory, our team comprises of financial advisors seasoned professionals dedicated to guiding you towards financial success. With extensive experience in financial planning, investment advice, and wealth management, we offer personalised strategies tailored to your unique goals. Our commitment to excellence ensures that you receive comprehensive and trustworthy advice, empowering you to make informed decisions for a secure financial future. Meet our team and discover how we can assist you on your financial journey.

    Get to know the team

    Get in touch

    We’d love to hear from you! Fill out the form below, and we’ll get back to you shortly.

      Recent Financial Planning Articles

      Frequently Asked Questions

      What does a financial planner or advisor do, and how can they help me?

      At Forward Path Advisory, our financial planners provide strategic advice to help you build, protect, and grow your wealth. We specialise in:

      • Retirement planning – Helping you achieve financial freedom in your later years.
      • Investment management – Tailoring diversified investment portfolios.
      • Self Managed Super Funds (SMSFs) – Advising on SMSF setup, investment strategies, compliance, and ongoing management to maximise control over your retirement savings.
      • Tax planning – Structuring your finances efficiently to minimise tax liabilities.
      • Estate planning – Ensuring your wealth is distributed according to your wishes.
      • Insurance advice – Protecting your income and assets.
      • Cash flow management – Helping you take control of your finances.

      We take a holistic and personalised approach to help you make smart financial decisions that align with your goals.

      When selecting a financial planner, consider:

      • Qualifications – Our advisers hold industry-recognised accreditations, including FASEA compliance and CFP certification.
      • Experience – With decades of combined experience, Forward Path Advisory has a proven track record of delivering strategic financial solutions.
      • Transparent fees – We operate on a fee-for-service model, ensuring no hidden commissions.

      Client Testimonials – Read and watch what our clients say about us through Google reviews and video testimonials.

      Even if you are confident in managing your finances, a professional financial planner can:

      • Identify investment opportunities and tax-saving strategies you may have overlooked.
      • Gain access to investment options that are not typically available to retail investors.
      • Providing expert guidance and a space to discuss and evaluate different strategies.
      • Provide objective financial advice tailored to your personal goals.
      • Help navigate complex financial regulations and superannuation laws.
      • Keep your financial plan up to date with market trends and legislative changes.

      At Forward Path Advisory, we do not offer generic advice—we create custom financial strategies that optimise your wealth.

      Our services at Forward Path Advisory include:

      • Retirement planning – Superannuation strategies, pension planning, and wealth preservation.
      • Investment management – Building diversified and tax-effective portfolios.
      • Tax planning – Structuring finances for maximum tax efficiency.
      • Estate planning – Ensuring your wealth is passed on smoothly.
      • Insurance advice – Income protection, life insurance, and risk management.
      • Cash flow and budgeting – Helping you optimise spending and savings.
      • Self-Managed Super Funds (SMSFs) – Advising on SMSF setup, investment strategies, compliance, and ongoing management to maximise control over your retirement savings.

      The cost of financial planning varies based on the complexity of your financial needs. At Forward Path Advisory, we offer a transparent pricing structure that reflects the level of service and advice required. Our fees are structured to provide ongoing value, ensuring a long-term partnership that supports your financial success.

      • Client focused approach – We take the time to understand your unique goals rather than offering one size fits-all advice.
      • Proactive strategy reviews – Your financial plan is continuously adjusted based on market changes and your evolving needs.
      • Technology driven insights – We utilise advanced financial modelling and AI-powered tools for smarter investment decisions.
      • Transparent and ethical advice – No commissions, no conflicts—just genuine financial guidance tailored to you.
      • Client Testimonials – Backed by 157 Google reviews and 12 video testimonials from satisfied clients.

      At Forward Path Advisory, our financial planners bring a strong combination of academic expertise, industry accreditation, and hands-on experience to help clients navigate their financial future.

      Joel Cleary – Academic Credentials:

      • Bachelor of Commerce (Finance and Economics), University of Melbourne
      • Certified Financial Planner (CFP®), FAAA
      • FASEA Accredited
      • SMSF Specialist – Kaplan Professional

      Radz Je – Academic Credentials:

      • Bachelor of Business (Financial Risk Management), Victoria University
      • Master of International Finance, Deakin University
      • Certified Financial Planner (CFP®), FAAA
      • FASEA Accredited
      • SMSF Specialist – Kaplan Professional

      With decades of combined experience, our advisers specialise in financial planning, wealth management, retirement strategies, and SMSF advice, ensuring clients receive expert, compliant, and tailored financial solutions.

      We start by understanding your aspirations—whether that is retirement security, wealth accumulation, tax efficiency, or investment growth. Our process includes:

      • Comprehensive fact finding – Understanding your financial situation, risk tolerance, budgeting and goals.
      • Tailored strategy development – Creating a financial roadmap that aligns with your objectives and your financial destination.
      • Ongoing support and adjustments – Regular strategy updates to ensure your financial plan evolves with you.
      • Ongoing Wealth Management– Continuously managing your wealth with evolving strategies aligned with market cycles, your goals, and risk tolerance.

      At Forward Path Advisory, we believe in financial empowerment—helping you take control of your wealth with confidence and clarity.