Financial Planners in Melbourne

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.

Areas of Advice

Take control of your financial future with expert advice tailored to your needs.

Risk Mitigation

Tax Efficiency

Personalised Financial Strategies

Expert Investment Guidance

Get Started Now

Retirement Planning Advice

Create strategies to ensure a comfortable and financially secure retirement.

Self Managed Super Fund (SMSF)

Directly manage and tailor your superannuation investments.

Investment & Lending Advice

Develop and oversee a diversified portfolio tailored to your risk tolerance and financial goals.

Centrelink Advice

Centrelink and Department of Veterans Affairs (DVA) paperwork to maximise pension entitlements.

Estate Planning Advice

Establishing a plan for the distribution of your assets to heirs, ensuring your wishes are honored and potential legal complications are minimised.

Personal Insurance Advice

Personal insurance is essential for safeguarding your financial well-being against unexpected events.

Tax Advice

Implementing strategies to minimise tax liabilities for accumulators, pre-retirees and Business owners.

Salary Packaging Advice

Salary packaging, also known as salary sacrificing, is an arrangement where you and your employer agree to forego part of your future salary in exchange for benefits of similar value.

Business Succession Planning & Protection Advice

Effective business succession planning is crucial for ensuring the seamless transition of leadership and the long-term success of your company. By proactively identifying and developing future leaders, you can maintain operational stability and safeguard your business's legacy.

Our 6 Step Journey Guide

Understanding your situation

We take the time to understand your financial position and personal circumstances over a 15 minute phone call.

Identifying your goals and objectives

In a 45 minute complimentary meeting with one of our advisers, we dive deeper into your goals, priorities, and what matters most to you.

Analysing your position

We review your current financial position including income, assets, liabilities, superannuation, and insurance to identify key opportunities and risks.

Preparing your financial plan

We design a personalised financial strategy that aligns with your goals and helps you make informed decisions about your future.

Acting on our advice

We take care of the implementation process and handle the paperwork to ensure your strategy is put into place efficiently

Reviewing your plan

We regularly review your plan to ensure it remains on track and continues to support your evolving needs and goals

For more information complete the form and download our PDF

Frequently Asked Questions

What does a financial planner 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.

How do I choose the right financial planner in Melbourne?

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.

Do I really need a financial planner if I already manage my own finances?

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.

What areas of financial planning do you cover?

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.

How much does financial planning cost in Melbourne?

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.

How does Forward Path Advisory’s approach to financial planning differ from other Melbourne based advisers?

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.

What qualifications and experience do the financial planners at Forward Path Advisory have?

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.

How can Forward Path Advisory help me create a personalised financial roadmap that aligns with my long-term goals?

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.

Get in touch

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