Forward Path Advisory

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, investment management, Self Managed Super Funds (SMSFs), tax planning, estate planning, insurance advice, and cash flow management. 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 in Melbourne, consider qualifications (our advisers hold CFP certification and FASEA compliance), experience (we have decades of combined experience), transparent fees (we operate on a fee-for-service model with no hidden commissions), and client testimonials (we have 157+ Google reviews and video testimonials from satisfied clients).

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

Even if you're confident managing your finances, a professional financial planner can identify investment opportunities and tax-saving strategies you may have overlooked, provide access to investment options not typically available to retail investors, offer expert guidance for evaluating different strategies, provide objective financial advice tailored to your personal goals, and help navigate complex financial regulations and superannuation laws.

What areas of financial planning do you cover?

Our services at Forward Path Advisory include retirement planning (superannuation strategies, pension planning, wealth preservation), investment management (building diversified and tax-effective portfolios), tax planning (structuring finances for maximum tax efficiency), estate planning (ensuring wealth is passed on smoothly), insurance advice (income protection, life insurance, risk management), cash flow and budgeting (optimising spending and savings), and Self-Managed Super Funds (SMSF setup, investment strategies, compliance, and ongoing management).

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. We operate on a fee-for-service model with no hidden commissions.

How does Forward Path Advisory's approach differ from other Melbourne financial advisers?

Our approach differs through our client-focused methodology (understanding your unique goals rather than offering one-size-fits-all advice), proactive strategy reviews (continuously adjusting your financial plan based on market changes and evolving needs), technology-driven insights (utilising advanced financial modelling and AI-powered tools for smarter investment decisions), and transparent, ethical advice (no commissions, no conflicts—just genuine financial guidance tailored to you), backed by 157+ Google reviews and video testimonials.

What qualifications do your financial planners have?

Our financial planners bring strong academic expertise and industry accreditation. Joel Cleary holds a Bachelor of Commerce (Finance and Economics) from University of Melbourne, is a Certified Financial Planner (CFP®), FASEA Accredited, and SMSF Specialist. Rathakrishna Jeyabalasingam (Radz Je) holds a Bachelor of Business (Financial Risk Management) from Victoria University, Master of International Finance from Deakin University, is a Certified Financial Planner (CFP®), FASEA Accredited, and SMSF Specialist.

Do you offer SMSF advice and management?

Yes, we specialise in Self Managed Super Fund (SMSF) advice and management. Our SMSF services include setup and establishment, investment strategy development, compliance and regulatory requirements, ongoing administration, tax planning within SMSF structures, and retirement planning through SMSFs. Both Joel and Radz are qualified SMSF specialists through Kaplan Professional.