What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Building Blocks Financial Planning

Home
Australia
Melbourne, VIC
Building Blocks Financial Planning

Our team at Building Blocks FP are passionate about building simple financial plans for our clients.

Edpat Financial Services Pty Ltd ABN 47 162 281 478 trading as Building Blocks Financial Planning Corporate Authorised Representative No. 438088 Alliance Wealth Pty Ltd ABN 93 161 647 007 | AFSL 449221 www.centrepointalliance.com.au/fsg/aw

30/08/2026

Not a sales pitch - just five things we've seen the value of, time and time again. In our opinion, these are worth it.

1️⃣ Getting a proper will in place.
2️⃣ An offset account on your mortgage (and actually using it properly)
3️⃣ Income protection insurance.
4️⃣ Good financial advice.
5️⃣ Salary sacrificing into your super, early on.

👉 Follow for more easy money tips.

___

*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

28/08/2026

We get it. Insurance is boring. Until you need it, and then you'll want to kick your past self for not sorting it sooner.

Most people are paying for insurance they don't actually need, or worse, defaulting to insurance that won't actually pay out when they need it most. Both are expensive mistakes, just in different ways.

Our free insurance review means we'll review what insurance you need for where you're at and make sure it will genuinely back you up if life goes sideways.

The idea is to get it sorted once - property. Then you can (more of less) forget about it.

📆 Book at https://bit.ly/3OL46JL
📞 Call us on 03 9748 7999
📩 Email [email protected]

27/08/2026

In your 30s and 40s, a curveball could affect your mortgage, young kids, or a household relying on your income to keep everything running. Here's a quick guide to the four key types you should know 👉

25/08/2026

Short answer: no. Australia abolished inheritance and estate taxes back in 1979, so there's no government levy on what you inherit, full stop.

But "no inheritance tax" doesn't mean "no tax at all." Here's what can actually apply:

👉 Capital gains tax (CGT) - if you inherit an asset and later sell it, CGT can apply, calculated using the original cost base (sometimes decades old). If it was the deceased's main residence, selling within 2 years of death is generally fully exempt.

👉 A newer wrinkle for family homes in trusts - draft ATO guidance released in 2026 is tightening how that main-residence exemption applies when a home is left via a testamentary trust rather than directly in the will. If your estate plan uses a trust structure, it's worth having this checked.

👉 Super death benefits tax - if your super is paid to a non-tax-dependent (most commonly an adult child), tax of up to 32% can apply on the taxable component. Paid to a spouse or dependent child, it's generally tax-free.

👉 Income tax on the estate itself - any income the estate earns while being administered (rent, dividends, interest) is taxed, generally at individual rates for the first three years, then at higher trust rates if the estate stays open longer than that.

So while there's no "inheritance tax" by name, the tax consequences can still be very real - and mostly come down to how your estate is structured, not how much you leave behind.

Not sure what your next steps are? That's our job.

📆 Book at https://bit.ly/3OL46JL
📞 Call us on 03 9748 7999
📩 Email [email protected]
____

*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

23/08/2026

From the outside, their lives look amazing. From the inside, it was close to the edge. One bad month, and they were done.

This was a classic case of more income but zero intentional spending. They simply added the things to their lives they 'felt' they could afford - even if it came with a high interest rate. At some point, it all catches up.

These guys needed a good restructure of their debt, to figure out where the money was going, and to focus on the basics: like reducing debt and an emergency fund, before working on their lifestyle goals.

Whether you earn $50k or $500k: it's what you do with it that counts.

👉 Follow along for more stories from the world of finance.

21/08/2026

Some people are counting down the days. Others feel completely unprepared. And some aren't thinking about it at all.

But here's the thing: there's no single number that works for everyone.

Your dream retirement might mean caravanning around Australia, seeing the world, or simply taking the grandkids out for brekkie every few weeks. It's about what you actually want, not some generic formula.

We offer a free Retirement Review to give you a clear, honest picture of what your dream retirement will take: and what's working, what needs adjusting, and what your choices really look like from here.

And the earlier you start - the better.

📆 Book at https://bit.ly/3OL46JL
📞 Call us on 03 9748 7999
📩 Email [email protected]

19/08/2026

For 32 years, he had handled the money. She never thought about it. Until he passed away unexpectedly at 61.

Suddenly she was dealing with grief, and trying to navigate her finances. She had no idea where to start, or even how much they had put away for the future.

Our team helped her understand the full picture, and educated her on the basics, so that she felt confident enough to start making her own decisions.

She said the hardest part wasn't the numbers, it was learning to trust herself.

👉 Follow along for more stories from the world of finance.

18/08/2026

Free flights are a pretty good deal, but a budgeting habit will last a lifetime.

16/08/2026

Short answer: it depends on you. Here's the actual framework:

👉 Paying off your mortgage gives you a guaranteed, effectively tax-free return equal to your interest rate. If your rate is around 6%, every extra dollar you put in is like earning a guaranteed 6% - because you're not paying tax on interest you never had to pay in the first place.

👉 Investment returns get taxed. Dividends are taxed at your marginal rate, and from 1-July 2027 capital gains will be taxed at a 30% minimum. Either way, an 8% return on paper is worth less than 8% once tax takes its cut.

👉 Time horizon changes the answer. The longer you can leave money invested (10+ years), the more likely markets are to outperform your mortgage rate, especially if you're on a lower tax bracket where less of your return gets taxed away.

But, as financial planners we know that it's not ALL about the numbers: it's about you.

Some people value being debt-free more than the extra return, and some don't want their entire wealth tied up in one asset like their home.

There's no universal right answer here: it comes down to your preference, your tax bracket and your timeframe.

📆 Book at https://bit.ly/3OL46JL
📞 Call us on 03 9748 7999
📩 Email [email protected]
____

*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

11/08/2026

A few things have shifted with money over the past few weeks - here's what's worth knowing.

👉 Follow for easy-to-understand money news.

_____

*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

Address

Suite 2a/58 Old Geelong Road HOPPERS CROSSING
Melbourne, VIC
3029

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://buildingblocksfinancialplanning.com.au/

Alerts

Be the first to know and let us send you an email when Building Blocks Financial Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.