Building Blocks Financial Planning

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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

26/10/2026

Losing a partner is hard enough without having to learn the finances overnight. 💛

One of our clients came to us feeling completely overwhelmed. Together, we built a plan, automated what we could, and gave her the clarity to look ahead again.

If you’re facing a big life change and don’t know where to start, we’re here to help. We’ll go through it step by step, at your pace.

Book a free, first appointment with our team:

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

Good news: you don’t need a big amount. You need a regular one.👉 Pick an amount you want to automate on payday into an i...
23/10/2026

Good news: you don’t need a big amount. You need a regular one.

👉 Pick an amount you want to automate on payday into an investment account: $50, $100, $200 a month. The number matters less than keeping it up.

👉 Open an account that suits small amounts. That could be a low-cost investing platform, a managed fund or an ETF. Check the fees first, because on small balances they take a bigger bite.

👉 Keep it simple and diversified. A broad, low-cost option spreads your money across lots of companies, so you’re not betting on one.

👉 Leave it alone. Let it grow in the background, and increase the amount when you can.

Time will do the heavy lifting for you: $200 a month for 20 years is about $104,000 (you put in $48,000).

Wait 10 years, then put in $400 a month for 10 years, and you end up with about $69,000 from the same $48,000. (Example assumes a 7% return a year, before fees and tax.)

You need a plan, and we can help with that. Come and chat to us about your investment options.

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

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*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.

23/10/2026

1️⃣ Track every dollar for the next 30 days. You can’t change what you can’t see.

2️⃣ Review your debts the old-fashioned way. Get out a pen and paper and write them down from highest interest rate to lowest (not including your home loan).

You should know exactly what you’re spending on your debt. Then make a plan to start knocking them off!

3️⃣ Review your subscriptions and cancel the ones you don't use. Then automate the amount you save each month straight into your savings or investment account or to your debt. You won’t miss it, and it’ll work a lot harder there than sitting in someone else’s bank account.

4️⃣ Haven’t looked at your home loan in a while? Book in with a local mortgage broker for a review. There’s often more wiggle room than people expect, and potentially some significant savings too.

5️⃣ Automate your savings and investing from your pay every month, so it happens without you having to manually move money. It builds SO quickly, I promise you'll be surprised.

6️⃣ Get a clear plan for 2027. Write down three money goals you want to hit: get debt-free, start investing, buy a house and then figure out the numbers you need to hit. A clear plan always works better than a vague resolution.

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*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.

21/10/2026

Her parents meant well, but when it time for her to actually achieve anything - she had no idea how.

The best gift parents can give their child is teaching them how to make smart decisions with their money - something they'll have to do every day of their lives.

Rates up, property down, and businesses caught in the middle. Here’s your October money news in five slides. 👉 Follow fo...
19/10/2026

Rates up, property down, and businesses caught in the middle. Here’s your October money news in five slides.

👉 Follow for easy-to-understand money news.

Receiving money from a parent or a grandparent means you're suddenly making decisions about something that carries a lot...
18/10/2026

Receiving money from a parent or a grandparent means you're suddenly making decisions about something that carries a lot of meaning.

And that's before you factor in the impact on your actual finances.

One of our clients had been on the Age Pension for years when she received an unexpected inheritance. And for her, more money in her account meant she could lose what she'd relied on to get her through retirement.

To avoid the pension being cut or reduced, we tailored a strategy using gifting within Centrelink's allowable limits, purchasing an annuity and setting up a funeral bond - all legitimate ways to manage how the money was assessed.

The result? Her pension stayed intact, and her inheritance was put to work in a way that actually supported her lifestyle, rather than putting it at risk.

If your circumstances have changed (an inheritance, a windfall, anything unexpected), talk to us before you act. What feels like good news can have consequences you don’t see coming.

📆 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.

15/10/2026

It’s a question we hear all the time, and it makes sense. Everyone wants to know if they’re behind.

Here’s the thing: there’s no single number that applies to everyone. What matters is whether your super is built around your plan: when you want to retire, and how you want to live once you get there.

Which is why it's important to remember: these numbers from APRA are averages, not targets. They include people with big balances and people who’ve had career breaks, so they show where you sit compared with others, not whether you’re on track.

If you do feel behind, take a breath. It’s usually very fixable. Extra contributions, catch-up rules and a look at your fees can all make a real difference.

👉 Follow for easy-to-understand money talk.

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*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.

You said it once, and then somewhere along the way it became something you never really questioned. You avoid bank state...
13/10/2026

You said it once, and then somewhere along the way it became something you never really questioned.

You avoid bank statements, never check your spending and say you're just 'not a numbers person.'

We see it all the time: people who confess to being 'bad with money' are people who just never had a clear plan - one that actually made sense for their life.

And like anything, being good with money just takes practice - and a really clear plan.

That’s the part we’re good at. We tailor clear, personalised financial plans to help you live the life you actually want.

Book your free first appointment with our team:

📆 Book at the 🔗 in our bio
📞 Call us on 03 9748 7999
📩 Email [email protected]

29/09/2026

We didn't get into this industry to push products or tick boxes. We got into it because we love helping people build a life they're genuinely excited about - and watching it actually happen.

And we're really good at it too.

Let's get your money supporting a life you want. Book a free first appointment with our team - we're here to help!

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

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

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