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

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]

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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.

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]

Family life doesn't come with a single financial plan: but it comes with a dozen moving parts. School fees, a bigger mor...
27/09/2026

Family life doesn't come with a single financial plan: but it comes with a dozen moving parts. School fees, a bigger mortgage, one income while someone's on parental leave, ageing parents who might need support down the track.

Family financial planning is about bringing all of that together into one plan that actually reflects how your household works - not a generic template that assumes everyone's situation looks the same.

We help families get clear on what matters most, build a plan around it, and adjust it as life changes: because it always does.

Book an appointment with our team to chat about your own family financial plan.

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

Most people think that their retirement either has to be self-funded or struggling on the pension. But in reality, most ...
25/09/2026

Most people think that their retirement either has to be self-funded or struggling on the pension. But in reality, most of our clients have a strategic blend of super, pension and self-funding.

It's all about carefully planning what you're eligible for, so that you have enough to enjoy retirement with peace of mind.

Working out where you sit in all this isn't something you need to figure out alone. We're here to help.

Book your free Retirement Review with our team:

📆 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.

Investing for your kids while they're young is one of the best financial gifts you can give them.👉 The catch: the ATO ta...
23/09/2026

Investing for your kids while they're young is one of the best financial gifts you can give them.

👉 The catch: the ATO taxes kids' investment income differently, specifically to stop parents from "parking" their own money in a child's name to dodge tax.

If your child earns above $416 a year in investment income, it's taxed at 66% on the amount over that threshold, and once it passes $1,307, the whole lot is taxed at 45% plus the Medicare levy. That makes investing directly in your child's name a lot less appealing than it sounds.

👉 Investment bonds are a popular workaround for exactly this reason. The earnings are taxed inside the bond itself, at a maximum rate of 30%, and you don't need to declare anything on your own tax return or your child's.

Hold it for 10 years and, in most cases, you won't pay any further tax on the growth at all.

👉 Some parents use a simple trust structure instead - investing in their own name but earmarking it for their kids. It's simpler to set up, but any income is taxed as yours, not theirs - worth weighing up depending on your own tax position.

The best structure depends on your goals and timeframe, but the earlier you start, the more that time does the heavy lifting.



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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.

21/09/2026

A lot of families aren't ignoring their finances, but life never slows down enough to actually deal with them properly.

That's exactly what the Family Financial Plan is for: to bring everything together in one place, with someone else doing the heavy lifting.

Need help getting it sorted? Book a free first appointment with our team:

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

Budgeting has a reputation problem: it's usually the thing people put off until things feel out of control. But a good b...
19/09/2026

Budgeting has a reputation problem: it's usually the thing people put off until things feel out of control.

But a good budget isn't about cutting everything fun out of your life. It's about knowing exactly where your money is going, so you can be intentional about where it goes next.

We work with clients to build budgets around how they actually live - not some idealised version with no coffees or weekends away - because a budget you can't stick to isn't really a budget at all.

Once that foundation is in place, every other part of your financial plan gets a lot easier to build.

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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