Financial advice for real people, real situations, real results

We’re Bendigo financial advisers who see the whole picture, not just the obvious problem. If you’ve got a financial situation that’s been sitting on your “too hard” list, let’s finally get it sorted.

Book a Free Meeting (03) 5444 5200

4.9/5 Rating

99% Referred by Someone Trusted

Community-Minded Since 2000

Does this sound familiar?

Most people don’t know what they don’t know. That’s normal, and exactly where we can help.

I’ve just received an inheritance…

…and I’m not sure whether to pay off the mortgage, invest it, or something else entirely. I need advice but don’t know where to start.

I’m getting a payout…

…and the paperwork is confusing. I know I need to see a financial adviser but I’m not sure who to trust or what to ask.

I’m thinking about retirement…

…but I don’t know what’s involved, whether I can afford it, or what my options are. Where do I even begin?

My parents need aged care…

…and I’m overwhelmed trying to navigate the system, finances, and options. I need help but don’t know who to turn to.

Let’s Talk About Your Situation

What makes BLS Financial different?

Here’s what we’ve learned: financial decisions don’t happen in isolation. Inheritance impacts your super. Retirement planning affects your insurance needs. Estate planning connects to aged care. Everything is linked.

Whole picture

Super, insurance, retirement, estate planning, wealth transitions – one point of contact, all working together.

Results focused

Lost super, employer compliance, debt mediation, paperwork – the stuff on your ‘too hard’ list finally gets sorted.

Community first

No call centres, no city office. Just real conversations over coffee in our Bendigo office (with a kids’ playroom if you need it).

5/5 Google Reviews

4.9/5 Adviser Ratings

94% Facebook Recommended

How we help

Six areas where we help Bendigo locals get unstuck and stay on track.

Financial Planning

The whole picture approach to your money, goals, and future. Start here if you’re not sure where you need help.

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Superannuation

Consolidation, lost super searches, employer monitoring. Get your super sorted and growing while time is on your side.

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Personal Insurance

Life, TPD, trauma, income protection. Custom-designed to protect you and your loved ones, not over-insured or under-covered.

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Wealth Transitions

Inheritance, redundancy, windfall, career change. Navigate major financial moments with clarity and confidence.

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Retirement Planning

Transition planning, income strategies, aged care preparation. Know your options before you need them.

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Estate Planning

Wills, powers of attorney, succession, aged care. Protect what matters most and plan for what’s next.

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Not Sure What You Need? Book a Free Meeting

Meet your trusted Bendigo financial advisers

At BLS Financial, we’re a small team that’s been part of the Bendigo community since 2000.

Most of our clients come to us through word-of-mouth referrals from people they trust. Once they’re on board, they tend to stick around. We’ve been invited to weddings, anniversaries, and family celebrations – not because we’re trying to be friends, but because when you’re helping people navigate life’s biggest financial decisions, relationships matter.

We’re members of the Financial Advice Association of Australia (FAAA), we’re locally involved (supporting Bendigo schools and charities), and we’re here for the long haul.

Read Our Full Story
  • Adam Mackenzie, Financial Advisor at BLS Financial Bendigo
  • Ovee Bhuyan, Financial Advisor at BLS Financial Bendigo
  • Tegan Sanders, Office Manager at BLS Financial Bendigo
  • Levi Moss, Customer Service Officer at BLS Financial Bendigo

What clients say about BLS Financial

  • Adam and the team at BLS Financial have been fantastic in setting our family up with a personalised insurance package that gives us peace of mind in the event of anything unforeseen happening… In addition, our superannuation is also well looked after, with any anomalies quickly picked up on and rectified. I highly recommend Adam to anyone seeking financial advice.
    – Caine
  • Adam and his team at BLS have helped and supported me through some very difficult times. Not only did Adam find the right product for me, but he and his team have facilitated the claim process on my behalf and with their vast experience took a great deal of stress out of my claim… Adam and his team at BLS care for, and look after their clients.
    – Justin
  • I would highly recommend Adam to all my friends. He is very knowledgeable and I feel comfortable to have him guide me with all my future financial planning requirements… He looks at the bigger picture and identifies issues that I never considered as a problem. I am so glad he does as I have greater peace of mind for my financial future.
    – Debbie
  • Mum and I have been working with BLS Financial for around 18 months now. Adam’s guidance has been exceptional. He takes the time to truly understand our concerns and came up with strategies to help us with various issues that we needed better guidance in… I highly recommend BLS Financial to anyone seeking professional, personalised financial advice.
    – Julie & Wendy
  • We have been so happy with the advice and support we have received from Adam and the team at BLS Financial… From wills, insurance, business succession, superannuation and retirement planning, we feel confident that our affairs are well organised… Thanks to BLS Financial, we feel very confident that our financial affairs are in order and in good hands.
    – Sue & Rob
  • I’ve been with BLS Financial for many years and they have helped me immensely. From better investing my super and more recently sorting out a complex financial domestic situation. Adam and the team at BLS Financial are fantastic, intelligent and generous people.
    – Dale
  • I don’t know where to start, BLS Financial have taken care of me for over 20 years, from early days organising car loans and 15 years ago organising my superannuation and personal insurance… I am forever indebted to the BLS Financial team, and thank you for always having my back, in the good times and especially in the dark times.
    – Greg
  • BLS have facilitated all my claims and have kept the insurance company accountable to make sure my payments are on time every time. I don’t know where I would be without their help, always there to answer questions, hear my frustrations, provide advice when needed, but most of all just listen to me and reassure me everything is going to be ok.
    – Justin
  • The moment we met the team at BLS we felt confident that we had placed our trust in professional people who had a great depth of knowledge in the financial world. They improved our financial situation with a well-structured superannuation plan… Above all we trust BLS Financial and have made some valued friendships that means a lot to us.
    – Michael
  • The team at BLS Financial were incredibly helpful, guiding us through the best way to purchase our property and helping us put our estate and will in place. Their advice gave us real peace of mind, and we truly appreciated their professionalism, care, and ongoing support throughout the process. Knowing they’re there to support us is very reassuring.
    – Tom & Shirley
  • The initial superannuation and insurance setup, financial advice, and trauma claim assistance have far exceeded my expectations. The annual reviews are usually quick, efficient, and remain a pleasure to be part of. Their wider knowledge is outstanding, and their ability to communicate with me, and my accountant has simplified what I consider jumbled hard work!
    – Rohan
  • Adam went over our situation and simplified things to make it easier to understand and then put things in place to enable an easier transition. Whenever we need assistance or advice they’re very quick to assist and sort things out! They have also assisted family members are very happy being able to navigate things in their old age!
    – Dean
  • The BLS team has consistently provided outstanding service, taking the time to understand my financial goals and ensuring my superannuation portfolio is managed with professionalism and care. I appreciate their clear communication, personalised advice, and genuine commitment to looking after my best interests.
    – Belinda

25+ years of experience

Local Financial Partner

Proud FAAA Member

Ready to get your finances sorted?

We cover the cost of your initial consultation, so there’s no upfront expense to explore your options. No obligation – just a conversation to see if we’re the right fit.

Book a Free Meeting (03) 5444 5200