Our story

We’ve been helping Bendigo locals navigate their financial lives since 2000. Here’s why we do what we do, and how we’re different.

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Community-Minded Since 2000

Why we started BLS Financial

Back in 2000, financial advice felt like it was only for wealthy people or came with a hard sell. I kept seeing everyday Australians putting off important financial decisions because they thought advisers were either too expensive, too complicated, or too pushy.

That didn’t sit right with me.

I started BLS Financial to create something different – a place where people could get straightforward financial advice in plain English, without the jargon or pressure.

Over 25 years later, that’s still what drives us. We work with regular Bendigo locals who are navigating life’s big financial moments — inheritance, retirement, redundancy, aged care for parents.

We’re not here to sell you products. We’re here to help you sort out your finances so you can stop worrying and start living.

Adam Mackenzie

Founder & Director

Meet Our Team

How we’re different

We’re not your typical financial advisers. Here’s what makes BLS different from the rest.

Whole picture view

Financial decisions don’t happen in isolation. Your super, insurance, retirement, and estate plans all connect. We look at how everything works together so fixing one thing doesn’t create three new problems you didn’t see coming.

Get things done

Lost super? We’ll find it. Employer compliance issues? We’ll chase them. Paperwork on your “too hard” list? We’ll handle it. We’re not just advice-givers – we follow through and get things sorted.

Community first

We’ve been part of Bendigo since 2000, supporting local schools and charities because we believe in giving back. When you work with us, you’re working with advisers who are invested in this community.

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We have a duty of care to consider how everything connects. That’s not us being difficult – it’s us doing our job properly.

Our philosophy: Everything is connected

Here’s something we’ve learned over 25 years: you can’t fix a financial problem in isolation. When you’re looking at inheritance options, your super matters. When you’re planning retirement, your insurance needs change. When you’re setting up estate plans, your aged care strategy becomes part of the picture. When you’re consolidating super, we need to check your insurance won’t disappear with it. Everything is connected.

Some people come to us thinking they need help with one thing, and after asking questions, they realise there are ten other things that need attention. That can feel overwhelming at first.

But here’s the good news: once we’ve identified everything, we tackle it systematically. One conversation, one comprehensive plan, everything sorted – not just the issue you walked in with, but all the connected pieces you didn’t know to ask about.

We call it the “whole picture” approach. You might just call it thorough financial advice that actually considers your real situation.

What to expect when you work with BLS Financial

We keep things simple. Here’s how it works from first meeting to ongoing relationship.

Book a time that suits you. Come in for coffee at our View Street office (we’ve got a kids’ playroom if you need it). We’ll talk about your situation, what’s on your mind, and whether we’re a good fit to work together. No paperwork, no obligation, no pressure. Just a conversation to see if we can help.

If we move forward, we’ll need to understand your full financial picture. That means asking questions about super, insurance, debts, goals, family situation, what you’re worried about, what you’re planning for – everything. It’s not us being nosy. It’s us making sure we see the whole picture so we don’t miss something important that could affect your financial decisions.

Once we understand where you are and where you want to be, we’ll put together a comprehensive plan that addresses everything – not just the one thing you came in about. We’ll explain it all in plain English, show you what needs to happen and why, walk you through the options, and make sure you understand everything before we take any action.

We’ll handle the paperwork, chase up loose ends, follow through on every action item, and tick things off your list. No disappearing after giving advice – we see it through. Then we’ll stay in touch through regular reviews, making adjustments as your life changes. Most of our clients have been with us for years. We’re in this for the long term, not just a one-off transaction.

What clients say about us

I came in thinking I just needed help with my super. Turned out there were ten other things I hadn’t even thought about. Adam and the team sorted all of it, and I finally feel like my financial life is actually under control.
Sarah M.
Bendigo
I’d been putting off sorting my parents’ aged care finances for months because it felt overwhelming. BLS walked me through every step, handled the paperwork, and made it so much less stressful than I thought it would be.
Mark T.
Eaglehawk
No jargon, no pressure, just straight talk about what we needed and why. We’ve been with BLS Financial for five years now and wouldn’t go anywhere else.
Jenny & Rob K.
Bendigo

25+ years of experience

Local Financial Partner

Proud FAAA Member

Ready to chat about your situation?

Book a meeting with our trusted financial advisers. No obligation, just a conversation about your financial goals and whether we’re the right fit.