Collins Financial Group

Collins Financial Group We help you define a clear direction with your finances to re-gain control of your lives and make meaningful choices to live the life you always have aspired!

We ensure that you are on track to meet you short- and long-term goals with our four unique coaching programs. Whatever stage of life you are at, we have a program designed specifically for your financial needs. With our head office based in Brisbane, our vision is to emerge as one of the most respected groups of financial service business providers, delivering tailored financial outcomes to exclu

sive groups of clients and their referrals. Collins Financial Group is committed to securing your financial future as though it were our own. Since establishment in 1984, Collins Financial Group has provided professional financial planning advice and coaching to families, corporate, and individual clients. Regarding all information and posts on this page:

This advice is of a general nature only and does not take into account your circumstances or needs. You must decide if this information is suitable to your personal situation or seek advice. Prior to investing in any particular product, you should read the Product Disclosure Statement. Please note that a full understanding of financial advice and how it can help you achieve your goals cannot be achieved from this site. Please contact our office via email or phone using the details provided on this page. Collins Financial Group is a Corporate Authorised Representative of Matrix Planning Solutions Ltd - AFSL No. 238256.

15/07/2026

A client came in this week. Family income over $350k. His words: the money comes in, then it goes out, and at the end of the month there's nothing to show for it.

No plan. So we set one up like a business. The whole salary flows into a primary cash hub, ideally the mortgage or an offset. Then we work out the discretionary spending, the groceries, dining, the day-to-day, and that gets paid into a separate working account every week. A set amount. Pay yourself.

No sacrifices on lifestyle. Just structure. The lumpy income takes care of itself once the system's in place.

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Disclaimer:
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

13/07/2026

This is where most people get stuck on the very first step.

Money comes in. Tax comes out. What's left goes straight onto the home mortgage. I call that bad debt, not because there's anything wrong with owning your home, but because the interest isn't deductible and it doesn't generate any income. It takes money away rather than giving it back.

Paying down the private debt as fast as possible feels productive. And it's only the first stage of a full strategy. There are other levels worth considering.

Follow for more financial planning ideas. ✅

Disclaimer:
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

10/07/2026

People obsess over how their super is performing. They're often looking at the wrong thing.

Super is really a tax structure. Performance matters, but it's secondary to this: it's the most tax-effective place to hold your future investment money. Taxed at 15% while you accumulate, versus up to 47% in your own name. After 60, zero tax on income and capital gains.

The catch is access. You can't touch it until 60. So in your 30s it may not be the primary vehicle. In your 50s, it often should be. The right answer depends on your stage of life.

Follow for more financial planning ideas. ✅

Disclaimer:
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

08/07/2026

Mortgage vs investing. Which one should you actually focus on right now?

The mistake I see most is people picking one. They throw everything at the mortgage, knock a few years off a 30-year loan, and miss out on decades of compounding because they started investing too late.

You can do both. There are ways to fast-track the mortgage and build wealth at the same time, by being smarter with how money and tax work for you. Not by working harder or living on less.

Don't pick one. Bring them together as a holistic strategy.

Follow for more financial planning ideas. ✅

Disclaimer:
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

06/07/2026

I've had clients on a million dollars of family income who are no better off than someone on $150k. Same problem every time. No plan. Whatever comes in, goes out.

When your income jumps through a promotion or a bonus, lifestyle creep quietly eats the lot. You move from $250k to $350k and nothing actually changes about your future.

Manage your personal finances like a business. Know your profit and loss, your assets and liabilities, and track it. When the income grows, stick to the plan. Make a few tweaks, sure. But it's not what you earn, it's what you do with what you earn.

Follow for more financial planning ideas. ✅

Disclaimer
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

03/07/2026

Manual investor vs automatic investor. The difference is enormous, and most people are stuck on the wrong side of it.

The manual investor watches stocks daily, tries to time the entry, treats it like gambling. It's stressful and it eats time you don't have.

The automatic investor works out the end goal first, then invests a set amount every single month into the strategy. Up months, down months, they keep buying. Time in the market, not timing the market.

99% of people who come to me have no idea what their end number even is. Start there. Then automate.

Follow for more financial planning ideas. ✅

Disclaimer
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

01/07/2026

People think they invest for the product. They don't. They invest for the outcome the product delivers.

That's why I'm neutral on asset class. Property, shares, business, cash, fixed interest, they're just tools. They get attached to the strategy at the end, not chosen at the start.

The Barefoot Investor gets you the fundamentals, the bank accounts, the cash flow basics. A strategist takes it to the next level and builds the wealth around your actual lifestyle goals.

Get the strategy right first. The transaction comes later.

Follow for more financial planning ideas. ✅

Disclaimer
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

29/06/2026

The biggest mortgage mistake high-income families make when they upgrade the family home.

They walk into the broker and ask for the cheapest, most basic loan going. Principal and interest, set and forget for the next 30 years.

The structure matters more than the rate. A facility with an offset account turns your mortgage into a cash hub. Profits, tax savings, surplus all flow in and offset the loan, while your day-to-day spending sits in a separate working account so you're not tempted to dip in.

You might pay a little more for the flexibility. It can take years off the mortgage. Don't just chase the cheapest one.

Follow for more financial planning ideas. ✅

Disclaimer
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

26/06/2026

Five things that quietly make people feel poor, even on a good income.

Too much debt. No time, none left for family or holidays. Cash flow that runs out before the fortnight does.

No reserve sitting there for a rainy day or an opportunity. And fear of the future, because there's no clarity about what it actually looks like.

None of these are about how much you earn. They're about structure.

Follow for more financial planning ideas. ✅

Disclaimer
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

24/06/2026

The next 10 years will reward the same boring thing they always have. A plan, and the discipline to stick to it.

Clear goals. Cash flow under control. Not getting buried in debt that strangles your options. A reserve for emergencies, and for opportunities when they show up.

What gets punished is over-leveraging and having no idea what you're actually working toward. Start with the end in mind, then attach the products. Don't go chasing the crypto, the property, the shares first. Be patient and build it over time.

Follow for more financial planning ideas. ✅

Disclaimer
This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should seek the assistance of an authorised financial adviser before making any decision regarding any strategies mentioned in this communication. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. To the maximum extent permitted by law, no person including Matrix Planning Solutions nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. Collins Financial Group Pty Ltd ABN [52 101 436 2020] Corporate Authorised Representative No. [244269] Matrix Planning Solutions AFSL No. [238256] ABN [45 087 470 200]

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