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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 exclusive 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.

22/09/2026

The reason we built the CFG Wealth Portal is accountability. For us as much as for our clients.

It's a profit and loss and balance sheet on an app. Super balances, investments, your wealth protection, your cash flow, all updating daily. We feed it into a monthly track-to-plan report so everyone can see exactly how the strategy's performing.

One of our top clients checks it every single day, just because he loves watching the wealth grow. You can't transact on it, it's information only. But you always know where you stand.

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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]

17/09/2026

Plenty of families on dual incomes over $300k feel like they're not getting ahead. Here's what's usually causing it.

It comes down to three thirds. The job creates the cash flow, then a third goes to tax, a third goes to the mortgage, and whatever's left, your lifestyle, comes last. Pay yourself last and there's nothing strategic happening.

Flip it. Get clear on the lifestyle first and fund it deliberately, then get strategic about the investing so you create tax-effective outcomes that fast-track the debt down. Right now the job is just over broke, JOB, because lifestyle is whatever's left after tax and debt. It doesn't have to be.

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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]

15/09/2026

Five things that quietly make people feel rich.

Positive cash flow, money left at the end of the day. Money in the bank, a buffer for emergencies and opportunities. Time freedom, the right people and resources around you. Clarity, a plan you actually understand. And progress, seeing the goals and the KPIs being hit.

Funny how none of it is about a bigger number on the payslip. It's about structure and momentum.

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]

10/09/2026

How big does your buffer need to be before you start investing? Often, you can start from zero.

If you've got a million-dollar property with a $500k mortgage, you've got half a million in lazy equity sitting there doing nothing. Untap some of that, put it to work, and you've started, regardless of how much cash you've saved.

The buffer is really a combination of income and equity. Strong income, discipline around the cash flow, plus some equity to leverage. It's not about what you earn. It's about 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]

08/09/2026

Five daily habits I keep, in order.

One, bed at the same time every night. Get the discipline there and you can wake up whenever you need.
Two, journal before bed, what you achieved and what tomorrow looks like.
Three, up early, sunrise, birds out, best part of the day.
Four, exercise, and I mean hard, sweat, not a gentle stroll.
Five, eat the frog, do the hardest thing first. The tough phone call, the difficult client.

Get it done early and the rest of the day flows.

Discipline in the small things carries everywhere else.

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]

03/09/2026

Cash sitting in the bank feels safe. It's quietly costing you.

Yes, the interest looks decent right now. But there's an opportunity cost. The Australian share market has done around 10.5% annualised over the long run, property similar. And any interest you earn gets taxed at your full marginal rate.

Compare that to a franked income stream from shares, the leverage and deductibility of property, or super taxed at just 15%. Far more attractive. Think a bit more strategically about where that money sits. Don't just leave it in cash.

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]

01/09/2026

The signs you've outgrown DIY finances and need a strategy.

You've got the fundamentals down. Money flows into a cash hub, you've read the Barefoot Investor, the basics are working. Then you hit a ceiling. You don't know what comes next.

That's the moment. You're earning well and managing fine, but you're not actually building real future value. True wealth is being at a point down the track where money no longer limits your choices. A strategist takes the complexity off your plate and builds the system on top of the foundation you've already laid. The property and shares come last, not first.

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]

27/08/2026

Dollar cost averaging takes all the stress out of investing.

Instead of trying to pick the perfect moment to buy, you invest a fixed amount every single month into a diversified portfolio. When the market's up you buy in, when it's down you buy in. You stop trying to time it.

Yes, the best time to buy is at the bottom and sell at the peak. Nobody can pick those moments reliably, so why try? Time in the market beats timing the market. Simplify it, automate it, and invest every month.

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]

25/08/2026

The most common regret I hear from people in their 50s, looking back at their 40s: I should have started this sooner.

They thought they could do it themselves. A decade goes by, and now they're behind the eight ball with less time on the clock. Time and dollars are everything, and they're short on both, which means taking more risk and working harder to catch up.

You can't get the time back. So start as early as you can. Don't delay.

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]

20/08/2026

How would I structure the bank accounts for a family earning over $300k? Like a business.

A well-run business lives by its profit and loss and balance sheet, and reviews it every 30 days. Do the same personally. Money comes in, tax comes out, lifestyle expenses are your P&L, the mortgage is your liability.

Most people stop at super. The strategic move is to untap some of that home equity, put it to work through an investment debt facility, and build assets that generate passive income, the kind that isn't tied to you turning up to work. Build that over time and you eventually replace the need to work at all.

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]

Address

44 Benson Street
Brisbane, QLD
4066

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