I take the time to understand what’s important to you, then design advice around your values, priorities, and lifestyle.
I believe financial advice should be clear, personalised, and actionable, and most importantly, give you peace of mind and clarity about your financial future. My approach starts with understanding what’s important to you, then designing advice around your values, priorities, and lifestyle, so your financial decisions feel confident and well considered. I began my career in financial advice in 200
4, and for more than two decades I have helped people solve financial problems and make informed decisions about their money. Over that time, I have gained extensive experience across different advice models and business environments. While this gave me a strong technical foundation, it also showed me that not all advice businesses are built with the client’s best interests at the centre. That realisation ultimately led me to establishing my own practice built on a genuinely client first philosophy, free from product bias or volume driven advice. Collin Fox Financial Planning was created to ensure advice can be delivered with integrity, transparency, and care, and where long-term relationships matter more than short-term outcomes. At Collin Fox Financial Advice, I am passionate about people, the goals that matter most to them, and using smart, thoughtful financial strategies to help them achieve those goals. Whether you’re preparing for retirement, building wealth, or simply wanting greater control and confidence in your day to day finances, my role is to support you with guidance that is practical, honest, and ongoing. I am committed to long term client relationships and providing stability, clarity, and support through every stage of your financial journey. Collin Fox Financial Planning Pty Ltd is a Corporate Authorised Representative (No. 001322032) and Collin James Fox is an Authorised Representative (No. 001002833) of Spark Advisors Australia Pty Ltd ABN 34 122 486 935 AFSL 380552.
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05/08/2026
What would you do with a $500,000 inheritance at age 50?
Pay off the mortgage? Invest? Contribute to super? Help the kids?
These are some of the biggest financial decisions many people will ever make, and the right answer is rarely as simple as choosing one option.
In this article and short video, I walk through a real-life style case study showing how an inheritance can potentially be used to reduce tax, improve retirement outcomes, reduce debt and support family goals, all while keeping the bigger picture in focus.
Before making a major financial decision, it’s worth understanding how each option impacts your overall financial future.
Full article here: https://lnkd.in/gWQtiHR3
Full video here: https://lnkd.in/gTxXkzVq
General Advice Warning: The information in this article and the links has been prepared for general information purposes only and does not take into account your personal objectives, financial situation or needs. It is not intended to provide commercial, financial, investment, accounting, tax or legal advice. You should, before you make any decision regarding any information, strategies, or products mentioned in this article, consult a professional financial advisor to consider whether it is suitable and appropriate for you and your personal needs and circumstances. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product, together with the Target Market Determination (TMD).
03/08/2026
Its not always appropriate to have only growth assets. Asset pooling, and ensuring you have money when the time comes to spend it, reduces worry, so you can enjoy life without significant market stress. Invest smart, live stress-free.
💰 I’m 65, Still Working and Earning $120,000 p.a. – Should I Start an Account-Based Pension?
Many Australians assume there's no point starting an account-based pension while they're still working.
One of my clients, John, thought exactly that.
At age 65, earning $120,000 per year and planning to retire in a few years, he believed moving from accumulation to pension phase would force him to take money he didn't need and somehow leave him worse off.
The reality surprised him.
By understanding how pension phase works, the tax-free treatment of earnings, and how pension payments can be strategically added back into super, he was able to potentially improve his position by more than $10,000 per year in tax savings.
✅ Tax-free pension income after age 60
✅ Tax-free earnings inside an account-based pension (once age 60 and have met a condition of release)
✅ Strategies to avoid unnecessarily reducing retirement capital
✅ Using pension payments to fund deductible super contributions
✅ Planning the transition from work to retirement
If you're over 60, still working and wondering whether an account-based pension makes sense for you, this is worth a look.
📖 Read the article here: https://collinfoxfp.com.au/im-65-still-working-and-earning-120000-pa-should-i-start-an-account-based-pension/
🎥 Watch the video here: https://youtu.be/n2z1HmSGico?si=MFcRATRM-OPEtvwL
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