Wealth Creation
About us
Collins Co Wealth Management via First Financial (AFSL481098) provides personal financial planning built around your goals, your situation and your stage of life. We work with individuals and families to put practical structures around money so it actually works harder for you. Our advisers take the time to understand what matters before making any recommendation, and we stay involved as things change. Good planning is not a one-off event. It is an ongoing conversation, and we are here for the long run.
Why Financial Planning?
Money touches almost every decision you make. The big ones like buying a home or retiring, and the smaller calls you barely notice adding up. The challenge is rarely a lack of options. It is knowing which options suit your life right now and where you want to be in five, ten or twenty years.
That is where a structured financial plan makes a difference. It connects your income, debt, investments, superannuation and insurance into a single strategy with a clear direction. Instead of reacting to events as they come, you are working from a position you understand and can adjust.
Collins Co Wealth Management helps you build that plan. Our advisers cover cash flow, investment strategy, debt management, risk protection and estate planning so every part of your financial life is pulling in the same direction.
Our philosophy
Everyone has a different picture of what a good life looks like. For one person it might be clearing a mortgage early. For another it is knowing the kids can go to the school they want. Someone else just wants to stop worrying about whether they have enough. Our starting point is always the same: listen first, plan second.
We begin every relationship with a conversation, not a product recommendation. Before any advice is written, we want to understand how you think about money, what trade-offs you are comfortable with and what keeps you up at night. That understanding shapes everything that follows.
Collins Co Wealth Management takes a values-led approach to advice. We do not believe in squeezing your lifestyle into a rigid budget that makes you
miserable. Building financial security should work with how you live, not against it. A plan that sits in a drawer because it felt punishing on day one is not a plan at all.
Financial planning is not something you do once and forget. Circumstances shift, markets move, legislation changes. We stay close to your plan so it stays relevant, and we are upfront when adjustments are needed. No one is too young to start building good financial habits, and no one is too far along to benefit from a fresh perspective. Wherever you are right now, that is the right place to begin.
Our process
We start with a no-obligation initial consultation. It is a chance for us to learn about you, your values and what you are working towards, and for you to decide whether we are the right fit.
From that first meeting we gather a full picture of your financial position: income, expenses, assets, debts, superannuation and any existing cover. We then build a plan that sets out clear steps toward your goals, explains how each recommendation works and spells out the costs involved. Nothing is left vague.
Once you are comfortable with the strategy, we handle the implementation. Your adviser coordinates everything and keeps you informed as each piece falls into place.
The relationship does not stop there. We schedule regular reviews to make sure your plan still fits your life. If your circumstances change, a new child, a career move, an inheritance, we adjust the strategy with you. Our other services, including corporate advice, self-managed super and investment management, are available whenever your plan calls for them. You will always have a team around you who knows your situation and can bring the right expertise to the table.
Our services
Good financial advice is not confined to one topic. Your goals, your risks and your obligations overlap, and the advice you receive should account for all of them. We offer a complete range of services that can be woven into a single, coordinated strategy.
Luke Broxton
Financial Adviser
Luke has spent over 25 years in financial services, working across administration, management and business development before moving into advice. That breadth of experience gives him a practical understanding of how financial decisions play out in real life, not just on paper.
He joined the Collins Co Wealth Management advice team in 2013 and now works closely with individuals and families, particularly those approaching or navigating retirement. Luke is known for breaking down complex strategies into plain language and helping clients feel confident about what comes next.
Qualifications:
Graduate Diploma of Financial Planning
Advanced Diploma of Financial Planning
Diploma of Financial Planning
David Howell
Financial Adviser
David has been a financial adviser for more than 20 years, following an earlier career that spanned investment management, marketing and product development. That varied background means he brings a wider lens to financial planning than most, with particular depth in superannuation, tax, estate planning and social security.
He specialises in helping people at or near retirement work through thedecisions thatmatter most: when to stop working, how to structure income, and how to make a plan that holds up as life changes. Many of his clients come to him at a turning point, unsure of their options. David helps them see what is possible and build a path forward that feels realistic and reassuring.
He is also an active contributor to the broader profession through industry committees, seminars and peer discussion groups.
Qualifications:
Graduate Diploma of Applied Finance
Graduate Diploma of Financial Planning
Bachelor of Business (Economics and Finance)
Pablo Vilela
Financial Adviser
Pablo came to financial planning through a career change. After years in transport and logistics, a personal experience with a financial planner shifted his perspective and prompted him to retrain. He entered the financial planning industry in 2012 and joined the Collins Co Wealth Management advice team in 2015.
That path gives him a genuine appreciation for what it feels like to sit on the other side of the table. He takes time to understand each client’s individual circumstances and works to make sure the advice they receive is practical, clear and easy to act on.
Pablo is fluent in Spanish and has served as a Board member of United (the Spanish-Latin American Welfare Centre), contributing to aged care, tax assistance and education programs within the community. He holds accreditations in self-managed super funds and margin lending.
Qualifications:
Graduate Diploma of Financial Planning
Advanced Diploma of Financial Planning
Diploma of Financial Planning
