About Us
Focused on Your Goals, Driven by Your Success.
Empowering You to Build a Financial Future that provides you with confidence and peace of mind.
At Collaborate Financial, we put you, our client, at the heart of everything we do. We are focused on understanding your unique goals and are driven by your success. Our expertise in superannuation, investments, personal insurance, and retirement planning empowers us to create tailored strategies that safeguard and grow your wealth. We’re here to provide trusted advice, proactive support, and a clear path to a financially secure future.
At Collaborate Financial, we are passionate about working with our clients to deliver strategies that enable them to achieve their wealth creation goals. We provide our clients with access to holistic financial advice that encompasses our core values of honesty, integrity, and trust.
About Your Adviser
With over 20 years of experience in the financial services industry and a Graduate Diploma in Financial Planning, Jacqueline is dedicated to offering honest, trusted advice tailored to each client’s unique needs, goals, and lifestyle.
As a seasoned financial adviser, Jacqueline brings a wealth of knowledge across superannuation, investment planning, personal insurance, and retirement planning. Her commitment is to empower clients with clear, personalised guidance to help them achieve financial security and peace of mind for the future.
Super Simple 6-Step Process
Financial Triage.
During our initial consultation we will discuss where you are now and what your goals and objectives are moving forward. We will collect detailed information about your current position to enable us to construct a financial plan.
Financial Strategy.
We will use the information from our initial meeting and gather additional details from investment, superannuation, and insurance providers. We will assess suitable strategies to help you work toward your stated goals and objectives.
Advice Preparation.
We will document the recommended strategies, their basis, key considerations, and a comparison of your current trajectory versus the projected outcome of the recommended approach, based on specific assumptions.
Advice Presentation.
We'll present the recommended strategies & provide your Statement of Advice, explaining the recommendation, its benefits, and key considerations to ensure you have a clear understanding of how it supports your financial goals.
Implementation.
Once presented and you are satisfied to proceed, we'll implement the recommendations in your Statement of Advice, ensuring each step is executed smoothly and aligned with your financial goals for a secure and structured future.
Support.
To keep your advice relevant, we offer Ongoing Advice service levels, including regular reviews, professional support, and an agreement outlining the benefits of ongoing financial guidance tailored to your needs.
Ready to get started?
The Success of Collaborate Financial is Built on Great Partnerships
At Collaborate Financial, we recognise that referral partnerships are key to delivering comprehensive, quality service to our clients. By building trusted relationships with like-minded professionals, we expand our ability to offer holistic financial solutions that meet every aspect of our clients’ needs. These partnerships allow us to provide a network of expertise across various areas, enhancing the value we deliver.
Together, our referral partners and we ensure our clients receive the highest personalised service, empowering them to achieve their financial goals confidently.
Bultitude & Partners
Bultitude & Partners supports entrepreneurs and business owners with accounting, tax, superannuation, strategy, and cloud accounting.
Serving the Central Coast, we build strong client relationships, offering honest, tailored advice.
With over a decade of experience, we provide clarity and efficiency, guiding you through every financial challenge with integrity.
Flipside Accounting
Tax and business support for individuals, start-ups and small businesses.
My mission is to simplify your life and give you peace of mind with all your money matters. I am a Chartered Accountant + Tax Agent and I am here to support your business journey from the ground up with proven systems and practical business advice
Law Team
We know the law can be confusing and overwhelming. At Law Team, we give you a clear plan of action to protect your assets, your dreams and your future. We can help with Contracts, Conveyancing, Wills & Estates and much more. Contact us today to find out if we can help you!
Direct Mortgage Concepts
Direct Mortgage Concepts (DMC) has over 20 years of experience helping clients across Sydney and Australia with buying, selling, and refinancing.
Based in Sydney’s Northern suburbs, DMC matches clients with the right loans, educates them, and supports them throughout the process—offering ongoing reviews at no client cost.
Central Coast Mortgages
Katrina became a mortgage broker through her passion for property. As an experienced investor, she helps clients secure the right loan and build wealth.
Previously a nurse and midwife, her care, attention to detail, and advocacy shine through in every loan application and refinance she assists with.
Advocate Finance
We’re mortgage brokers committed to finding the right loan for you. We navigate the ever-changing market, negotiate on your behalf, and simplify the process for fast results.
Avoid pitfalls and secure loan features tailored to your needs with our expert guidance.
Committed to Helping Our Clients Succeed
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CAR number: 1295920
Millennium3 Financial Services Pty Ltd ABN 61 094 529 987
AFSL Number: 244252
Collaborate Financial Pty Ltd
ABN 50658075613
CAR number: 1295920
Collaborate Financial
Suite 1, 220 The Entrance Road
Erina, NSW 2250
This website is published by Collaborate Financial Pty Ltd . Jacqueline Ernstzen (AR Number: 293860) and Collaborate Financial Pty Ltd (CAR number: 1295920) are authorised representatives of Millennium3 Financial Services Pty Ltd (ABN 61 094 529 987, AFSL 244252). The information contained in this website and any of the resources available through it including eBooks, fact sheets, and seminars (‘Content’) has been prepared for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances, or needs of any individual have been taken into consideration in the preparation of the Content. Financial products entail risk of loss, may rise and fall, and are impacted by a range of market and economic factors, and you should always obtain professional advice to ensure trading or investing in such products is suitable for your circumstances. Under no circumstances will any of Collaborate Financial Pty Ltd , Millennium3 Financial Services Pty Ltd, its officers, representatives, associates, or agents be liable for any loss or damage, whether direct, incidental, or consequential, caused by reliance on or use of the Content. This Content is restricted to Australian residents and is for the intended recipient only. From time to time, Collaborate Financial Pty Ltd representatives or associates may hold interests in or transact in companies or products mentioned herein and may receive fees or other benefits, in connection with the making of any recommendation or facilitating a transaction in such companies or products.
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