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Colin Jowell

Behavioural Science Specialist and Founder, BillWill

Colin Jowell is the founder of BillWill, a digital Letter of Wishes and estate-planning support service that helps financial advisers, lawyers and families simplify life administration and reduce stress during moments of loss or incapacity. With a background in behavioural science and more than twenty years in strategy and customer experience, Colin focuses on making estate planning clearer, calmer and easier for ordinary families. He works with financial advisers, estate lawyers and funeral professionals to improve how Australians prepare, organise and communicate essential information. Also an accredited Wills and Estates mediator and Principal of consultancy Good Behaviour, Colin speaks nationally on the impact of stress on decision making, how to reduce cognitive load, and how to help families make well-supported choices long before and during times of crisis.

Articles by Colin Jowell

Why is estate planning so hard? And what you can do to make it easier…

Estate planning is one of those tasks almost everyone means to get to, yet many only face it during a crisis. Families often describe the same moment. A parent dies, the surviving spouse and children open a cupboard or a laptop, and suddenly they are trying to reconstruct a life from scattered paperwork, half-remembered details and password guesses. Grieving and guessing at the same time.

How to choose between a lifetime pension, annuity

Discover the key ways to access your super in retirement - from account-based pensions to annuities and lump sums - and learn how to choose the option that best supports your lifestyle and long-term financial security.

How to put more money into your personal super today

As we draw towards financial year end, it’s a good time to consider making extra contributions to your super. While anyone who wants to build their super balance should add to it when they can, there are people who might benefit from it more than others.

Estate administration – what really happens after you die

It’s one of the most common questions clients ask when completing their estate plan: “What actually happens to kick off the process when I die?” For all the time spent drafting wills and building tax-efficient structures, few people understand what really happens next. Estate administration, collecting, managing and distributing a deceased person’s assets, is part law, part logistics, and part people management. With a little foresight, though, it can run far more smoothly.

Values: Your North Star for a life by design, not by default

Know Me to Grow Me

Why New Year’s resolutions fail, and how to set goals that stick

Seven steps to securing a comfortable retirement

Retirement means different things to different people; travel, family time, hobbies, volunteering, or a mix of all. Before you crunch numbers, be clear on what matters most to you. This clarity will guide every financial decision and help make retirement more fulfilling.

The top six tips every Aussie expat needs to know

Superannuation is your secret weapon for wealth building 

When you’re running your own business, superannuation can feel like an afterthought – something for employees, not entrepreneurs. But here’s the truth: super is one of the most powerful investment vehicles available to sole traders and business owners in Australia. And it’s not just about retirement – it’s about building wealth, protecting your future, and taking advantage of some of the most generous tax incentives in the financial system. Let me show you how. 
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