James Malcolm
SMSF Specialist Advisor™
Principal at Foster Wealth
At Foster Wealth, James Malcolm believes that money is not the end goal—it’s an enabler. It’s there to help people live the life they want. Whether it’s travelling the world, spending quality time with family, or simply enjoying the everyday moments, James encourages his clients to focus on the things that matter most: passions, purpose, and peace of mind.
Based in Penrith and servicing clients across Western Sydney and the Sydney CBD, James brings more than 30 years of experience in financial services to the table. An accountant by trade, he has worked throughout Australia, the UK, New Zealand, and Asia, gaining a unique global perspective and a deep understanding of the professional accounting industry.
As a Wealth Adviser and SMSF Specialist Advisor™, James is passionate about helping individuals and families achieve financial certainty and well-being. He offers holistic advice tailored to each life stage, supporting clients through life’s changes with adaptable, forward-thinking strategies. His expertise spans self-managed super funds (SMSFs), family trusts, and other complex structures, and he regularly collaborates with accountants, lawyers, and mortgage brokers to ensure his clients have a trusted team around them.
James holds master’s degrees in both Financial Planning and Professional Accounting and is an Affiliate member of the Financial Advice Association Australia (FAAA - AFP).
More than Money: The Person Behind the Adviser
James is a proud father of three university-aged children and deeply values the time he spends with family and friends. Outside of work, he’s actively involved in the community through various charities and church groups, always looking for ways to give back.
A lifelong sports enthusiast, James is passionate about rugby and cricket, and loves hitting the slopes for a ski trip when he can. He’s also a dedicated practitioner and student of Wing Chun Kung Fu, a discipline that reflects his commitment to lifelong learning and personal growth.
Whether you're planning for retirement, managing a family trust, or just looking for clarity in your financial future, James offers experience, empathy, and a genuine interest in helping you live the life you love.