The Financial Wellbeing Academy
Everything finance. Finally explained clearly.
Build genuine confidence with money — from everyday cashflow and personal finance to business numbers, tax, structures and long-term wealth. Practical Australian financial education, delivered in plain English by Chartered Accountant Rachel Rademaker.
Learn it once, properly
Financial education for real life.
Money affects your choices, relationships, work, business and future — yet most financial information is either too technical, too generic or attached to a product being sold.
The Financial Wellbeing Academy gives you a trusted place to learn how money actually works, ask questions and make more informed decisions at every stage of your financial journey.
Clear before complicated
Start with the foundations, then build your knowledge without skipping the steps that make everything else make sense.
Practical, not theoretical
Learn through real-life examples, live conversations, frameworks and tools you can connect to your own financial world.
Support without judgement
Ask the questions you have been carrying — in a community where nobody expects you to already know the answer.
Choose your starting point
One Academy. Four levels of support.
Start where you are today. Each level builds on the one before it, so your financial knowledge grows with your life, business and wealth.
Level 01 · Foundations
Free Academy
$0 / always free
A genuinely useful starting point for anyone ready to understand money with more confidence.
- Welcome | What Is Wealth module
- Thinking of Starting a Business module
- The NEXT MOVE monthly newsletter with relevant, practical tax updates
- Federal Budget breakdowns
- Fiercely Financial podcast and community
Level 02 · Personal
Personal Finance Academy
$97 AUD / month
For individuals, couples and families ready to actively improve their financial position.
- Two live personal finance sessions each month
- Monthly open Q&A
- Cashflow, debt, mortgages, super and investing
- Worksheets, calculators and practical frameworks
- Recordings and a dedicated member community
Includes access to the Free Academy
Level 03 · Business
Business Finance Academy
$197 AUD / month
For business owners who want to understand their numbers and lead with greater clarity.
- Cashflow, profit and paying yourself properly
- Tax, GST, BAS, PAYG and PAYGI explained
- Director's loans and Division 7A foundations
- Reading Xero reports and understanding structures
- Better conversations with your accountant
Includes Personal and Free Academy access
Level 04 · Advanced
Wealth Structuring & Strategy
Coming soon
The capstone Academy for people ready to understand how the personal, business and wealth pieces fit together.
- Trusts, companies and wealth structures
- SMSFs and retirement structures
- Asset protection concepts
- Investment and tax strategy education
- Long-term wealth decision frameworks
Will include Business, Personal and Free Academy access
Not sure where to begin?
Choose the level that matches your life now.
Start Free
Choose this when you want to explore Rachel's teaching style, learn the foundations and join the broader community without any financial commitment.
Choose Personal
Choose this when your focus is household cashflow, debt, mortgages, super, investing foundations or making confident financial decisions as a couple or family.
Choose Business
Choose this when business income, tax, cashflow, paying yourself, financial reports or structures are part of the picture. Personal Academy is already included.
Meet your guide
Rachel Rademaker
Chartered Accountant, Financial Coach and Founder of The Wealth Hive.
For more than 20 years, Rachel has worked across taxation, cashflow management, business structures, wealth building and financial decision-making. She is known for translating technical financial concepts into clear, practical language that people can actually understand and use.
“People weren't struggling financially because they lacked intelligence. They were struggling because nobody had ever properly explained how money works.”
Quick answers
Frequently asked questions.
Is the Financial Wellbeing Academy financial advice?
No. The Academy provides financial education, frameworks and community support. It does not recommend specific financial products or provide personal financial, tax, legal, medical or investment advice for your individual circumstances.
Do I need to join the Free Academy first?
No. You can join Personal or Business directly when you already know which level suits you. The Free Academy is a valuable starting point when you would like to experience the community and Rachel's teaching style first.
Does Business Academy include Personal Academy?
Yes. Business finances and personal finances are closely connected, so Business Finance Academy includes access to Personal Finance Academy and the Free Academy.
Can my partner and I participate together?
Yes. One Personal or Business membership can cover you and your partner where you are learning and participating together.
Are the paid memberships locked in?
No. Monthly memberships can be cancelled at any time. The paid Academies also include a 14-day refund guarantee on your initial sign-up.
Where is the Academy hosted?
The Academy is hosted on Skool, bringing the learning modules, live session details, recordings and community conversations together in one place.
Your next move
The hardest part of sorting your money is starting.
Start for free, learn one thing properly and take your next financial decision with greater clarity.
Financial Wellbeing Academy content is general education only and does not take your personal circumstances into account. Always obtain appropriate professional advice before making financial, tax, legal, investment, health or structural decisions.