Choose the level that fits where you are now.
Start with the financial area that needs your attention today. As your life, business and wealth become more complex, each Academy builds on the level before it — so you can keep learning without starting again.
Compare the plansLearn what matters at each stage.
You do not need the most advanced membership. You need the membership that solves the financial questions you are facing now — with a clear pathway to move up when your needs change.
Personal Finance Academy
For individuals, couples and families who want to understand their money, create predictability and make more confident everyday financial decisions.
One membership can cover you and your partner.
Best for
- Cashflow, spending and saving with intention
- Debt, mortgages, offset and redraw
- Superannuation, investing and insurance foundations
- Building financial confidence as a household
- Understanding where you stand and what to prioritise
Business Finance Academy
For business owners who want to understand their numbers, manage cashflow, pay themselves properly and stop being surprised by tax.
Includes access to the Personal Finance Academy.
Best for
- Understanding profit, cashflow and financial reports
- Paying yourself through wages, drawings or dividends
- GST, BAS, PAYG instalments and tax planning concepts
- Director's loans, Division 7A and company money
- Structures, Xero reports and better business decisions
Wealth Structuring & Strategy Academy
The capstone membership for people bringing personal finances, business, structures, tax considerations and investments together as one connected strategy.
Launching soon. Includes Personal and Business.
Best for
- Trusts, companies, SMSFs and ownership structures
- Connecting tax, asset protection and wealth decisions
- Investment structures and long-term wealth strategy
- More complex family and business financial decisions
- Annual one-to-one strategy session after three months
See exactly what changes at each level.
The higher levels do not replace the foundations. They add the next layer of education and support as your financial world becomes more connected.
| Membership feature | Personal | Business | Wealth |
|---|---|---|---|
| Monthly investment | $97 | $197 | $497 — coming soon |
| Designed for | Individuals, couples and families | Business owners and self-employed people | Business owners, investors and families with more complex structures |
| Personal money education | ✓ | ✓ | ✓ |
| Business finance education | — | ✓ | ✓ |
| Wealth structuring and strategy | — | Foundation concepts | ✓ |
| Live education sessions | Two monthly personal finance sessions | Business-focused sessions plus Personal access | Monthly 90-minute strategy session plus lower-level access |
| Open Q&A and practical support | ✓ | ✓ | ✓ |
| Session recordings | ✓ | ✓ | ✓ |
| Worksheets, calculators and frameworks | Personal finance tools | Personal + business tools | Personal + business + wealth strategy tools |
| Dedicated member community | ✓ | ✓ | ✓ |
| Partner access | Included | Included where you both participate in the business | Included for household strategy discussions |
| Annual one-to-one strategy session | — | — | Included after three months of membership |
| 14-day initial refund guarantee | ✓ | ✓ | ✓ |
On a phone, swipe the table sideways to view all three membership columns.
Choose based on the decisions you need to make.
Choose Personal when…
Your priority is household cashflow, debt, mortgages, super, investing foundations or feeling more confident about everyday money decisions.
Choose Business when…
You earn money through a business and need to understand profit, cashflow, tax, owner pay, financial reports or how your business affects your personal finances.
Choose Wealth when…
Your personal finances, business, investments and structures can no longer be considered separately — and you want to understand how the pieces fit together before making major decisions.
Understand the decision before you make it.
For more than 20 years, Rachel has worked across taxation, cashflow management, business structures and financial decision-making. The Financial Wellbeing Academy was created to make that knowledge easier to understand and more accessible in everyday life.
This is not about turning you into an accountant. It is about helping you understand enough to ask better questions, work more effectively with your advisers and make decisions with greater clarity.
You can begin with the foundations and build from there.
Choose Personal for household finances, Business when your income and decisions flow through a business, or join the Free Academy first while you explore what support you need.