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Practical, personalised support helping people make clearer, more confident money decisions — free of judgement, jargon, and product sales.
My Money Circle offers financial coaching that is free of judgement, jargon, and product sales. We help people determine their path to financial wellbeing, understanding what options are available, and how to build a plan that works for them.
When financial advice feels out of reach, and online education doesn't show visible results, financial coaching can be the solution. Guided, down-to-earth support for the countless financial choices life throws everyone's way.
Most people already have access to financial information — a quick Google or ChatGPT query, an online course, a short webinar, a digital app someone recommended. But the financial coaching meaning goes deeper than information: it's about putting that knowledge into sensible action with the guidance of someone familiar with finance.
And especially if it's the same independent person each time — that relationship builds trust. People need help making sense of what they've learnt, prioritising what matters, and taking practical next steps.
Exploring financial options and understanding trade-offs
Getting organised with practical approaches to money
Building better financial habits
Navigating key life moments, and how they impact your back pocket
Staying accountable to achieve real progress
A financial coach, much like other types of coaches, is there to guide and support you. It's not financial advice. You stay in control — we help you think clearly and make decisions with confidence.
They're complementary — but they serve different purposes. Understanding financial coaching vs financial advice — and a financial coach vs financial planner Australia — helps you make the right choice for where you are right now.
Works on the clarity, habits, and decisions that sit underneath all of that. For most people, this is where the biggest change actually happens. It's about your goals, your situation, and building real confidence.
Focused on products and investments — which fund, which structure. Important at the right time, but most people aren't ready for that conversation yet. It requires a licensed financial adviser.
Financial advice in Australia requires a licensed financial adviser operating under an Australian Financial Services Licence (AFSL). Financial coaching doesn't require the same licensing — but this is where My Money Circle is different.
My Money Circle operates as a Corporate Authorised Representative (CAR #1311478) of Novus Capital Limited (ABN 32 006 711 995) AFSL No 238 168. We choose to hold this because governance, accountability and your peace of mind matter to us — even when coaching alone doesn't require it.
Our independence means we're never incentivised to push you toward a product or adviser. Every conversation we have is purely in your interest — because that's all we're paid to do.
Most Australians are better served by coaching before advice. Coaching helps you get clear on your goals, understand your options, and build the habits that make any future advice more effective and actionable.
Financial coaching benefits people at every stage — whether you're just starting out and want financial coaching for beginners, navigating a major life moment, or simply asking "do I need a financial coach?" Typically, people seek support during moments of change, uncertainty or opportunity.
Explore individual coachingAfter a promotion, salary increase or securing a new job
When parental or sick leave has created financial uncertainty
Navigating the pressure of high costs-of-living
Buying a property or managing a mortgage
Supporting children or ageing parents
Other unexpected financial decisions life throws your way
Not all financial coaching providers are the same. Here's what to look for — and how My Money Circle measures up.
When money is involved, working with a provider that adheres to high compliance and confidentiality standards matters. My Money Circle offers this level of reassurance as a Corporate Authorised Representative working under an Australian Financial Services Licence, with a team of highly experienced financial coaches.
My Money Circle isn't incentivised by commissions or referral fees to recommend you on to financial advisers. We're independent. If you choose to take that step, we can help — but it's always your choice. There's no pressure from us.
Financial coaching outside of structured providers is a fairly cottage industry. Many coaches operate as solo practitioners — and while skilled, they often lack the infrastructure to support proper data security and privacy. My Money Circle takes this seriously. All coaching is conducted over our secure, Australian-based platform. We hold corporate authorised representative status under an AFSL and maintain ISO 27001-aligned data security practices — the kind of rigour you'd expect from a trusted financial services provider, not just a freelancer with a Zoom link.
Money is rarely one thing. Needs change, topics intertwine, and sometimes you need to unravel several threads before your situation really starts to make sense. My Money Circle is built for that complexity. Stay for a few focused sessions, work through something that needs deeper guidance over time, or come back whenever life throws something new at you. Most coaching services follow a fixed program not designed for a wide range of needs — ours isn't. We work with you, not a syllabus.
You work with the same coach, every time — someone who knows your story, your goals, and what's changed. As an online financial coach service operating across financial coaching Australia-wide, we're accessible wherever you are.
An ongoing coaching relationship gives you continuity, accountability, and a genuinely personalised experience that grows with you.
Change is best achieved through a conversation — and we're here to have that conversation with you.
Still wondering is financial coaching worth it? For most people, a single session is enough to answer that question. If you're ready to feel more organised, confident and supported in your financial life, we're here. Financial coaching explained — and experienced — starts with one conversation.
