Resources Built from Real Planning Sessions

We've spent years sitting across from people trying to sort out their finances. Every guide here came from those conversations—the questions that kept coming up, the confusion we saw, the bits that actually helped. Nothing theoretical. Just what worked when someone needed clarity about their money.

What You'll Find Here

Each resource tackles something specific. We're not big on fluff—just practical information you can use right away.

Foundation Planning Workbooks

Start here if you're just getting your financial life organised. These walked hundreds of people through their first proper budget and savings plan.

Monthly tracking sheets that actually make sense
Goal-setting frameworks (without the motivational nonsense)
Emergency fund calculators tailored for Australian costs
Debt reduction planners with real scenarios

Investment Preparation Guides

Before you put money anywhere, read these. They cover what most beginner investors wish they'd known earlier.

Risk assessment tools (honest ones)
Superannuation optimization checklists
Property vs shares comparison frameworks
Fee impact calculators that surprised us too

Life Stage Planning Resources

Your 30s look different from your 50s financially. These address the specific challenges that come up at different points.

First home buyer financial prep guides
Family planning cost projections (the realistic version)
Career change financial buffers
Pre-retirement gap analysis tools

Tax and Structure Materials

Australian tax stuff can get messy. These break down the parts that trip people up most often.

Deduction tracking templates
Trust structure explainers (in plain English)
Capital gains worksheets
PAYG vs company structure comparisons

Financial planning materials organized on desk with calculator and documents

How These Materials Helped Real People

Torben Ljungqvist

Trades Business Owner, Newcastle

The Problem: Had decent income but money disappeared every month. Tried budgeting apps—hated all of them. Couldn't figure out why savings never grew despite working constantly.

What Changed: The foundation workbook clicked because it matched how his business cash flow actually worked. Irregular income, quarterly expenses—the tracker handled it. Built up six months of buffer over eighteen months. Now he doesn't stress about quiet periods.

Current Situation: Uses the same system to run business finances. Extended it to track job profitability. Says it's the only money thing he's stuck with longer than two months.

Elowen Thackeray

Healthcare Administrator, Belmont

Starting Point: Good saver, but money just sat in offset account. Knew she should invest but felt overwhelmed by options. Read articles that contradicted each other. Kept postponing decisions.

The Process: Investment prep guides walked through risk tolerance without the sales pitch. Fee calculator showed her existing super was costing more than she thought. Comparison framework helped her see what actually mattered versus marketing noise.

Where She's At: Portfolio running for fourteen months now. Still uses the quarterly review checklist. Says the best part was realizing it didn't need to be complicated—just consistent and appropriate for her situation.

How to Actually Use These Resources

Don't try to consume everything at once. Pick what matches where you're at right now. Come back when your situation changes.

Pick Your Starting Point

If you're not tracking expenses yet, start with foundation materials. Already investing? Jump to the optimization guides. Have specific questions about structure? Go straight to tax resources.

Most people overestimate what they need. The foundation workbook handles 80% of situations. You'll know when you need something more specialized.

Work Through One Section Completely

Finish what you start. Don't skip to "advanced" stuff because it sounds more interesting. The basics are basic because they work—and because most people's finances don't need complexity.

Set aside an hour or two. Print the worksheets if that helps you focus. Digital is fine too, but we've noticed people complete more when they write things down.

Review After Three Months

Circle back once you've used the system for a bit. The review sections show what's working and what needs adjustment. Financial plans aren't set-and-forget—life changes and your approach should adapt.

We built quarterly check-in prompts into most guides. Takes maybe 30 minutes. You'll spot patterns you missed in daily tracking.

Connect with Us When You're Stuck

These materials handle a lot, but they can't answer every specific situation. When your circumstances get complicated—inheritance, business sale, major life change—that's when personalized advice matters.

We offer strategy sessions starting September 2025 for people who've worked through the materials and need help with next steps. Reach out when you're ready.

Ready to Get Started?

Our learning program combines these materials with structured guidance. Next intake begins October 2025, with early registration opening in July.

Explore Learning Program