Wherever you are with money, your next step starts here.
Financial is a coaching practice for busy professionals, growing families and people approaching retirement. We help you organise cash flow, plan debt payoff, set goals you can actually follow, and prepare for retirement — one honest conversation at a time. No products. No commissions. Just a plan.
About Us
Practical guidance for every stage of your financial life
Merchant has partnered with industry-leading wealth management firms and service providers, focusing our team and capital on driving growth, operational scale, and new opportunities.
Debt Planning
A step-by-step payoff plan that frees up income and cuts interest costs.
Budget & Cash Flow
Know exactly where your money goes — and redirect it toward what matters.
Goal Setting
Turn vague hopes into clear, measurable goals with milestones you can track.
Investment Education
Understand diversification, risk and consistency — concepts first, products never.
Retirement Readiness
Work out your retirement number and the milestones that get you there.
Life & Family Planning
Line up your money with the life you want — career moves, family milestones, big decisions.
What each area covers
Debt Planning
For anyone carrying credit card balances, student loans, car finance or a mortgage they want to attack in the right order.
What it covers
- A full inventory of balances, rates and minimum payments
- A payoff sequence that reduces total interest
- A realistic monthly figure you can sustain
- A target debt-free date
Budget & Cash Flow
For households where money arrives and disappears without a clear picture of where it went.
What it covers
- A simple cash-flow map of income and fixed costs
- A spending plan built around your priorities
- An emergency fund target and funding pace
- A monthly review routine you can keep
Goal Setting
For people who know something should change but cannot say exactly what success looks like.
What it covers
- Short, medium and long-term goals written down
- Costs and dates attached to each goal
- Milestones to check progress against
- Priority order when goals compete for the same money
Investment Education
For anyone who has been told to invest but wants to understand the mechanics before committing.
What it covers
- How diversification and risk actually work
- The relationship between time, contributions and growth
- How to read a fund fact sheet and compare fees
- Questions to ask any adviser or platform
Retirement Readiness
For people in their forties, fifties and sixties who want to know whether they are on track.
What it covers
- Your retirement number, calculated from your own assumptions
- Projections under different saving and retirement ages
- Gaps between where you are and where you need to be
- A practical sequence of adjustments
Life & Family Planning
For families facing decisions that have a price tag attached — a move, a career change, education, or care.
What it covers
- Scenario planning for the big decisions
- How each choice affects the rest of the plan
- Protection and contingency thinking
- A shared language for couples and families
One programme. Two ways to start.
Every client gets the same coaching, the same plan and the same planning portal. The only thing you choose is how long you would like to commit.
Most flexible
Foundation
$199/month
3-month minimum
Then $99/mo ongoing · $1,488 in your first year
Start without a long commitment. Finish with a plan in hand, or continue at the ongoing rate.
Or book a free consultation first
Save $300
Long-Term
$99/month
12-month commitment
Stays at $99/mo · $1,188 in your first year
Commit for a year and pay the ongoing rate from month one — no build premium, ever.
Or book a free consultation first
What every client gets
Your plan
- 3 core sessions: discovery, planning and solutions
- Your own planning dashboard
- Your retirement number
- Investment allocation & risk review
- Unlimited email support
- Monthly check-ins
In your monthly check-ins
- Debt management & payoff strategy
- Budget performance & cash flow
- Life decisions (home, car, education)
- Insurance & protection questions
- Retirement & later-life topics
- Whatever is on your mind that month
The first three months are the build: your full financial picture, your retirement number and your allocation. Wider topics are layered into your monthly sessions from there.
Both paths lead to the same place: $99/month with full ongoing support. No commissions, no products sold — ever.
Three steps to clarity
1
Free consultation
Book a free 20-minute conversation online. We talk about where you are and where you would like to be — no pressure, no pitch.
2
Your roadmap
We look at the whole picture together and build a personal plan with priorities, milestones and your retirement number.
3
Ongoing coaching
Regular check-ins keep you accountable and on track as life changes. You are never navigating money decisions alone again.
Included with every plan
Your own professional planning portal
Every client gets access to a professional planning platform. See your full financial picture, run retirement scenarios and track progress in real time, all in one secure place.
Inside your portal
- Net worth & cash-flow dashboard
- Retirement projections & scenarios
- Debt payoff tracking
- Secure document vault
- Goal progress you can see
About Financial
Built on plain language and real numbers
Financial is a coaching practice, not a product sales desk. We started it because too many people are handed jargon, sales targets and forty-page documents instead of a plain answer to a simple question: what should I do next?
Our approach is education-first. We explain the reasoning behind every recommendation, show you the trade-offs, and leave the decisions with you. Sessions are one-to-one, and they are never outsourced.
- Education-first
- Fee-transparent
- No products sold
- Remote-friendly
How we work
Education first
Every recommendation comes with the reasoning and the trade-offs, so you can disagree with it and still understand it.
Numbers you can see
We work in front of you, with your figures, in a planning portal you keep access to.
No products, no commissions
We do not sell investments, insurance or anything else. Our only income is the coaching fee.
Decisions stay yours
We explain options and consequences. You decide what happens with your money.
What a working relationship looks like
The first three months are a build: we gather the full picture, calculate your retirement number, look at your allocation and risk, and produce a plan with priorities. After that, monthly sessions keep it alive — reviewing progress, adapting to changes, and answering the questions that come up in real life.
- Sessions are one-to-one and never outsourced
- You get unlimited email support between sessions
- All documents and projections live in your portal
- You can leave with everything you have built
1:1
Personal coaching, never outsourced
24/7
Access to your own planning portal
100%
Fee-transparent pricing, published upfront
Illustrative figures for layout purposes.
Ready to feel confident about your money?
The first conversation is free, friendly and pressure-free. Let us find out where you stand — and what your next step should be.
Let us talk about your money — for free
Email us or book a time online. However you get in touch, you will hear back personally, usually the same day.
Send a note and you will hear back personally, usually the same day.
Book a free consultation
Pick a time that works for you — a relaxed, no-pressure conversation about your finances.
Pick a time that works for you
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