Wealth Builder
A 12-month financial advice program,
especially for people in their 30s & 40s
You're earning well. So why does your future feel uncertain?
Most people in their 30s and 40s are earning, saving, maybe even investing. But behind the scenes, things aren't structured properly — and it's costing them.
Getting the right financial advice can mean the difference between:
booking that trip to Europe you’ve always talked about
or running the numbers and realising it’s not happeningfinishing work when you’re ready, or even cutting back to part-time or realising you can’t afford to slow down
being able to afford the lifestyle you thought you were working hard for, or having to go without to make ends meet
Studies show getting financial advice early can mean hundreds of thousands more in retirement…
*Based on someone earning $100k in Findex’s The Cost of Doing Nothing Report
Right now, you probably have:
A bit in savings
A mortgage — or thinking about one
Super you don't fully understand
Investments you hope are right
But no clear system tying it all together.
That's where most people get stuck.
You're doing the right things… but you don't really know if it's all working. And this is the stage in life where that starts to matter. You're earning more, making bigger decisions, and what you set up now shapes the next 10 to 20 years.
Wealth Builder gets the foundations right, so you're confident in your financial future.
Wealth Builder is Perfect For
Growing families
"We earn decent money between us. We have a mortgage, two kids, and absolutely no idea where the money goes every month."
You keep meaning to sort it out — but between school pickups, mortgage repayments, and the general chaos of life, it never quite happens. You sense you're falling behind, but you're not sure by how much.
DINKS: Double income, no kids
"Between the two of us, we earn good money. We go on holidays, we eat out, we're not stressed. But we're in our late 30s, and we don't really have anything to show for it."
You're in the best financial position you'll probably ever be in — you know that. The income is there. But right now money comes in, money goes out, and at the end of the year you are no further ahead. The problem isn't what you earn. It's that nobody has ever sat down with you and given you a plan to build your wealth.
Solo & building
"I'm 38, I earn good money, I save regularly. But every financial decision I make, I make alone. And I'm starting to wonder if I’m actually putting myself in the best possible position"
You're doing all the things you were always told to do. You work hard, you save, you live within your means. But there's no one to sense-check your decisions and you always wonder if your super is in the right fund, whether you're paying too much tax, or if your savings are actually working. And you’re tired of trying to figure it out alone.
Past the basics
"We've done the Barefoot thing, we’ve listened to the podcasts. We've invested in some ETFs, but we've plateaued. We're pretty sure we're leaving money on the table."
You've outgrown beginner advice, and know you should be doing more — debt recycling, salary sacrifice, super caps — but the internet has seventeen contradictory opinions and you just want someone to look at your actual situation.
The Wealth Builder Roadmap
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We start by understanding where you're at
We look at your current situation, your goals, and what you actually want your money to do.
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A plan tailored to your life, with a clear direction forward and your money working together the way it should.
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We present our recommendations, answer your questions, and make sure you understand exactly what we're recommending and why.
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We make sure everything is working the way it should and adjust if needed.
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We sit down and look at what's changed and what comes next.
What our clients say
“I wanted to take the time and thank Paul and the Guidance team again for making it possible to buy our first home.
We could have never done it without them and their advice - and the investment success over the years.
Looking back, the most important factor was the trusting relationship we have and the confidence the team instilled in me based on their personalised, competent advice and financial modelling.
The clarity the annual review meetings provided was the perfect decision support. The team provide outstanding financial advice, always with their clients front and centre.
They don’t tell you what you want to hear or sell you products you don’t need. They set you up for the life you want.”
Nathalie
Guidance Financial Services client
What you walk away with
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Your Personalised Wealth Roadmap
A personalised plan that shows exactly where you're headed and what actions will get you there.
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A cash flow system that works
Understanding where every dollar goes — and restructuring it so you're building wealth without restricting everything.
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Super you've actually thought about
We look at your fund, your contributions strategy, your investment options and structure it for your personal situation.
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Tax strategy that makes the most of opportunities
Salary sacrifice, investment structuring, income splitting — legal strategies most Australians don't know they can use to minimise what they pay.
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Insurance that makes sense
The right cover, at the right level, in the right structure. Nothing more than you need, nothing less than would protect you and your family.
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Goal Setting
Turn vague money goals into a clear plan. We help you work out what you want your money to do, what needs to happen first, and how to keep each decision aligned with the goals you’re working towards.
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Asset & Debt Strategy
Get a clearer picture of what you own, what you owe, and what to do next. We help you balance debt repayment, investing, property, super and cashflow so your money is working in the right direction.
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Confidence and peace of mind
89% of Australians who receive financial advice say they feel less worried about money.
Wealth Builder is for you if…
You're in your 30s or 40s with household income under $300,000
You have a stable income and want to start building real wealth
You feel like you're not getting ahead despite earning well
You've done the basics and want to go further
You want a personalised plan, not generic advice
You're ready to take action for your financial future and put yourself in the best possible position
This probably isn't for you if…
You're managing significant debt stress or financial hardship — we'd suggest starting with the National Debt Helpline first
You have a household income over $300,000 or complex structures — our advice pathway outside Wealth Builder is likely a better fit
What it costs
We know that the cost can be what stops you getting the financial advice you need, so we’ve created an easy payment plan to make it more accessible for you.
$990 to start
then $390 per month
Fixed fee
No percentage-based fees
No ongoing lock-in
Frequently Asked Questions
Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and apply.
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Your 30s and 40s are the most important window. You're earning more, taking on bigger financial commitments, and the decisions you make now compound over the next 20 years. Most people who come to Wealth Builder aren't in financial trouble — they just want to make sure everything is working the way it should before it's too late to course-correct easily.
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Because every year you wait is a year your super may be in the wrong structure, your cash could be working harder, and decisions get made by default rather than by design. The people who wish they'd done it sooner all say the same thing: the hardest part was starting.
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Wealth builder is for people who are doing well and want to make sure they're not missing anything. Most clients come in with good habits already in place — what they're missing is a clear system that ties everything together and someone who can tell them honestly whether it's all working.
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Banks and super funds can give you information about their own products, but they can't give you advice that spans your whole financial picture. Wealth Builder covers cash flow, debt, super, investments, and protection together — because that's the only way to make sure everything is actually working in the same direction.
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A common benchmark is 1–2x your annual salary in super by your mid-30s, growing to around 3–4x by your mid-40s. But the more important question is whether your super is structured correctly for your situation — the right fund, the right investment option, and contributions that are actually on track for the retirement you want.
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If you're covering your expenses, saving something, and thinking about your financial future — you're earning enough. Wealth Builder isn't designed for high-net-worth individuals. It's designed for people who are at the stage where getting the foundations right actually matters most.
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Most people who ask this are comparing it to the cost of a subscription or a night out — not to the cost of having their super in the wrong fund for a decade, carrying debt longer than necessary, or missing tax strategies that could cost thousands a year. At around $100 a week, Wealth Builder is designed to be the kind of decision that pays for itself.
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No — but you're also not locked in. By the end of the program, everything is set up properly and you have a clear picture of where you stand. At month 12 we sit down and talk about what comes next. Some clients want ongoing support. Others are happy to manage independently. That's entirely your call.
Ready to get your finances sorted and build your future?
