Which one sounds more like you right now?
We get it—life is busy, and financial planning sounds like something you’ll “get to later.”
But here’s the uncomfortable truth: later often turns into never. And without the right guidance, you risk staying stuck where you are.
So… where do you start?
Do you need a licensed financial adviser to help you grow your wealth?
Or should you work with a money coach to change your financial habits first?
Let’s break it down—and help you take action today.
What’s really stopping you from getting financial help?
Here’s a stat that might hit close to home:
Over half (53%) of Australians are just making ends meet, and among those aged 18 to 44, financial stress has climbed to 60%, yet many still delay seeking professional help before their situation worsens.
Why?
- “I don’t earn enough yet.”
- “I should be able to figure this out myself.”
- “I’ll deal with it when I make more money.”
Sound familiar?
The reality is, whether you’re just starting your financial journey or you’ve already built some wealth, getting the right help early can mean the difference between financial struggle and financial success.
Are you choosing the right expert for your money right now?
Both are financial experts—but they serve very different roles.
One helps you build wealth when you already have momentum.
The other helps you build confidence, clarity, and habits that get you to that momentum point.
Let’s dig deeper…
Is a financial adviser your next step for growing wealth?
A Financial Adviser is like a GPS for your wealth.
They map out the clearest, most efficient route to build, protect, and grow your assets over time.
What a financial adviser does:
- Provides licensed, tailored advice on investments, insurance, superannuation, and tax-effective strategies.
- Helps you structure your long-term wealth plan.
- Recommends and manages investment products based on your goals and risk tolerance.
- Assists with wealth protection, like life insurance or estate planning.
- Guides you through complex areas like setting up an SMSF.
When a financial adviser is right for you:
- You have disposable income, savings, or assets you want to grow.
- You’re ready to invest but aren’t sure where to start.
- You’re approaching retirement and want a strategy to secure your future.
- You want professional management of your wealth so you can focus on living your life.
In Australia, advisers are regulated by ASIC and must meet strict education and compliance standards.
Or do you need a money coach to build your financial foundation first?
A Money Coach works on what’s behind the spreadsheets—your behaviours, beliefs, and relationship with money.
Money coaching isn’t about recommending products; it’s about empowering you to build strong money habits that last a lifetime.
What a money coach does:
- Unpacks your emotional and behavioural relationship with money.
- Helps you identify money blocks, like overspending, avoidance, or scarcity thinking.
- Guides you through budgeting, cash flow management, and savings strategies.
- Builds your financial literacy and confidence, so you can make informed decisions.
- Holds you accountable to turn habits into lasting change.
When a money coach is right for you:
- You feel overwhelmed by your finances or lack confidence.
- You’re stuck in patterns like living paycheck to paycheck or avoiding money conversations.
- You want to build the foundation before making bigger financial moves.
- You’re not yet ready to hire a financial adviser—but you want to get there.
Why do the smartest investors work with both?
Let’s be honest—we all know one half of a couple who takes the lead on finances while the other tunes out, right?
Here’s a scenario we see often:
One partner handles the adviser relationship, while the other partner feels left out or anxious about financial conversations.
A Money Coach steps in to help that person build confidence, overcome money mindset challenges, and feel empowered to actively participate in wealth decisions.
Or, you could be:
A solo entrepreneur working with a Money Coach for a year, gaining clarity and cashflow mastery, before partnering with a Financial Adviser to level up into wealth-building mode.
Which path fits your situation best—coach, adviser, or both?
Choose a money coach if:
- You want to improve your financial behaviour and knowledge.
- You need help managing budgeting, saving, or getting out of debt.
- You’re feeling stuck or overwhelmed and want emotional and behavioural coaching.
- You’re aiming to become “adviser-ready.”
Choose a financial adviser if:
- You’ve got assets or cash you want to grow and protect.
- You’re looking for investment recommendations or wealth strategies.
- You want a holistic long-term plan to manage your finances on autopilot.
The Bulletproof Wealth approach: Why settle for one when you can have both?
At Bulletproof Wealth, we help Australians:
- Master their money mindset with behavioural coaching.
- Grow and protect their wealth with expert adviser referrals.
Ready to break the cycle?
Here’s the part most people miss:
The longer you wait, the more expensive it gets.
Don’t be part of the statistics. Let’s change the story now.
👉 Book your free 15-minute strategy call today, and let’s map out YOUR next step.
