About Wealthyfrog              

  Watch a typical client journey here...

Why Wealthyfrog?

On the whole, Australians are not doing very well financially.   79% of us over 65 have annual incomes of less than $12,000!  Only 1% have incomes over $40,000 pa (Source: ABS 2002).  

Apart from our home and compulsory superannuation, many of us don't invest or have limited investments.  So we stress about money, ultimately affecting our health and our quality of life.  Making more money can help but this is often not the answer.   We just do more of what we're currently doing and never quite get ahead.  

Most of us want to increase our wealth to the extent that it generates a passive income.  That's an income generated from our investments rather than our work.

On top of this, most of us have other financial goals:

• Paying off our home
• Educating our kids
• Enjoying regular holidays
• Have a reasonable lifestyle
• Upgrading our car regularly
• Not letting money worries affect our relationships
• Having enough money so that we look forward to retiring
  

What is Unbiased Wealth Coaching?

Unbiased Wealth Coaching is the future of wealth advice.  It is the unique combination of the strategic Wealthyfrog Coaching System AND the power of unbiased education and mentoring.   Wealthyfrog has successfully assisted numerous clients with their wealth creation.   Wealthyfrog is designed to keep you motivated to take action and stay on track with your finances.  You receive one-on-one customised coaching to support you to make informed financial decisions that are right for you. 

Wealth creation can be a simple and a sometimes rapid process - with Wealthyfrog, you get clear, simple strategic advice and you'll always retain 100% control of your money.   With Wealthyfrog you'll feel completely secure knowing that you'll always have your own personal Wealth Coach by your side to assist you at every step of the way to your financial future, so that later, you'll have enough time and you'll have enough money.

Neutral, Unbiased Coaching in Action

These days, it seems like everyone is trying to sell something, and unbiased help is rare indeed.   Many of those who do have something to sell like to pretend that they don't!   What makes Wealthyfrog different is that we don't sell anything or get any kickbacks from anybody, we work purely on annual membership fees.   In fact, you simply can't buy investments or anything else from us.   Our Wealth Coaches are on an established income, so they can concentrate solely on helping you make financial progress.

The benefits of neutral, unbiased coaching include:

• Your Wealth Coach can focus totally on helping you achieve your financial goals and securing your future
• There are no commissions or quotas to fill
• All types of investments can be viewed equally on their own merits
• The structure of your home loan can be viewed on its own merits and the same goes for personal finance and insurance
• Much of your forward progress will depend on doing the fundamentals well and building strong foundations first.  Your coach can take time to ensure you get this right, because he or she is under no pressure to make a commission.

Have you ever wondered if people giving advice have actually done it themselves?   How many are wealthy and successful with their own money?   Great coaches learn their trade in the field as well as in the classroom.

Our Wealth Coaches are very special people. Naturally, they have Financial Planning Qualifications but we view that as just the apprenticeship.   To become a Wealth Coach, they have to be successful with their own money. Your coach will provide practical solutions you can understand, because they've very likely been down the same path you're about to embark on.   Their success is the key to our credibility.

Ongoing Support and Coaching

You'll benefit from the totally positive outlook and attitude your Wealth Coach has towards helping you achieve your financial goals.   That's why they're doing it - because they have a strong interest and a real enjoyment in helping people to move forward with their finances.   This is one of the main things we look for when we appoint a coach.

We understand that things won't magically fall into place after just one meeting.   It takes encouragement and effort to break old habits.    And sometimes investment strategies need to be reworked over time. An essential ingredient for your success will be regular sessions with your coach.    And isn't it reassuring to know you always have someone to call on any time you need help? And when you're ready to continue with your plans into the second year and beyond, your Wealth Coach will be there to help you grow.

To do this and to achieve the maximum results for each of our clients, see below the Wealthyfrog Coaching System Diagram to help you understand this dynamic process. Each step is individually customised to you and your individual situation.

Wealthyfrog Coaching System

The Freedom Curve

The Freedom Curve is a valuable tool that Wealthyfrog uses to help clients set wealth goals and track progress over time.  Here's a hypothetical example of the variables we input to provide such a graphic representation. (Please note these calculations are for the purposes of example only and should not be relied upon for investment decisions.  Real life situations are much more complex!).

Let's say you want to retire with a passive income of $50,000 per annum and live purely off the income your investments are earning (without eating into the capital). The current value of your investment assets is around $100,000, not including your home. You start working seriously on wealth creation this year and plan to retire in 15 years time. Let's assume that in retirement you can expect to earn about a 5% return on your lump sum plus enough capital growth to keep up with inflation.

To reach the level of passive income you want, you'll need investments to the value of $1 million in today's dollars (over $1.5 million with a constant annual inflation rate of 3%). This graph represents the progress you need to make to achieve your financial goals. Wealthyfrog will help you work out a strategy to achieve those goals and keep you on track. By breaking it down to 3 year milestones it seems a lot less challenging and your million dollar goal becomes much simpler to reach.

It can be hard to get the right advice on getting ahead financially. Financial planners have skills to invest your big super payout and accountants are great for doing your tax return. But how do you learn how to create wealth in the first place?

Create a Strong Foundation

Wealthyfrog provides straightforward answers to everyday issues, like:

• Spending less than you earn
• How to structure your home loan and then pay it off fastest
• Taking control of your credit cards
• Getting organised so you don't stress about money
• Making sure you're getting all your tax breaks
• Paying the minimum amount of bank interest and fees
• Stopping your money leaking away

Build your Investments

When all these things are working for you, you'll then need practical investment solutions. To create wealth, most Wealthyfrog clients lean towards:

• residential property
  
• superannuation
• managed funds

We look at all the options impartially and work with you to form a practical strategy that you can easily follow.

Features, Advantages and Benefits of Unbiased Wealth Coaching 

Features	Advantages	Benefits
Unbiased coaching	Your coach isn’t trying to sell you something	Your coach is 100% focused on your needs and goals
Your own wealth coach who is  qualified, licensed and an investor too	You are being coached and mentored by someone who knows how to help you	You can have confidence in the abilities and integrity of the person coaching you about your money
Ongoing membership	On-going coaching – not just a one-off meeting	Your coach is working with you over time–you're not alone in your journey
One-on-one structured coaching sessions	You meet with your coach regularly to review your finances and progress, develop plans & strategies, and learn about investing to build your wealth	Accountability – the easiest person to break a commitment to you is yourself
Unlimited access by phone & email to your coach	Your coach is available to you between sessions	You don't have to wait until your next session to discuss/explore issues with your coach.
Develop a personalised financial structure	Your finances are organised within a framework that works for you	You get clarity about your finances
Establish a budget that is regularly reviewed and updated with your wealth coach	Enables you to manage your money better every day	You gain control of your finances so money doesn't leak away
Explore ways to increase your income now	Improve your cash flow	More money available to build your wealth
Education on the “nuts and bolts” of investing	You can make informed decisions about investing	You become a confident investor
Develop strategies aimed at achieving your goals	You know how to get to where you want to be in the future	You have increased confidence about achieving your goals
Regular Education Events	You hear from a range of financial experts	You learn more about the world of money and investing
A copy of the book The Richest Man in Babylon by George S. Clason	You learn the timeless principles of money management and investing	You will be able to apply these principles to your own financial success

What to expect from your Coaching Program

Coaching

•  You get your own dedicated Wealth Coach
•  A personalised financial development program
•  Intensive coaching sessions with written summaries and action plans

Education

• Admission to Financial Education Workshops
•  Information Packs and relevant fact sheets for each coaching session
•  Personal education delivered the way you understand it

Mentoring

• Unlimited access to your coach by email or phone
• Someone working for you who is going to keep you on track
• Your coach is a financial expert with a lifetime of investment experience

  

What to expect from Your Wealth Coach

• One-on-one coaching
• Unlimited access to your coach via phone and email
• Challenging ideas to help you progress
• A helping hand and accountability when you need it
• Relevant resources

What you will NOT get from Your Wealth Coach

• You will not be sold properties, investments, property loans, insurance policies or superannuation funds
• You will not be told what to invest in, or how much to invest
• You will not get decisions made for you
• You won't be left to your own devices
• You will not get biased advice
• Advice on investments or strategies that are outside your comfort zone

  

Contact us now for your FREE introductory session... Click here

The information provided on this website may not suit your individual needs, we recommend you seek professional financial advice before making any financial or investment decisions. Wealthyfrog AFSL Pty Ltd; AFSL 276895; ACN 101 092 228.

During early consultations I was very impressed with the simple yet effective financial structure proposed by Wealthyfrog. From no savings this...

Jordan Tomasel