Financial
confidence
builds capable
people.
We help organisations reduce financial stress and build lasting capability through expert-led, human centred programmes.
Money
is technical.
People are
human.
Better people
make better
decisions.
Financial stress
rarely announces itself.
It shows up in distraction, disengagement, absenteeism and reduced performance. For many employees, money is the hidden weight affecting their wellbeing and work.
NZ employees report financial stress
more likely to experience anxiety or depression
say money impacts their performance
want more financial education at work
A more human approach to financial wellbeing.
We go beyond information. Our framework addresses the four layers that influence real financial capability.
Explore the frameworkFinancial Decisions
Saving · Spending · KiwiSaver · Investing · Protection
Mindset & Behaviour
Confidence · Habits · Beliefs · Emotions
It's not just
what people know.
It's what they do next.
One understands money.
One understands people.
Zara Malcolm and Nicky Russell bring together independent financial advisory expertise and behavioural coaching to create lasting change.
Zara Malcolm
Founder of FoundHer Financial Planning · Licensed Financial Adviser
Specialises in fee-only independent advice. With 50+ clients supported and over $1M in unnecessary fees and costs saved.
Nicky Russell
Founder of The Holistic Life Coach · IWA Certified Life Coach
Specialises in emotional intelligence, resilience, and behavioural change. Creates psychologically safe spaces for honest, transformative conversations.
Financial knowledge without behaviour change rarely creates lasting results. Together, they do.
Ready to build a more capable, confident team?