WELF is designed for anyone looking to take control of their money, including:

• People wanting financial security – Whether you’re getting started or looking to improve your financial health.
• First-home buyers – Learn how to save, budget, and prepare for homeownership.
• Families & caregivers – Manage household expenses and plan for the future.
• Anyone ready to take action – If you're tired of money stress and want a clear path to financial freedom, WELF is for you!

WELF guides you through a series of steps designed to improve your financial wellness:

• Coaching Emails – Receive practical advice and easy-to-follow steps straight to your inbox.
• Financial Wellness Score – We track your progress and help you improve over time.
• Accountability & Support – Stay on track with reminders and ongoing guidance.

You can choose how you go through the program:

Auto WELF (Self-Guided) – No Human Coach

• Get step-by-step financial coaching emails.
• Work at your own pace with interactive tools.
• Perfect for those comfortable managing their finances independently.

Guided WELF (With a Money Coach)

• A personal Money Coach helps you through the process.
• Meet with your coach via phone or Microsoft Teams when needed.
• Great for those who want expert guidance, accountability, and personalised advice.