Financial Education
Guiding you toward confidence, clarity, and control, so financial choices feel empowered and informed.
Empowering financial confidence and direction, one step at a time. Join me and let's make money work for you!
Financial Education, Life Skills & Counselling that Empower You to Thrive
Why TILLOW?
At TILLOW, we lead with a therapeutically informed approach — because we know that money stress isn’t just about numbers; it’s deeply connected to identity, safety, choice, and emotion. That’s why every service we offer is grounded in therapeutic best practices, helping individuals not only learn financial skills, but also understand the why behind their habits and decisions.
Our approach is anchored in the Five Pillars of Empowered Learning and Financial Wellness — a practical and transformative framework designed to guide participants step-by-step toward lasting financial confidence, independence, and joy.
We’re proud to work from a five-pillar framework that aligns with our hand metaphor for learning and financial wellbeing. These pillars form the heart of everything we do:
The Five Pillars of Empowerment
Therapeutic Practice (Thumb – Foundation & grounding)
Everything begins with safety, connection, and care. Our counselling-first approach builds emotional regulation, trust, and self-awareness—laying the foundation for growth.
Tailored Integration (Pointer Finger – Direction & choice)
No two journeys are the same. We adapt every session and resource to the person in front of us—supporting their unique goals, learning style, and needs.
Sustainable Learning (Middle Finger – Strength & growth)
We don’t just pass on information—we cultivate lasting habits. Every resource, session, and tool is designed for long-term understanding and real-world application.
Empowered Autonomy (Ring Finger – Relationship & identity)
Financial decisions are tied to identity, values, and lived experience. We honour that deeply—supporting confident choices that reflect each person’s independence and dignity.
Joyful Engagement (Pinky – Fun & celebration)
Money doesn’t have to be heavy. At TILLOW, we keep things playful, colourful, and celebratory—so learning becomes something people actually look forward to.
Work with us
Financial Education
Learn the essentials of money management in a fun and approachable way. Build confidence and creating a positive money mindset!
Branch Out
An online, self-paced program that helps you plant the seeds of financial wellness and grow at your own pace.
LIFTEd
Empowering allied health professionals and NDIS support workers to support others in achieving financial confidence
Earning Independence
Embark on a journey to strengthen your financial literacy and make exploring the financial world beyond school smoother and more manageable.
Our Services
1:1 Counselling & Financial Education Support
Your life. Your goals. Your way—
with a little support along the way.
These sessions are a unique blend of counselling and/or mentoring and education, tailored to your specific needs.
You’ll be supported to:
Set achievable goals, understand habits and how they relate to your values and learn skills and develop strategies that support you.
Available under the NDIS Capacity Building line item
Training & Support for Professionals
Train your team to support financial wellness
with compassion and confidence.
LIFTEd is a professional development workshop that equips Allied Health professionals and support workers with tools to facilitate money conversations that matter.
Through a therapeutically informed lens, you’ll learn:
How to recognise financial stress and capacity barriers
How to encourage decision-making and money confidence
Practical ways to build budgeting and life admin into everyday support
When and how to integrate counselling, coaching, and mentoring techniques
This training is light, interactive, and infused with the same warmth and celebration we bring to all financial learning. You’ll leave with tools you can use immediately—and the confidence to guide without pressure.
✅ Includes downloadable participant tools
✅ Delivered in-person or online
✅ Certificate provided for PD hours
What People Are Saying!
Sam F
Absolutely impressed by Tillow Coaching and Consulting! Their services, from financial education and coaching to wealth and mindset coaching, have been a game-changer for my business and personal growth. If you're looking to up your financial game and mindset, Tillow Coaching is the real deal. Highly recommend!
Heidi H
Director, Lift Supports
"Jess has managed to increase financial literacy and increase the motivation and independence of a number of our participants. She offers unique, holistic support that is fundamental in building capacity for NDIS Participants. She has succeeded where many others have not met the need and I cannot recommend her services too highly."
Chris J
Society Link
As someone who runs a support service, I work alongside and in collaboration with Jess and her team of professionals in helping build financial stability, business ideas for my clients. I highly recommend Tillow to not just NDIS professionals but anyone trying to get ahead in life.
Reviews
Trusted By Over 100+ Clients
With a proven track record of helping individuals and businesses achieve financial confidence.
Branch Out
Imagine a money program that's all about you—where financial wellness feels less like a chore and more like an exciting journey 🌟. Branch Out is a self-paced, online experience designed to shake up the way you see and handle money. With fun, interactive sessions, you'll rediscover your financial confidence, curiosity, and control, without any of the typical stress or pressure 😊.
This isn’t just another financial course; it’s a chance to tap into fresh insights and build a relationship with money that feels empowering and uniquely yours. Whether you’re rejoining to deepen your skills or taking that first step towards real financial ease, Branch Out meets you right where you are, cultivating independence, confidence, and choice 🌱. With our light-hearted, inquisitive approach, you'll gain tools to support your goals, unlock joy in the process 🎉, and celebrate each win on your financial journey 🥂. Start today with Branch Out and see how rewarding financial wellness can be! 💸✨
Financial Wellness & Education
Fun, light, and transformative learning for real-life financial confidence.
TILLOW’s financial education is built on a foundation of empathy, neuro-informed design, and joyful learning. We know that money can feel heavy—but it doesn’t have to be. We offer two formats:
Self-Paced Online Learning
Perfect for individuals who want to explore financial wellness at their own pace. This option includes:
Short, engaging videos
Printable worksheets and reflection prompts
The “High Five Your Money” hand framework
Real-world activities focused on saving, spending, and intentional living
Financial Wellness (1:1 Individual Support) in person or online
Participants work directly with a Jess to:
help people explore the habits and emotions behind money so they can feel confident, empowered, and in control. By focusing on financial wellness, we support healthier choices, stronger independence, and a shift from just surviving to truly thriving.
All sessions are gentle, non-judgmental, and tailored to the participant’s pace and learning style.
NDIS-funded as Peer Mentoring, Financial Capacity Building, or Counselling (if applicable)
Branch Out
Imagine a money program that's all about you—where financial wellness feels less like a chore and more like an exciting journey 🌟. Branch Out is a self-paced, online experience designed to shake up the way you see and handle money. With fun, interactive sessions, you'll rediscover your financial confidence, curiosity, and control, without any of the typical stress or pressure 😊.
This isn’t just another financial course; it’s a chance to tap into fresh insights and build a relationship with money that feels empowering and uniquely yours. Whether you’re rejoining to deepen your skills or taking that first step towards real financial ease, Branch Out meets you right where you are, cultivating independence, confidence, and choice 🌱. With our light-hearted, inquisitive approach, you'll gain tools to support your goals, unlock joy in the process 🎉, and celebrate each win on your financial journey 🥂. Start today with Branch Out and see how rewarding financial wellness can be! 💸✨
Counselling
Supporting wellbeing through emotional and personal growth.
TILLOW provides Level 1 Counselling services under the Australian Counselling Association (ACA) framework. Delivered exclusively online, these sessions are designed to support individuals in developing clarity, building emotional regulation, and navigating life’s challenges with practical tools and therapeutic support.
Areas we can support with include:
- Managing stress and overwhelm
- Navigating transitions and uncertainty
- Exploring personal values, identity, and purpose
- Building confidence and self-esteem
- Developing healthy habits and decision-making strategies
- Reflecting on money beliefs and emotional patterns tied to spending, saving, and self-worth
Our approach integrates solution-focused and narrative counselling techniques with coaching-style reflection, allowing clients to feel empowered, heard, and supported.
🌱 Online only
🌱 Available under Therapeutic Supports (NDIS)
Branch Out
Imagine a money program that's all about you—where financial wellness feels less like a chore and more like an exciting journey 🌟. Branch Out is a self-paced, online experience designed to shake up the way you see and handle money. With fun, interactive sessions, you'll rediscover your financial confidence, curiosity, and control, without any of the typical stress or pressure 😊.
This isn’t just another financial course; it’s a chance to tap into fresh insights and build a relationship with money that feels empowering and uniquely yours. Whether you’re rejoining to deepen your skills or taking that first step towards real financial ease, Branch Out meets you right where you are, cultivating independence, confidence, and choice 🌱. With our light-hearted, inquisitive approach, you'll gain tools to support your goals, unlock joy in the process 🎉, and celebrate each win on your financial journey 🥂. Start today with Branch Out and see how rewarding financial wellness can be! 💸✨
Earning Independence
Empowering school leavers and support workers to thrive financially and confidently.
Earning Independence is a TILLOW-developed financial wellness program specifically designed for:
SLES providers
supporting young people transitioning from school
Independent or agency-based support workers
building life skills with their clients
Support your participants with -
Managing stress and overwhelm
Navigating transitions and uncertainty
Exploring personal values, identity, and purpose
Building confidence and self-esteem
Developing healthy habits and decision-making strategies
Reflecting on money beliefs and emotional patterns tied to spending, saving, and self-worth
Our approach integrates solution-focused and narrative counselling techniques with coaching-style reflection, allowing clients to feel empowered, heard, and supported.
This ready-to-go training package includes:
Staff Training
Participant-ready activities on budgeting, banking, and goal-setting
Short videos and interactive tools for in-session and between-session use
Training modules for support workers to develop confidence in discussing money
Reflection tools to promote autonomy and skill development in real-world settings
Why it works:
The program blends life admin, money learning, and identity exploration using TILLOW’s signature hand framework, all backed by counselling-informed practices.
🌱 Subscription access via the LIFTEd Portal
🌱 Includes both participant and practitioner content
🌱 Ideal for SLES, employment mentoring, and transition planning
Branch Out
Imagine a money program that's all about you—where financial wellness feels less like a chore and more like an exciting journey 🌟. Branch Out is a self-paced, online experience designed to shake up the way you see and handle money. With fun, interactive sessions, you'll rediscover your financial confidence, curiosity, and control, without any of the typical stress or pressure 😊.
This isn’t just another financial course; it’s a chance to tap into fresh insights and build a relationship with money that feels empowering and uniquely yours. Whether you’re rejoining to deepen your skills or taking that first step towards real financial ease, Branch Out meets you right where you are, cultivating independence, confidence, and choice 🌱. With our light-hearted, inquisitive approach, you'll gain tools to support your goals, unlock joy in the process 🎉, and celebrate each win on your financial journey 🥂. Start today with Branch Out and see how rewarding financial wellness can be! 💸✨
LIFTEd
Professional Development training for Allied Health
and NDIS professionals.
Financial education meets therapeutic awareness in this engaging PD workshop.
LIFTEd (Lifelong Independence through Financial Training and Education) is a professional development experience for Allied Health and NDIS professionals who want to confidently support their clients’ financial wellness.
This PD offering includes:
A workshop grounded in therapeutic communication principles
Tools for facilitating budgeting, planning, and money reflection
The High Five Your Money hand framework as a teachable model
Practical integration strategies for OTs, psychologists, speech pathologists, support workers, and more
Activities and prompts that professionals can use immediately
Participants receive:
🌱 Certificate of completion
🌱 TILLOW-branded tools and handouts
🌱 Optional access to the LIFTEd Portal for ongoing support
✅ Customisable for teams or individual clinicians
✅ Delivered in-person or virtually
✅ Light, empowering, and practical from start to finish
LIFTEd Portal
🌿 Take it to the Next Level with the LIFTEd Portal
Imagine if every powerful idea from your training didn’t just stay in the training room… but followed you into your day-to-day work, ready to use with every participant.
That’s what the LIFTEd Portal makes possible.
The LIFTEd Portal is TILLOW’s exclusive online portal—packed with videos, quizzes, and practical resources that bring the High Five Your Money philosophy and hand framework to life. It’s designed so you and your team can revisit, refresh, and refine your skills anytime… ensuring financial education stays seamless, consistent, and participant-led.
With the LIFTEd Portal, you’re never left wondering how to introduce a concept, what activity to run, or when to weave money skills into a session. Instead, you have:
On-demand video refreshers for each part of the hand framework
Interactive quizzes to check your own understanding and boost participant engagement
Downloadable tools and prompts for immediate use in sessions
Fresh, updated content so your team stays current and confident
And the best part? Because it’s aligned with the Key Worker Model, every professional in your team can speak the same financial language—making it easier to reinforce skills across therapy, support, and daily living activities.
The LIFTEd Portal isn’t just an add-on—it’s the bridge between learning the theory and living the change.
Spaces for LIFTEd Portal access are limited to trained LIFTEd and Earning Independence graduates, so securing your subscription now ensures your team has this vital layer of ongoing support.
Branch Out
Imagine a money program that's all about you—where financial wellness feels less like a chore and more like an exciting journey 🌟. Branch Out is a self-paced, online experience designed to shake up the way you see and handle money. With fun, interactive sessions, you'll rediscover your financial confidence, curiosity, and control, without any of the typical stress or pressure 😊.
This isn’t just another financial course; it’s a chance to tap into fresh insights and build a relationship with money that feels empowering and uniquely yours. Whether you’re rejoining to deepen your skills or taking that first step towards real financial ease, Branch Out meets you right where you are, cultivating independence, confidence, and choice 🌱. With our light-hearted, inquisitive approach, you'll gain tools to support your goals, unlock joy in the process 🎉, and celebrate each win on your financial journey 🥂. Start today with Branch Out and see how rewarding financial wellness can be! 💸✨
The Story behind Tillow Coaching & Consulting
Empowering Financial Growth, One Choice at a Time
At TILLOW Coaching and Consulting, we believe that money is a tool for growth, not a source of stress. Our purpose is rooted in the idea that financial knowledge can transform lives by breaking the cycle of money struggles, creating opportunities for individuals and families to thrive, and opening doors to new possibilities for future generations. We bring lightness and laughter to the topic of money, redefining it as a source of empowerment and joy. Jess founded TILLOW to help people see that financial wellness is achievable for everyone, regardless of their income level or circumstances.
The name TILLOW comes from an old English word meaning “new growth” from the branch of a tree. This idea of growth and renewal is at the heart of what we offer: simple, practical tools to equip individuals with straightforward strategies to feel in control of their finances; real-life support addressing challenges like making ends meet on modest incomes or managing money while living with a disability; and inclusive programs designed for everyday people, not financial experts. We believe financial empowerment is for everyone.
Our approach to financial education is approachable, clear, and enjoyable. We offer personalized coaching to address unique financial challenges, interactive and fun learning experiences with peers, and flexible, self-paced tools that foster lasting changes. Each offering reflects our commitment to accessibility, warmth, and inclusivity. We meet people where they are and help them move forward with confidence.
Discover simple, fun, and approachable ways to take control of your finances, gaining confidence, clarity, and control to make empowered and informed financial choices. Imagine a life where you understand your financial situation, know exactly where your money is going and why, gain the freedom to make choices that align with your goals and values, and build generational wealth by passing down positive money habits to loved ones. TILLOW Coaching and Consulting is here to guide you on your journey to financial confidence and freedom. Through laughter, lightness, and growth, Jess and the TILLOW team are transforming lives one step at a time.
Money doesn’t have to be heavy. It can be fun, light, and empowering. Let’s embrace new ways of thinking about finances and create a healthy, wealthy future together.
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General Advice Warning (Disclaimer) The information provided on this website is general in nature and does not constitute personal financial advice. It is recommended that you consider whether the information is appropriate for your situation and that you seek independent financial and legal advice relating to your own personal circumstances. Tillow Coaching and Consulting does not make any representations as to the accuracy, reliability or completeness of information contained within the website or material from linked third party websites. Please see privacy policy for more information.