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!
Behavioural change that builds confidence,independence,
and a healthier
relationship with money.
At TILLOW, we offer counselling, mentoring, and financial education & training — supporting you to understand your patterns, build practical skills, and create lasting change in everyday life.
We gently explore your relationship with money, helping you understand money behaviours, reduce stress, and feel more confident in the way you make decisions.
TILLOW provides online counselling and financial wellbeing support across Australia.
Why TILLOW ?
At TILLOW, we understand that real change doesn’t come from information alone — it comes from understanding your patterns and creating new ones that actually work in everyday life.
That’s why our approach is therapeutically informed, supporting not just what you do, but why you do it. We explore the connection between emotions, habits, identity, and decision-making — including your relationship with money — so change feels meaningful, not forced.
Everything we offer is designed to feel practical, supportive, and sustainable, helping you build confidence, strengthen independence, and make choices that align with your life.
Because when learning feels safe, personalised, and even a little bit enjoyable…
that’s when real change happens.
Our Services
Counselling
Supporting behavioural change, emotional wellbeing,
and a more confident relationship with money.
At TILLOW, we understand that real change doesn’t come from information alone — it comes from understanding your patterns and creating new ones that actually work in everyday life.
That’s why our approach is therapeutically informed, supporting not just what you do, but why you do it. We explore the connection between emotions, habits, identity, and decision-making — including your relationship with money — so change feels meaningful, not forced.
Everything we offer is designed to feel practical, supportive, and sustainable, helping you build confidence, strengthen independence, and make choices that align with your life.
Because when learning feels safe, personalised, and even a little bit enjoyable…
that’s when real change happens.
NDIS Counselling & Capacity Building
Your life. Your goals. Your way —
with support that creates real change.
Through a counselling-led approach, TILLOW supports participants to build confidence, independence, and everyday life skills in a way that feels practical and sustainable.
Sessions focus on behavioural change — exploring patterns, decision-making, emotional responses, and the habits that shape daily life. Together, we develop strategies that support greater independence, improved wellbeing, and confidence in navigating everyday responsibilities.
Where appropriate, sessions may include structured tools and frameworks to support routines, organisation, and financial wellbeing — always tailored to the participant’s goals and delivered within a therapeutic, person-centred approach.
Financial Education Self-Paced Course
High-five your money
and discover how fun and freeing it can be.
A simple, self-paced program with short videos and activities to make money feel light and manageable. Using TILLOW’s playful Hand Framework, you’ll learn how to budget, save, and spend with confidence — turning money into a tool that works for you.
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
Earning Independence –
Student & SLES Program
Real-world learning for students navigating money, life, and independence.
Earning Independence is an engaging presentation-style program designed for SLES providers, schools, and transition settings. Delivered as an interactive incursion or workshop, the program supports students to explore financial wellbeing, routines, decision-making, and everyday independence in a way that feels practical, relatable, and empowering.
The core session can be delivered as a standalone 60–90 minute workshop or paired with a follow-up Professional Development session for staff. This supports educators and support teams to continue meaningful conversations and confidently guide students through the activities and concepts introduced during the session.
Participants receive workbook-style handouts and practical activities to support ongoing reflection and learning after the workshop concludes.
✅ Interactive student presentations
✅ Workbook activities and take-home resources
✅ Optional follow-up staff PD
✅ Ideal for SLES, VCE-VM, and transition programs
Important Note
At TILLOW, we provide counselling, education, and capacity-building supports under the NDIS. Our work focuses on building skills, confidence, and independence. We do not provide financial advice. All financial discussions are delivered as education and exploration to promote choice, control, and informed decision-making by participants.
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.
Every journey is different, but here’s what people often notice…
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.
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! 💸✨
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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.