Founding Cohort · 10 places · Starts January 2027
Three money tools in the palm of your hand.Know where you are. Know where you're headed.
Wealth Compass is a digital service from Inspired Money. It puts three tools within reach, with a coach alongside you to make sure you actually use them.
Why we built it
Great tools are easy to find. Using them is the hard part.
Most people already have access to apps that track spending or project their super. Very few use them well, or act on what they see.
Wealth Compass pairs the tools with a simple monthly rhythm and a real person who checks in. And when a bigger decision comes up, a licensed adviser is right there.
"Australians deserve clarity about their money, and access to help they can actually afford."
Conrad Francis, Founding Director, Inspired Money
One service. Three tools. All within reach.
What you get
Wealth Portal
See your accounts, super, property and budget in one secure view on your phone. Access to your bank data is read-only.
Otivo
Personal digital financial advice on super, retirement, debt and everyday money decisions, whenever you need it. Provided by Otivo under its own licence.
Financial Knowledge Centre
Clear, trusted education from Iress for when you want to understand the "why" behind a decision.
Plus a team alongside you
Founding members get a 1:1 setup session and four live group sessions on Microsoft Teams with our money coach over your first 12 weeks. When a bigger decision comes up, we'll connect you with a licensed adviser.
Your first 12 weeks
One quarter, one clear rhythm
Starting Monday 18 January 2027 and finishing in mid-April. One 1:1 session to get you set up, then four live group sessions on Teams, each about an hour.
- Weeks 1–2 · 1:1
Your setup session
A one-on-one call with our money coach to link your accounts, get comfortable with the three tools and agree what you want from the quarter.
- Week 2 · Group session 1
Know where you are
Your whole picture in one place: what you own, what you owe and where your money goes.
- Week 5 · Group session 2
Your spending plan and debt
Build a plan that fits real life and a clear approach to paying down debt.
- Week 9 · Group session 3
Super, retirement and protection
Use Otivo to check you're on track, and learn the basics of protecting your income and family.
- Week 12 · Group session 4
Know where you're headed
Set your goals for the year ahead and leave with a short summary of your next steps.
Founding price
Half price for our first 10 members
In return, we ask for your honest feedback so we can make Wealth Compass better for everyone who comes next.
$795 a year incl. GST, billed monthly with a 12-month minimum. $1,595 standard price.
- Wealth Portal, Otivo and the Knowledge Centre
- A 1:1 setup session with our money coach
- Four live group sessions on Teams over 12 weeks
- A clear path to a licensed adviser if you need one
Is it for you?
Wealth Compass suits some people better than others
● A great fit if you
- Earn an income and want a clear picture of your cash flow, super and goals
- Are comfortable using apps on your phone and linking your accounts
- Are happy to give feedback and join four group sessions on Teams
● Probably not right now if you
- Have a complex decision in front of you, like aged care, selling a business or estate planning. Personal advice will serve you better.
- Are already an Inspired Money advice client. Ask your adviser about our two-licence offer instead. Your friends and family are very welcome to apply.
What happens next
Three simple steps
Apply
Two minutes. Tell us a little about you and what you'd like help with.
Fit call
Daniel, our money coach, books a 15-minute call to make sure it's right for you.
Join
Places are offered to the first 10 people who are a good fit. Everyone else goes to the front of the queue for the next cohort.
Questions
Good to know
Can I apply if a friend or family member is an Inspired Money client?
Yes, please do. Friends and family of our clients are very welcome to apply for the Founding Cohort.
Is this financial advice?
Partly. Otivo provides personal digital advice on the topics it covers, under its own Australian financial services licence. Read Otivo's Financial Services and Credit Guide before you use it. Our setup session, group sessions and Wealth Portal are general in nature and don't take into account your personal objectives, financial situation or needs. If you need personal advice beyond what Otivo covers, we'll connect you with one of our licensed advisers, which is a separate service.
Is my data safe?
Wealth Portal connects to your accounts with read-only access, so nothing can be moved or changed. We'll walk you through exactly how it works on your welcome call before you link anything.
What does "12-month minimum" mean?
The founding price is $795 for your first year, paid as $66.25 a month. You can cancel for a full refund within 14 days of accepting your place, as long as your setup session hasn't happened yet. After that, the remaining instalments for your 12 months stay payable: because the founding price is heavily discounted, we don't offer refunds or early release outside the cooling-off period. This doesn't affect your rights under the Australian Consumer Law. Full terms are provided before you join.
What happens after 12 months?
Your founding price covers your first 12 months. From year two, Wealth Compass continues at the standard price of $1,595 a year, or you can stop at that point. We'll remind you well before your renewal date.
How much time will it take?
Over the first 12 weeks: one 1:1 setup session, four group sessions on Teams of about an hour each, and a quick weekly check of your Wealth Portal. After that, the tools are yours to keep using for the rest of your 12-month subscription.
What if the 10 places fill up?
You'll go on the waitlist for our next cohort, and we'll let you know as soon as it opens.
10 places · Applications close 11/01/2027
Ready to know where you're headed?
Applying takes about two minutes and doesn't commit you to anything.
Start my application