Clear guidance for your personal finances and business challenges
Whether you’re managing your household budget for the first time, navigating a financial change, or running a small business that needs fresh eyes and practical solutions—we’re here to help.
At AJ Home Loans Gladstone, we offer compassionate, no-judgement coaching that empowers you to take control, make confident decisions, and move forward with clarity.
No jargon. No pressure. Just real support for real people.
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What is Money Coaching?
Personal Finance Clarity Coaching
Finally understand your money and feel in control
If you’re navigating a life change—separation, job transition, loss of a partner, or managing finances independently for the first time—this service is designed to help. Many people were never taught strong financial habits, and that’s okay. We meet you exactly where you are, without judgement.
This service is for you if you:
Want to build money habits that stick—without feeling stressed or ashamed
Feel overwhelmed or unsure about managing your finances
Are navigating a change in circumstances and don’t know where to start
Want to understand where your money is going and how to make it work better
Need a simple, realistic plan to move forward with confidence
What we’ll do together:
✅ Review your financial situation
We’ll look at your income, expenses, bills, and accounts—no judgement, just clarity.
✅ Create a budget that actually fits your life
A realistic, practical budget you can follow, not a strict plan that falls apart in week two.
✅ Organise your financial obligations
Sort out bills, accounts, and payments so nothing slips through the cracks.
✅ Identify opportunities to reduce stress
Find ways to improve cash flow, reduce pressure, and free up breathing room.
✅ Set simple, achievable goals
Break down big goals into small, practical steps you can take right away.
✅ Build better money habits
Learn strategies that make managing money feel easier and more natural over time.
✅ Get guidance on everyday decisions
Should I pay off this debt first? Can I afford this expense? We’ll talk through it together.
Outcome:
You’ll leave with clarity, confidence, and a plan you can actually follow—so your finances feel manageable again, and you know you’re in control.
Starting Price: From $200 per hour
Who benefits from Personal Finance Coaching?
Our personal finance coaching is ideal for:
- First home buyers wanting to prepare their finances for a mortgage
- Individuals navigating separation or divorce and managing money solo for the first time
- People re-entering the workforce or adjusting to changed income
- Anyone rebuilding after financial setbacks—job loss, medical expenses, or unexpected costs
- Families wanting to get on top of household budgeting and reduce stress
- People planning for major life changes—retirement, downsizing, or helping elderly parents
Business Coaching & Support
Practical help for small business owners and aspiring entrepreneurs
Running a business is tough. Sometimes you need an experienced, outside perspective to identify what’s not working, troubleshoot problems, or plan your next move with confidence.
Business coaching isn’t Coral’s primary focus at AJ Home Loans Gladstone, but she offers it to support local business owners.
She has worked with a range of organisations—both small and large—including major Telco companies in Queensland, drawing on her extensive experience in small business performance, start-ups, operations, team development, and strategic planning.
Business Clarity Sessions
Sometimes you just need to talk it through.
If you’re facing a challenge, evaluating an opportunity, or simply need an experienced sounding board, a clarity session gives you actionable insights without a formal commitment.
What you get:
- Discuss challenges and opportunities in your business
- Identify priorities and clear next steps
- Brainstorm solutions in a safe, no-pressure environment
How it works:
Minimum 1-hour session via Zoom, phone, or in-person. Tailored to your needs. Additional sessions can be booked as required.
Pricing: $200 per hour
Formal Business Coaching Services
1. Small Business Due Diligence & Start-Up Coaching
Thinking about buying a business or starting from scratch?
Before you invest your time, money, and energy, let’s make sure the opportunity is solid—and that you have a realistic plan to succeed.
This service is for you if you:
- Want to check if a business idea or existing business has real profit potential
- Need clarity on costs, cash flow, and realistic expectations
- Don’t want to “just buy a job” without a clear plan
- Need guidance on business structure, setup, and next steps
What we’ll work through together:
- Reviewing business financials and operational performance
- Understanding cash flow, expenses, and potential earnings
- Identifying risks and red flags
- Planning realistic growth and profitability
- Creating clear, actionable steps to move forward
Outcome: Clarity, confidence, and a plan to start or purchase a business successfully.
Starting Price: From $1,200
(Final price quoted based on business size and complexity)
2. Small Business Troubleshooting & Performance Coaching
Not seeing the results you expected?
If your business isn’t performing the way you hoped, it’s time to identify gaps, inefficiencies, and missed opportunities—and create a practical plan to turn things around.
This service is for you if you:
- Are unsure why revenue or profitability isn’t growing
- Want to focus on changes that will have the biggest impact
- Need a practical plan to get back on track
What we’ll work through together:
- Review current business operations and performance
- Identify inefficiencies and missed opportunities
- Prioritise improvements that create real results
- Develop a step-by-step action plan
Starting Price: From $1,500
(Quote depends on scope of analysis and recommendations)
3. On-Site Business Observation & Staff Review
The biggest problems aren’t always in the numbers—they’re in daily operations.
Sometimes you need fresh eyes to watch how your team works, identify bottlenecks, and recommend practical solutions to improve efficiency and customer experience.
This service is for you if you:
- Want to see how your team is performing and identify workflow gaps
- Need an external, experienced perspective
- Want practical solutions to improve operations and customer experience
What we’ll work through together:
- Observe staff, workflow, and operational efficiency
- Identify bottlenecks and missed opportunities
- Recommend clear, actionable improvements
Starting Price: From $1,200
(Price depends on business size, number of staff, and location)
4. Staff & Management Training Gap Assessment
Are your staff and managers performing at their full potential?
Sometimes the issue isn’t motivation—it’s missing skills, knowledge, or training. This service helps you assess your team, identify gaps, and build a stronger workforce, including guidance on hiring the right people.
This service is for you if you:
- Want to improve staff performance and productivity
- Are unsure if managers have the skills to lead effectively
- Want to identify skill gaps affecting operations or customer service
- Need a practical plan to train your team
- Struggle with hiring and selecting the right applicants
What we’ll work through together:
- Observing staff and management in their daily roles
- Identifying skill gaps, knowledge gaps, and training needs
- Assessing workflow, leadership, and team effectiveness
- Providing actionable recommendations for training and development
- Creating a structured plan to upskill your team
- Recruitment guidance: Develop a clear hiring process, write effective job descriptions, screen applicants, and interview candidates to select the best fit
Outcome: A clear understanding of your team’s strengths and weaknesses, a plan to upskill staff, and a repeatable recruitment process to hire confidently.
Starting Price: From $1,200
(Quote based on team size and complexity)
5. Owner Training & Team Coaching Skills
Want to train your team yourself?
Learn practical coaching techniques so you can develop your staff consistently, make them more skilled and confident, and reduce reliance on outside help.
This service is for you if you:
- Want to train your team yourself rather than relying on outside help
- Struggle to train staff consistently
- Need practical coaching techniques for managers or frontline staff
What we’ll work through together:
- Hands-on coaching and training techniques
- Create simple, repeatable training systems
- Motivate and develop managers and staff
- Provide tools and templates for ongoing development
Starting Price: From $1,200
(Final price depends on number of staff and scope of training)
6. Strategic Planning & Goal Setting
A business without clear direction struggles to grow.
Let’s define your objectives, set achievable goals, and create an actionable plan so you can move forward with confidence.
This service is for you if you:
- Want a structured growth plan
- Need help setting achievable goals and tracking results
- Want accountability and guidance
What we’ll work through together:
- Define business vision, mission, and objectives
- Set SMART goals and KPIs
- Create a 6–12 month action plan
- Establish monitoring and accountability processes
Starting Price: From $1,000
(Price depends on business size and number of planning sessions)
7. Business Process & Systems Implementation
Many small businesses underperform because they lack consistent processes.
Let’s document workflows, implement simple systems, and improve efficiency so your business runs smoothly—even when you’re not there.
This service is for you if you:
- Want your business to run smoothly without constant firefighting
- Need processes and systems that support staff and managers
- Want to reduce errors, improve efficiency, and scale
What we’ll work through together:
- Map workflows and processes
- Create simple, practical SOPs (Standard Operating Procedures)
- Implement operational systems
- Provide tools to monitor and maintain processes
Starting Price: From $1,500
(Quote depends on business size and system complexity)
Business Coaching Services Summary
| Service | Starting Price | What’s Included |
|---|---|---|
| Small Business Due Diligence & Start-Up Coaching | From $1,200 | Coaching, financial review, risk analysis, due diligence checklist, and actionable next steps |
| Small Business Troubleshooting & Performance Coaching | From $1,500 | Review of financials, operations assessment, and actionable improvement plan |
| On-Site Business Observation & Staff Review | From $1,200 | Observation of staff, workflow review, identification of bottlenecks, practical recommendations |
| Staff & Management Training Gap Assessment | From $1,200 | Assessment of staff and management skills, workflow, and training gaps, plus structured improvement plan |
| Owner Training & Team Coaching Skills | From $1,200 | Coaching on practical techniques, templates, and systems to train your team effectively |
| Strategic Planning & Goal Setting | From $1,000 | Business goals, KPIs, action plan, and accountability framework |
| Business Process & Systems Implementation | From $1,500 | Workflow mapping, SOPs, operational systems, and tools to improve efficiency |
All business coaching pricing is customised based on business size, complexity, and scope. Contact us for a tailored quote.
Why Choose AJ Home Loans for Coaching?
✅ Family-first, supportive approach – We treat you like we’d treat our own family
✅ Extensive experience – Personal finance coaching, small business coaching, and operational support
✅ Practical, actionable advice – No jargon, no judgement, just clear guidance
✅ Flexible appointments – Available 7 days a week
✅ Trusted by hundreds – Real results for real people
What Clients Say
Frequently Asked Questions
What’s the difference between money coaching and financial advice?
Money coaching focuses on building your financial literacy, improving habits, and helping you manage everyday finances. It does not involve investment advice or recommending specific financial products.
Do I need a certain income level to benefit from money coaching?
No—money coaching is for everyone, regardless of income. We tailor our approach to suit your circumstances and goals.
How long does a coaching program last?
It depends on your needs. Some clients benefit from one or two sessions, while others choose ongoing support. We’ll discuss the best approach for you.
Is business coaching regulated like financial advice?
No—all business coaching services are consulting and coaching, not regulated financial advice. Statements about business performance are guidance, not guarantees. Financial review is for insight and coaching purposes only, not personal financial advice.
How do I know which business coaching service I need?
Not sure? Book a Business Clarity Session ($200/hour) to talk through your challenges and identify the best path forward.
Ready to Take the First Step?
Whether you want to build better money habits, reduce stress, or get practical help with your business—we’re here to help.
Contact AJ Home Loans Gladstone today to book your coaching session.
📞 Phone: 0409 311 985
✉️ Online Enquiry: Use the contact form above or visit our contact page
AJ Home Loans Gladstone – Empowering clients with practical, personalised coaching for personal finances and small business success.
FAQs About Money Coaching
What is the difference between money coaching and financial advice?
Money coaching focuses on building your financial literacy, improving habits, and helping you manage everyday finances. It does not involve investment advice or recommending specific financial products.
Do I need a certain income level to benefit from money coaching?
No — money coaching is for everyone, regardless of income. We tailor our approach to suit your circumstances and goals.
How long does a money coaching program last?
It depends on your needs. Some clients benefit from one to two session, while others choose ongoing support. We’ll discuss the best approach for you.
Is there a fee for money coaching?
Yes — we offer transparent pricing for coaching packages. Please contact us for current rates.
