Empowering Financial Independence
Free financial counselling for vulnerable Australians in need.
Empowering Financial Health
Our Mission
At The Financial Wellbeing Agency, we provide free confidential, impartial financial counselling to those in need. Our commitment is to empower individuals facing financial distress, ensuring they have access to the support they need to enable them to achieve financial self-sufficiency.
Capturing moments of hope and FINANCIAL resilience
Hello
Welcome
TFWA provides free, trauma-informed financial counselling through funding from aligned charities and partners. Our financial counsellors are paid professionals, but TFWA is never paid based on client outcomes—ensuring services stay independent, ethical, and client-focused.
TESTAMONIALS
" My wife advised me about the great news regarding our lender involving our car! That is amazing and I wanted to thank you as the pause in these payments will be incredibly helpful for us during this very stressful time in our lives - you have given us that break we have needed to consider the options provided"
"I have been couch surfing for years, I don't even own a bed or car. You are the first person I have told about debt that wasn't mine-you changed my life "
No upcoming events.
Frequently Asked Questions
Please reach us at info@thefinancialwellbeingagency.com if you cannot find an answer to your question.
Who We Can Help — Your Questions Answered
Q: Who do you support?
A: We support people experiencing financial hardship, vulnerability, or exclusion. Our services are free, confidential, impartial, and trauma-informed.
Q: Do you support First Nations clients?
A: Yes. We deeply respect and support Aboriginal and Torres Strait Islander peoples. All financial counsellors have completed cultural awareness training, and we prioritise culturally safe, community-led practice.
Q: Is your service inclusive of LGBTIQA+ communities?
A: Absolutely. We provide respectful, inclusive support to LGBTIQA+ individuals and families navigating financial stress.
Q: Can veterans and older Australians access support?
A: Yes. We work with veterans, older Australians, and their families to address financial hardship and financial wellbeing.
Q: What about single parents and women experiencing family violence?
A: Yes — we offer trauma-informed financial counselling tailored to women, single parents, and those impacted by domestic or family violence.
Q: I live in a rural or remote area. Can I still access help?
A: Definitely. We specialise in regional outreach and offer flexible support options, including phone and online sessions.
Q: Do you support people impacted by natural disasters or homelessness?
A: Yes. We provide compassionate, trauma-informed financial counselling support to those affected by disaster, housing insecurity, or economic crisis.
Q: I’m from a CALD background. Will your service be culturally safe?
A: Yes. We prioritise cultural safety and work with interpreters and community partners to ensure inclusive, respectful support.
What is The Financial Wellbeing Agency (TFWA)?
TFWA is a trauma-informed, independent financial counselling agency delivering free, confidential, and impartial financial wellbeing programs to individuals and communities facing vulnerability. Led by qualified professionals with over 30 years’ experience across financial counselling, professional advisory, and community services, TFWA partners with charities, NGOs, and sector agencies to fill service gaps and support ethical, inclusive reform.
What key services does The Financial Wellbeing Agency provide?
TFWA delivers trauma-informed financial counselling programs that are free, confidential, and impartial. Services include financial counselling, advocacy, financial hardship support, disaster recovery guidance, and strategic collaboration with agencies to support vulnerable individuals and communities. Programs are tailored to meet complex needs and fill service gaps across sectors.
What services can’t a Financial Counsellor provide?
Financial Counsellors offer free, impartial support to eligible clients experiencing financial hardship. However, they cannot:
- Charge fees or accept in-kind payments
- Provide legal, accounting, taxation, or investment advice
- Complete documentation requiring professional advice
- Offer material aid, loans, or finance
- Represent clients in legal proceedings
- Advise on debt agreements under the Bankruptcy Act
- Deliver emotional, family, or technical business counselling
- Recommend branded financial products
Services are strictly designed for vulnerable individuals, families, and small businesses in financial hardship.
How is TFWA funded, and does it cost anything to access support?
TFWA provides free, confidential, and impartial financial counselling service. We do not charge clients, accept commissions, or promote financial products or services. Our work is made possible through ethically aligned partnerships, including government contracts, philanthropic grants, and collaborative sector initiatives. These funding sources support our trauma-informed programs and allow us to operate in accordance with ASIC’s credit licensing exemption and the Australian Financial Counselling Code of Ethical Practice. We are committed to transparent governance, legal compliance, and ensuring that all advice is delivered solely in the client’s best interests—without financial influence or obligation.
Does The Financial Wellbeing Agency require a credit licence?
No. TFWA operates under the ASIC exemption for financial counselling services, meaning we do not require an Australian Credit Licence or Financial Services Licence. This exemption applies because our services are free, independent, and designed to support vulnerable individuals and small businesses in financial hardship. We do not offer credit products, charge fees, or provide financial advice regulated under the Corporations Act or the National Consumer Credit Protection Act.
How does TFWA uphold ethical practice in financial counselling?
TFWA aligns with the Australian Financial Counselling Code of Ethical Practice, which sets out professional standards for respect, empowerment, non-discrimination, confidentiality, and advocacy. Our financial counsellors maintain clear boundaries, avoid conflicts of interest, and act with integrity in all client interactions. We do not offer advice outside our scope, and we prioritise transparency, professionalism, and social justice in every service we deliver.
How does TFWA protect client confidentiality and manage conflicts of interest?
TFWA upholds strict confidentiality in accordance with legal and ethical standards. Client information is only shared with consent or where legally required. We maintain secure data protocols and trauma-informed consent practices to protect privacy at every stage. We also actively identify and manage any potential conflicts of interest. Our financial counsellors do not accept commissions, referral fees, or incentives, and we do not promote specific financial products or services. All advice is impartial, client-led, and delivered in the client’s best interest.
Contact Us
Better yet, contact us soon!
We love our clients, so feel free to contact us to schedule at a time and a day that suits you. All appointments by prior booking. Appointments are available around Australia!
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