The SF-15™ Program Guide

 

You've Been Playing the Wrong Game

You're smart. You're successful. You earn well.

Yet here's the uncomfortable truth: You're still trading hours for dollars in a game designed to keep you working until 65.

The traditional financial system has you believing that 40 years of work equals freedom. That your only path is to slowly accumulate, hope the market performs, and pray you have enough when you're too old to enjoy it.

But what if the real problem isn't your income, your savings rate, or even your investment returns?

 

 

The Hidden Enemy: The 40-Year Trap

Why Traditional Financial Planning Fails High Achievers

The financial industry's dirty secret: They profit from your confusion and inaction.

  • Complexity by Design: They make it complicated so you stay dependent
  • One-Size-Fits-All: Generic advice that ignores your unique earning power
  • The Waiting Game: Telling you to be "patient" while they collect fees for decades
  • The Retirement Myth: Selling you a dream of freedom at 65 when you could have it at 45

You're not failing at finance.

You're succeeding at the wrong system. 

Introducing SF-15™:

The Wealth Acceleration System for High Performers

 

From 40 Years to 15: The Mathematical Breakthrough

SF-15™ isn't another budgeting app or investment strategy. It's a complete reimagining of how high-income earners build wealth.

When you combine strategic debt elimination, intelligent asset allocation, and equity acceleration techniques used by the ultra-wealthy, you can compress 40 years of wealth-building into 15.

What You Get:

The Complete SF-15™  Transformation Journey

 

 

Phase 1: The Foundation (Weeks 1-4)

From Financial Chaos to Crystal-Clear Control

The Inner Portfolio

  • Accessing Inner Wealth: Harness your inner wealth to build and maximise outer wealth Your wealth can't outgrow your worth. This phase focuses on upgrading your financial history and rewriting your money story to support wealth building.
  • Investor Identity Shift: Transform from consumer to investor mindset Shift from consumer to investor identity and develop the SF-15 identity to build self-funded freedom in 15 years or less.
  • Personal Economy Creation: Create your own economy that thrives in every economic cycle Build a personal economy that operates independently of macro economic conditions, with the right mindset and strategy for earning, keeping and multiplying money.
  • Freedom Redefinition: Redefine retirement as freedom on your terms and timeline Move beyond traditional retirement thinking to create freedom on your own terms and timeline. 

Financial Architecture

  •  Current Financial Assessment: Understanding your current financial situation and net wealth position Get complete clarity on where you stand financially right now, including all assets, liabilities, and cash flow.
  • Freedom Number Calculation: Calculate exactly what freedom costs Determine the specific amount you need to achieve financial independence and self-funded freedom.
  • CFO Dashboard Design: Create your personalised dashboard of metrics to track and measure Build a custom dashboard that tracks the key metrics that predict your wealth acceleration and freedom timeline (continued)...

 

  • Cash Flow Analysis: Understanding and maximising current cash flow allocations Analyse how much of your money is paying for the past (debt), being consumed in the present (spending), and funding your freedom (savings/investments).
  • Wealth Allocation Strategy: Design your personalised allocation that strategically prioritises investment, ensuring consistent progress toward self-funded freedom.
  • Automated Systems: Set up automated systems for savings and investments Build systems that work without your constant attention, ensuring consistent wealth building.
  • Expense Understanding: Understanding fixed vs variable expenses Learn to distinguish between expenses you can control and those you can't, optimising your financial flexibility.

Debt Free Fast Track

  • Debt Cycle Breaking: Breaking the cycle to build the future Stop the debt cycle that keeps you trapped and start building wealth instead of paying for the past.
  • Good Debt vs Bad Debt: Understanding productive vs unproductive debt Learn the difference between debt that builds wealth and debt that destroys it, so you can make smart decisions about which debts to keep and which to eliminate.

Week 4 Milestone: Complete financial clarity with automated systems capturing significantly more wealth-building capital

Phase 2: The Flexibility (Weeks 5-8)

Where Money Starts Working Harder Than You Do

Income Diversification and Maximisation

  • Income Source Analysis: Maximising the effectiveness of current income sources With a strong understanding of your financial architecture, you can now look to increase your income flows and build multiple income layers.
  • Three Income Layers: Building active, leveraged and passive income layers Create multiple income streams so you're never dependent on a single source, dramatically reducing risk while increasing total income potential.

Investment Landscape Understanding

  • Wealth Landscape: Understanding the wealth landscape and investment classes Learn about property, shares, cryptocurrency and other investment options to make informed decisions about where to put your money.
  • Asset Classes: Understanding different asset classes Master property, shares/equities, entrepreneurship, bonds, high interest savings, private equity, venture capital, crypto, commodities, and collectibles.
  • Personalised Wealth Plan: Building your personalised wealth plan with chosen asset classes Create a custom investment plan that aligns with your goals, timeline, and risk tolerance.
  • Strategic Reinvestment: Strategic reinvestment of returns Learn when and how to reinvest your investment returns for maximum growth.
  • Superannuation and SMSF: Understanding superannuation and self-managed super funds Maximise your superannuation benefits and understand when SMSF might be right for you.

Macro Level Considerations

  • Economic Factors: Understanding inflation, interest rates, economic cycles, GDP trends, market volatility Learn how broader economic factors affect your investments and how to position yourself to benefit from economic cycles.
  • Global Factors: Currency & globalisation, demographics & population shifts, government policy & regulation Understand how global trends and government policies impact your wealth building strategy. (continued)

 

  • Future Trends: Technological disruption, climate & sustainability, geopolitical factors Stay ahead of trends that will shape the investment landscape and position your portfolio accordingly.
  • Equity Maximisation: Understanding and maximising equity Learn how to build and leverage equity across different asset classes to accelerate wealth building.
  • Asset Performance Monitoring: Monitoring performance of assets Track and measure the performance of your investments to ensure they're meeting your wealth building goals.

Financial Team Assembly

  • Team Building: Assembling your financial team - accountant, lawyer, conveyancer, real estate agent, finance broker, insurance specialist, business mentor, mindset coach The team exists to support your strategy, not to take it out of your hands. Learn how to build and manage the right team of professionals.
  • Adaptability & Resilience: Market downturns, rate rises, career pivots Build resilience to handle market changes and life transitions without derailing your wealth building plan.
  • Liquidity Management: Balancing short term access and long term growth Learn how to maintain access to cash when needed while maximising long-term growth potential.
  • Building Optionality: How to pivot strategies without losing momentum Create flexibility in your approach so you can adapt to changing circumstances without starting over.
  • Inner Portfolio Anchoring: Confidence in volatility Develop the mental resilience to stay confident and make good decisions during market volatility.
  • Long-term Decision Making: Practising long-term decision-making versus instant gratification Build the discipline to make decisions that benefit your future self, not just your present self.
  • Identity Upgrade: From money manager to portfolio manager Shift your identity from someone who manages money to someone who manages a wealth-building portfolio.

Week 8 Milestone: Multiple income streams activated with clear investment strategy for optimal returns

Phase 3: The Freedom (Weeks 9-12)

Transition from Building Wealth to Living from Wealth

Living from Wealth

  • Asset to Income Conversion: Converting assets into reliable income streams (dividends, rental income, distributions, pensions) Learn how to convert your accumulated wealth into reliable income streams that fund your lifestyle.
  • Growth vs Income Balance: Balancing growth assets with income assets to fund life without eroding capital too quickly Find the right balance between assets that grow and assets that provide income to sustain your lifestyle long-term.
  • Withdrawal Rate Planning: Planning withdrawal rates Determine safe withdrawal rates that allow you to live from your wealth without running out of money.
  • Freedom Definition: Defining what freedom looks like (work optional, travel, family time, passion projects) Clarify what freedom means to you personally and design your life around those priorities.
  • Lifestyle Flexibility: Building flexibility: seasonal living, location independence, sabbaticals, early semi-retirement Create the flexibility to live life on your terms, whether that's seasonal work, location independence, or early retirement.
  • Freedom to Choose: Freedom to say no to clients, jobs, or commitments that no longer align Develop the financial security to make choices based on what matters to you, not just what pays the bills.

 

Risk Management and Protection

  • Buffer Strategies: Buffer strategies for unexpected events (cash reserves, flexible access to liquidity) Build buffers and reserves to handle unexpected events without derailing your financial plan.
  • Plan Stress Testing: Stress-testing your SF-15 plan against market downturns, inflation, and longevity risk Test your plan against worst-case scenarios to ensure it can handle market crashes, inflation, and living longer than expected.

Family Wealth and Legacy

  •  Family Wealth Conversations: Including transparency and teaching financial literacy to the next generation Have open conversations about wealth with your family and teach the next generation about financial literacy and responsibility. 

Continued....

  • Intergenerational Wealth Transfer: Ensuring smooth intergenerational transition of wealth Plan for how your wealth will be passed to the next generation in a way that preserves and grows it. 
  • Generational Wealth Structuring: Structuring generational wealth to minimise tax and maximise impact Use legal structures to minimise taxes and maximise the positive impact of your wealth on future generations.
  • Wealth Psychology: Releasing guilt, fear, or unworthiness about holding wealth Address the psychological barriers that prevent you from fully embracing and enjoying your wealth.
  • Identity as Wealth Creator: Living as a wealth creator who funds not just their life, but their legacy Shift your identity to someone who creates wealth that benefits not just you, but your family and community.
  • Financial Independence Psychology: Navigating the psychology of financial independence Address the question "Who am I when I no longer need to work?" and find purpose beyond financial security.
  • Enjoyment vs Security Balance: Balancing enjoyment today with security tomorrow Find the right balance between enjoying your wealth now and ensuring it lasts for the future.

 

Sustainable Wealth Management

  • Milestone Reviews: Reviewing milestones achieved and building rituals that honour freedom Create rituals like gratitude practices, annual portfolio reviews, and Freedom Day celebrations to honour your progress and maintain motivation.
  • Lifestyle Sustainability: Ensuring your portfolio funds your lifestyle sustainably Make sure your wealth can sustainably fund your desired lifestyle for the long term.
  • Estate Planning: Wills, trusts, succession, and inheritance planning Plan for the eventual transfer of your wealth through proper estate planning and legal structures.
  • Values-Based Giving: Align give and charitable structures with your values Create giving strategies that align with your values and create meaningful impact while optimising tax benefits.
  1. Week 12 Milestone: Complete SF-15 plan with clear path to freedom in 15 years or less

The Psychological Transformation

Beyond Money:

The Identity Shift That Changes Everything

SF-15™ isn't just about building wealth—it's about becoming someone who naturally creates and maintains wealth.

From → To Transformations:

  • Financially Reactive → Financially Proactive
  • Income Earner → Wealth Creator
  • Time Trader → Asset Owner
  • Retirement Hoper → Freedom Designer
  • Money Manager → Portfolio Commander
  • Success Achiever → Legacy Builder

Your Investment Breakdown

What You Receive in the SF-15™ System

Core Program Components

✓ 12-Week Transformation Journey ($3,997 value)

  • 36 implementation modules with video, audio, and workbooks
  • Step-by-step tutorials for every strategy
  • Real-world case studies and examples

✓ SF-15™ Wealth Acceleration Tools ($2,997 value)

  • Freedom Number Calculator
  • CFO Dashboard Template
  • Investment Analysis Spreadsheets
  • Debt Elimination Planner
  • Asset Allocation Optimizer
  • Tax Strategy Worksheets

✓ The Retirement Ready Fast-Track ($997 value)

  • Condensed 4-week intensive for immediate results
  • Quick-win strategies to find $1,000+ monthly
  • Emergency acceleration protocols

✓ Monthly Expert Masterclasses ($1,997 value/year)

  • Property investment specialists
  • Stock market strategists
  • Cryptocurrency experts
  • Tax optimisation professionals
  • Estate planning attorney

✓ Private Client Community – SF-15 Facebook Group ($1,497 value)

  • An exclusive, supportive network where you connect with like-minded wealth builders, share wins, and get direct access to SF-15 mentors for ongoing accountability and encouragement.

✓ 12 Months Access & Support ($5,000+ value)

  • 12 months of guided strategy & support 
  • New strategies as markets evolve
  • Implementation support to execute with confidence

 ✓ Monthly Office Hours with Jessica ($2,497 value/year)

  •  Live group coaching and Q&A each month with Jessica to refine strategies, overcome roadblocks, and stay aligned with your Freedom Number and 15-year plan. Calls hosted at various times to accomodate timezone differences

Exclusive Bonuses

 🎁 The 30-Minute Precision Planning Session ($497 value)

  • One-on-one strategy call with certified SF-15 advisor
  • Personalised wealth acceleration plan
  • Custom milestone mapping
  • Accountability framework setup

🎁 The Wealth Psychology Intensive ($797 value)

  • 5-day mindset transformation program
  • Breakthrough limiting money beliefs
  • Install millionaire thinking patterns
  • Create unshakeable financial confidence

🎁 The Side Business Blueprint ($1,297 value)

  • 10 proven business models for professionals
  • 30-day launch plans
  • Marketing templates and systems
  • First client acquisition strategies

 

Total Program Value: $21,572 Your Investment: $1,997 (or 2 payments of $1,100)

Independent Access: Perfect for those who prefer to study, plan, and execute privately — no group or community access included.

Self Study: One Payment of $997
Full Access: One Payments of $1,997
Full Access: Two Payments of $1,100

The Numbers That Matter

What SF-15™ Members Actually Achieve

Real Member Results from Testimonials:

  • $200,000 saved in 12 months (with baby and pandemic) - Hayley B
  • $35,000 saved in 6 months for house deposit - Rhiannon T
  • 10x monthly income increase - Rhiannon T
  • $30,000 weeks achieved consistently - Caitlyn M
  • $5,000 debt eliminated through mindset shift alone - Mia F
  • House purchased "never thought I would be able to afford" - Emma F.

Member Transformations:

  • From "FU** FU** FU** brain thinking" to paying bills 2 weeks early - Karen H
  • Complete 360° financial turnaround while having second baby - Emma F
  • From struggling to save $50K to reaching $200K in a year - Hayley B

The Three Pillars of Transformation

1. Distinction: Stand Apart from Average
  • Move from generic financial planning to precision wealth building
  • Create a portfolio with depth, not just diversification
  • Build expertise that compounds returns
  • Develop conviction that survives market volatility
2. Depth: Go Beyond Surface-Level Wealth
  • Understanding not just what to invest in, but why
  • Master the psychology behind financial decisions
  • Create systems that work without constant attention
  • Build wealth that sustains through generations
3. Devotion: Commit to Your Freedom
  • Daily practices that compound into millions
  • Weekly reviews that keep you on track
  • Monthly optimisations that accelerate progress
  • Quarterly pivots that maximise opportunities

Your Accelerated Timeline

Traditional Path vs SF-15™ Path

Traditional 40-Year Plan:

  • Years 1-10: Pay off student loans, establish career
  • Years 11-20: Buy house, raise family, minimal savings
  • Years 21-30: Peak earning, moderate investing
  • Years 31-40: Aggressive saving, hope for enough
  • Year 40+: Maybe retire, probably keep working

SF-15™ Accelerated Path:

  • Year 1: Foundation + Systems = Significant increase in wealth-building capital
  • Years 2-3: Multiple income streams + debt elimination
  • Years 4-7: Asset accumulation + compound growth
  • Years 8-11: Equity acceleration + passive income
  • Years 12-15: Freedom threshold + work optional
  • Year 15+: Live entirely from portfolio income

The Psychology of Rapid Wealth Building

Why SF-15™ Works When Everything Else Fails
  1. The Progress Principle
  • See results in weeks, not decades
  • Momentum builds motivation
  • Success compounds psychologically and financially
  1. The Control Factor
  • You direct every dollar with precision
  • No hoping the market performs
  • Active management, passive income
  1. The Clarity Advantage
  • Know exactly where you stand
  • See exactly where you're going
  • Understand exactly how to get there
  1. The Community Effect
  • Surrounded by others on the same journey
  • Accountability without judgment
  • Celebration of milestones together
Yes — I’m Ready to Build My Self-Funded Future

The Hidden Costs of Waiting

Every Month You Delay Costs You

The Compound Cost of Inaction:

  • Lost compound growth accumulates exponentially
  • Missed opportunities for debt reduction and savings
  • Delayed financial freedom pushes retirement further away

The Opportunity Cost:

  • Missing the best investment opportunities
  • Paying unnecessary interest on debt
  • Losing tax advantages available now
  • Watching inflation erode savings

The Life Cost:

  • Another month of financial stress
  • Another month of limited choices
  • Another month away from freedom
  • Another month not living fully

Your Next Move, Which Path? 

Path 1: Do Nothing

  • Keep following the 40-year plan
  • Hope things somehow improve
  • Accept average results
  • Cost: Your freedom

Path 2: Try to Figure It Out Alone

  • Spend years learning through trial and error
  • Make expensive mistakes
  • Maybe succeed, probably struggle
  • Cost: Time and money you can't recover

Path 3: Join SF-15™ Today

  • Follow a proven system
  • Compress decades into years
  • Get support every step
  • Cost: Less than most people spend on coffee in 6 months

Frequently Asked Questions

Start Your SF-15™ Journey Today

Three Simple Steps to Freedom

  1. Choose Your Package (Self-study, payment plan or full payment)
  2. Complete Your Foundation (Get clarity in Week 1)
  3. Accelerate Your Wealth (See results in 30 days)

Every day you wait is a day further from freedom.

Every day you act is a day closer to the life you deserve.

Start Your SF-15™ Journey Now

Kirsten Harris
BDB Group

"I am blown away by the level of love and care Jess has for her clients. Jess is always spot on, meets me where I’m at and keeps me moving toward my goals."

Rhiannon Thistlethwaite

"I have 10x my monthly income since working with Jess. My only wish is that I did it sooner! "

Caitlyn Muir
Iconic Coaching

"Since working with Jess, I’ve had consistent $30k weeks. Jess is the best in the business - deeply loving, strategic and powerful. She’s the real deal!"

Your Risk-Free Decision

14-Day Money-Back Guarantee

Join SF-15™ today. Dive into the Foundation modules. Use the tools. Calculate your Freedom Number. If within 14 days you don't see a clear path to accelerating your wealth, get a full refund. No questions asked.

Either you'll transform your financial future, or you'll pay nothing.

The only risk is remaining stuck in the 40-year trap.