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My Money Circle is an employee financial wellbeing program built for Australian employers — delivering personal, one-on-one financial coaching for employees, supported by a platform, live sessions, and integrations that keep financial wellbeing active all year round.
Some EAP and wellbeing providers offer money coaching as an add-on without the appropriate financial services licence. That's a risk your organisation carries if an employee receives what amounts to unlicensed financial advice. MMC holds a financial services licence and operates within a fully compliant framework — so you can offer this benefit with confidence.
Whether you're rolling out to a whole workforce or targeting a specific cohort, MMC adapts. From SME to large enterprise, whole-of-workforce to parental leave program, onboarding to offboarding — it's a benefit that integrates across the employee lifecycle in a way no other provider matches.
Most financial benefits target a single life stage — first home buyers, those approaching retirement, high earners. MMC is genuinely for everyone on your team, regardless of salary, age, or where they are in life. Financial stress doesn't discriminate, and neither does our coaching.
Our proprietary coaching platform is purpose-built for this. Employees get coaching continuity and a dedicated coach. HR and managers get de-identified reporting. Everyone gets engagement through live sessions, content, and integrations. No other provider has built this end-to-end for the employer wellbeing context.
Not a hotline. Not a generic webinar. Each employee is matched with a qualified coach — someone who understands their situation and stays with them as it changes.
Every employee is matched to a coach based on their goals, life stage, and what they're working through — not randomly assigned. Someone who genuinely knows their situation.
Employees begin with two dedicated one-on-one sessions — enough to get clear on where they are, build a plan, and know what to do next. From there, their coach guides what happens next based on what they need.
Some employees get what they need from those first sessions. Others continue with their coach — through follow-up sessions or a personalised coaching plan. It follows the individual, not a fixed schedule.
What's discussed in coaching stays between the employee and their coach. Always. Employers receive aggregate insights only — never individual content.
Coaching isn't financial advice — it's a conversation. Employees come with what's on their mind, whether that's a goal they're working towards, a decision they're weighing up, or a situation they're not sure how to navigate. Topics vary as widely as the people we work with.

The most valued benefits aren't just available — they're visible when life actually gets complicated. MMC is designed to be promoted actively across the moments where financial stress is most likely to surface.




Personal coaching is the core of MMC — but we've built an engagement layer around it that keeps financial wellbeing visible and active across your organisation, month after month.
Every month, our coaching team runs a live 45-minute virtual session on a topic your people actually care about — then makes it available to watch on-demand via the platform anytime.
MMC connects directly into the tools your people already use every day — so financial wellbeing shows up where they are, not in an app they have to remember to open.
We've built MMC to be a genuinely low-lift workplace financial wellbeing program — so the benefit actually gets used, without creating new overhead for your team.
We kick off with a workshop, webinar, or embedded event — whichever suits your culture and team setup. We handle the content. You get the credit.
Once they're enrolled, employees manage their own coaching relationship directly. No HR coordination required. No scheduling on your side.
De-identified insights and regular reporting give you a clear picture of engagement and program value — without any individual data ever being surfaced.
Every MMC package includes the full engagement layer — the live wellbeing session program, Teams and Slack integration, reporting, and user accounts for your entire workforce up to 500 people. What varies between packages is the number of included 1:1 coaching hours, starting from just 30 hours so you can begin with confidence and grow as engagement builds.
That makes MMC a genuine solution whether you're a 20-person business or a large enterprise employer — the platform, the content, and the engagement infrastructure is the same from day one.
Finally, a financial wellbeing benefit that is personal, holistic, and reaches further than the benefits shelf for maximum impact.
Book a 30-minute conversation and we'll show you exactly how MMC would work for your organisation — straightforward answers to whatever you need to know.