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TruWealth Advice

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TruWealth Advice

2023 Finalist Financial Adviser of the Year (WIF). Financial advice for successful women. Empowering women towards financial independence.

Hi, I’m Natallia, I give single women the power to manage their finances.

27/08/2026

Maybe you grew up hearing:
“Money doesn’t grow on trees.” “Save it for a rainy day.” “Investing is too risky.” “People like us don’t have that kind of money.”

These messages can quietly become the rules we live by.

They influence how comfortable we feel spending, saving, investing, taking financial risks — even talking about money at all.

But here’s the important part:
What you were taught about money doesn’t have to determine your financial future.

Sometimes, building wealth starts before the numbers.
It starts with questioning the beliefs behind your financial decisions.

What money lesson did you grow up with — and does it still serve you today?

21/08/2026

More income. More wealth. More financial security. More choices.
Yet many women still feel uncomfortable saying, “I want to earn more” or “I want to build real wealth.”

For generations, women have often been encouraged to be careful with money — to budget, save and not spend too much.

But we should also be talking about growing it.
Investing. Building assets. Negotiating your worth. Planning for financial independence.
Creating a future where money gives you choices rather than limits them.

As a financial adviser, I want more women to feel confident talking about money, asking questions and taking an active role in building their wealth.
Because wanting financial success isn’t something to apologise for.

Women deserve to feel ambitious about money, too.

19/08/2026

If you’re a single woman approaching retirement, the idea of cutting back might not sound particularly appealing.

So don’t think of it as forever.
Instead, try a little experiment.

For the next 3 or 6 months, see what happens if you consciously live on a little less — and invest the difference.

Maybe it’s $100 a week. Maybe it’s $500 a month. Maybe it’s simply redirecting some of the money you normally spend without thinking.

The goal isn’t to deprive yourself or stop enjoying life.
It’s to discover: How much do I actually need to live well? And how much could I be putting towards my future?

For women heading towards retirement on one income, those extra contributions can matter. Just as importantly, the experiment can give you a clearer picture of what your retirement lifestyle might actually cost.

Try it for a few months.
You might decide you miss the extra spending and go back to normal.
Or you might discover that living on a little less today gives you something you value even more — more choice and financial freedom tomorrow.

General information only. Consider your personal circumstances and seek financial advice before making investment decisions.

14/08/2026

I wish more single women in their 50s heard this:

Your future self should be one of your biggest monthly bills.

Not just the mortgage. Not just the groceries. Not just everyone else.
You.

Because when you’re single and approaching retirement, there may be no second income, no partner’s super and no one else’s financial plan to fall back on.
That can sound scary.

I prefer to look at it differently:
You get to build a retirement that belongs entirely to you.

Every dollar you invest today is buying your future self more choice.
The choice to retire earlier. The choice to work less. The choice to travel. The choice to say “no”. The choice to stop worrying about every unexpected bill.

So instead of asking:
“Can I afford to invest this month?”
Try asking:
“Can my future self afford for me not to?”

You don’t need to be wealthy to start.
You need a plan, consistency and enough time for your money to do some of the heavy lifting.

If you’re a single woman in your 50s or 60s, what would financial freedom actually look like for you?

Save this for your next money check-in — and send it to a woman who needs the reminder.

General information only. Consider your personal circumstances before making financial decisions.

12/08/2026

If you’re a woman in your 50s and retirement suddenly feels much closer than it used to, you might be wondering:
“Have I left it too late?”

In many cases, there’s still a lot you can do.

The five or so years before retirement can be an important window to get intentional about your finances — particularly if you’re single and will be relying on your own resources.

It could be the time to look closely at:
• Your super — Are you making the most of the contribution opportunities available to you? • Your mortgage — What do you want your debt position to look like when you stop working? • Your retirement income — How much will you actually need each month to live the life you want? • Your investments and cash — Are they positioned appropriately as you move closer to drawing an income? • The Age Pension — Could you qualify now or later, and how might it fit into your overall plan? • Your timing — Would working an extra year make a meaningful difference, or could you potentially retire sooner than you think?

For single women, these questions can feel particularly important because there may not be a second income or another super balance to fall back on.

The goal isn’t necessarily to save every possible dollar or spend your final working years worrying about retirement.
It’s to use this time wisely.

Sometimes a few well-planned decisions in your 50s can change what your 60s and beyond look like.

You may have more options than you realise — but you need to know your numbers.

If retirement is somewhere on your five-year horizon, now is a good time to start the conversation.

General information only and not personal financial advice. Your circumstances and objectives should be considered before making financial decisions.

07/08/2026

As a financial adviser, I often hear women say, “I just want my kids to have a better life than I did.”
But here’s something to think about...

Leaving your children money is a gift. Teaching them how to earn it, manage it, invest it, and protect it is a legacy.

Especially for single mums, your greatest financial inheritance isn’t a bank balance—it’s the example you set every day.
- Showing them that women can build wealth.
- Having honest conversations about money.
- Teaching delayed gratification over instant rewards.
- Helping them understand the difference between assets and liabilities.
- Showing them that financial independence creates choices.

Money can disappear in a generation.
Financial confidence and good habits can last for many.

Whether you’re rebuilding after divorce, raising children on your own, or simply determined to create a different future, remember...
You’re not just building wealth. You’re building financially capable adults.

That’s a legacy no market crash can take away.

What’s one money lesson you wish someone had taught you as a child?

04/08/2026

I couldn’t disagree more.

After years of working with women navigating retirement, divorce, the loss of a partner, and caring for ageing parents, I’ve learnt that money isn’t the goal.

Choice is.

Financial security doesn’t guarantee a perfect life.
But it does give you the space to make thoughtful decisions instead of desperate ones.
It allows you to respond to life’s challenges with confidence rather than fear.

As both a financial adviser and someone with a background in psychology, I’ve seen how financial stress affects every part of our lives—our relationships, our health, our confidence, and our ability to enjoy the present.

That’s why building wealth isn’t about chasing more.
It’s about creating enough.
Enough to feel secure.
Enough to sleep well at night.
Enough to know that whatever life throws your way, you’ll have choices.

Because a woman with financial security is a woman with freedom.
And every woman deserves that.

31/07/2026

One day you’re focused on your own retirement plans.
The next, you’re helping Mum move into aged care, managing Dad’s finances, attending medical appointments, or trying to make impossible decisions during an emotional time.

For many women over 50, this becomes one of life’s biggest transitions.
And it’s about so much more than money.
It’s about balancing love with responsibility.
It’s about navigating guilt, grief, family dynamics, and difficult conversations—all while trying to protect your own financial future.

I’ve seen women pause their careers, dip into their retirement savings, or put their own goals on hold because they simply didn’t know what other options were available.

Looking after a parent is one of the greatest acts of love.
But it shouldn’t come at the expense of your own financial wellbeing.

That’s why planning matters.

Having open conversations early, understanding the costs of ageing, knowing what support is available, and having a financial strategy can make an incredibly difficult time just a little less overwhelming.

As both a financial adviser and someone with a background in psychology, I know these conversations are never just about numbers.

They’re about people.
They’re about relationships.
And they’re about helping women make thoughtful decisions with confidence and compassion.

If you’re caring for an ageing parent, remember this:
You matter too.
Protecting your own future isn’t selfish—it’s essential.

Sometimes the strongest thing you can do is ask for guidance before you’re forced to make decisions under pressure.

29/07/2026

Do you think negatively about money? Worry about whether you’ll have enough to fund your retirement, or pay off your mortgage, or many of the myriad of stresses that come with the financial independence of adulthood?

Our money mindset is conditioned from childhood and continues to be affected by a lifetime of financial experiences.

Here are some ideas to help you get started:
Be Grateful
Gratitude helps us focus on positives.
‘I am grateful for having a well-paid job.’
‘I’m grateful for being healthy.’
‘I’m grateful for having family and friends who support me’.

Look forward
Having something to look forward to makes us feel good – and encourages us to stick to our financial plans.
‘I am saving money so I can go on a holiday.’
‘I’m building up my super so I have enough money in retirement.’
‘I’m looking forward to engaging a financial adviser so they will help me get on track.’

Question Your Self-Talk
Positive affirmations – ‘I am great with money’ - are a useful tool but, to create a more positive money mindset, it is even more helpful to ask yourself a question first.
‘Will I be able to save enough for a comfortable lifestyle in retirement?’ Then answer – ‘Yes I will!’
‘Will I be able to change my money mindset and stop spending?’ ‘Yes I will.’

Positive thinking leads to positive emotions which, in turn, lead to productive actions that shape our future in the best way possible.

You got this!
And I’m here to help you.

27/07/2026

One of the things I’ve come to realise is that my clients don’t only come to me because they need someone to explain investments or superannuation.
They come to me because they’re facing a major life transition.

Retirement. Divorce. The loss of a partner. Receiving an inheritance. Selling a business. Asking, „What’s next?“

These moments aren’t just financial.
They’re deeply personal.
And while financial strategy is essential, it’s often not the hardest part.

The hardest part is navigating the uncertainty, overcoming self-doubt, managing emotions, and finding the confidence to make life-changing decisions.

That’s where my background in psychology has shaped the way I work.
It allows me to understand not just the numbers, but the person sitting in front of me.
To recognise the beliefs and behaviours that influence financial decisions.
To help women move past fear, gain clarity, and make choices that align with the life they truly want.

Financial advice gives you the strategy.
Behavioural insight helps you put that strategy into action.

When you combine the two, something powerful happens.
You stop feeling overwhelmed by money and start feeling empowered by your choices.

That’s why I don’t see myself as someone who simply creates financial plans.
I see myself as someone who helps women over 50 navigate life’s biggest transitions with a blend of financial strategy, behavioural psychology, and compassionate guidance.

Because real financial wellbeing isn’t just about growing wealth.
It’s about having the confidence to live the life you’ve worked so hard to build.

Address

Level 13, 200 Queen Street
Melbourne, VIC
3000

Opening Hours

Monday	9:30am - 4:30pm
Tuesday	9:30am - 4:30pm
Wednesday	9:30am - 4:30pm
Thursday	9:30am - 4:30pm
Friday	9:30am - 4:30pm

Telephone

+61386486534

Website

http://www.truwealthadvice.com.au/

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