MFAA State Finalist 2026
Excellence in Customer Service
FOR SELF-EMPLOYED WOMEN
Different women.
Different wealth.
Because there are five ways women build wealth and most have only ever been shown one.
The quiz tells you which of the five is yours. And once we know that, we can design the plan that fits.
Once you know yours, the rest stops feeling like a fight.
Which one are you?
Know your Wealth Creator Archetype
and we can design the plan that matches it.
There's a gap between wanting a property and owning one. That gap has a name. It's the plan. And the plan is the part I'm about to help you with built around you, not a textbook.
THIS IS FOR YOU IF
You're capable. You're
earning. And you know you should be building.
01
You make good money — but you don't always know where it goes.
02
You feel like you should have done this years ago.
03
Every time you look into investing, you end up more confused.
04
You've been circling property for a while — but you're still not moving.
05
You want to feel on track for retirement — not quietly afraid of it.
THE JOURNEY
Six stages. One roadmap.
Designed around you.
Because property is a business decision. And like every business decision, it only works when it's designed around the woman making it.
01
Lift the Roof Audit
The Money Organiser's first look at your whole financial house. Every room, every movement, every person at your table. We answer: who do you need, what's working, could it be better.
Our Mechanism
The Money Map
02
Know Yourself
Discover how you're wired to build wealth. Your Wealth Creator Archetype shapes how we work together, the communication, the pace, the decisions, the whole experience.
The Personality Layer
How you're wired to build wealth
03
Give Money Direction
Every dollar gets a job. Structure replaces stress. Your surplus becomes real, investment ready, reliable. And if you have a home loan, we put it on a path to fast-track the end of itself.
Our Mechanism
Money in Motion
04
Design the Brief
What is this property actually for? We build a clear brief horizon, purpose, strategy match. A north star that every decision from here will be judged against.
The Bridge
Goals into Strategy
05
Buy the Property
The finance hat comes on. The team mobilises. Structured lending for the self-employed reality, the right team assembled around you, search and due diligence, settlement.
Our Mechanism
Property Pathway
06
Build What's Yours
One property is a transaction. A portfolio is a business. Quarterly check-ins, annual reviews, milestone moments, property number two, and beyond. This is where the long game is won.
The Long Game
Co-created partnership
THIS IS FOR YOU IF
What you can count on.
What I do.
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Lift the roof and show you the whole house
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Start with what you're actually building — and why
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Meet you where you are, in your Archetype
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Structure your finance properly for the self-employed reality
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If you have a home loan, put it on a path to the end of itself
​
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Stay in it with you — for as long as you want me to
What I won't do.
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Push you into something that doesn't fit you
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Sell you a property because I make a commission
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Use jargon to make you feel small
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Rush you past the work that needs to be done
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Treat you like a transaction
ABOUT NIKKI
I'm the woman who built her first money system at fourteen.
A yellow envelope on my bed and an exercise book from school. Not because anyone taught me, because my brain needed the world to work that way in order to feel safe.
Thirty years later, that same instinct has built a mortgage broking practice, raised four financially capable adults, and carried me through nearly every seat at the financial services table: planner, paraplanner, coach, accountant's assistant, broker.
I lift the roof of your house and look at all the money movement. Who do you need? What's working? Could it be better?
I'm autistic, ADHD, and dyslexic. I finished school in Year 9. I also hold a Graduate Diploma in Financial Planning with High Distinctions, a Golden Key Honour, and the 2026 MFAA Excellence Award for Customer Service.
I don't work the way most brokers do. I work the way I wish someone had worked with me.
- Nikki
Because wealth is built together.
CO CREATE FINANCE · NIKKI HARRIS · MELBOURNE, AUSTRALIA
0482 041 754 · nikki@cocreatefinance.au