Services
How we work
You earn well. You save badly. The gap is structural, not moral.
Nexa is a money education and coaching practice for high earners. Not a product seller. Not a sales desk.
// The Numbers-First Method™
The Numbers-First Method™ is how we think about money. Pull the four numbers that actually move a high earner's position, rank them by leverage, start at the top.
Not a budget. Not a vibe. Four numbers, written down, ranked.
- 01
Income surplus rate.
What lands after tax, minus what leaves. The slice of your pay you actually keep and can direct. For most people earning well and saving badly, it's the number nobody's written down.
- 02
Effective tax rate.
Not your marginal bracket. What you genuinely pay across the whole income, once everything's counted. The quiet part the payslip hides.
- 03
Deployable assets.
What could go to work today without selling the roof over your head. Idle cash, equity doing nothing, the offset you forgot.
- 04
Household burn.
What it really costs to run your life: fixed, variable, the stuff that crept in. Where the surplus quietly disappears.
Why they're ranked, not listed
A list treats every number as equal. They aren't. Ranking by leverage means finding the one number that, moved a notch, changes your position most for the least effort. Usually surplus or tax before burn. The order isn't a guess. The numbers decide it.
Same four numbers for everyone. A different order for you.
// What's not included
To be exact about what this is and isn't:
No financial products.
No funds, shares, super products or insurance sold or recommended.
No commissions or kickbacks.
No asset-based fees. No referral fees coming our way. Nothing on the side.
No personal financial advice.
No telling you which product or fund to buy. That needs a licence, and we don't hold one.
No vague advice.
Most wealth advice in Australia is product sales in a costume. Here, everything ties back to a number.
When you need licensed personal advice (a product recommendation, a Statement of Advice, anything that weighs up your personal situation), we'll refer you to a named, licensed adviser and put the relationship in writing.
