About Jen
Jennifer Richardson is the founder and sole director of financial services’ company 123 Financial Group.
She is an exceptional accountant, financial adviser and mortgage broker, with over 30 years' experience in the financial services industry.
Jennifer is also a dynamic, down-to-earth person who is widely respected for her common sense and real-life approach to money, which clients often describe as a breath of fresh air.
Through her latest venture, Got Money Honey, Jen now hopes to share her extensive experience and down-to-earth wisdom with the women of Australia.
She is passionate about ensuring women have the tools and know-how to build financial security and freedom for the future: freedom from worry, freedom of choice, freedom to live their best lives.
But really Jen, who are you?
Ok, thanks for the bio copywriter (very professional!), but I’ll take it from here.
Hi ladies! I’m Jen (no-one except my mother calls me Jennifer these days) and I am the founder of this exciting new initiative you’ve stumbled upon called Got Money Honey.
A big, warm welcome!
I am a successful business owner, a wife and a mum to three young-adult men and two crazy dogs – Frankie, the Border Collie and Reggie, the Chesapeake Bay Retriever (you may have to look that one up!).
I’d describe myself as a straight-talking, down-to-earth, dog-loving, finance-nerd.
And a cheerful, extroverted workaholic.
I only drink water with ice in it (weird, I know) and read hefty finance books for pleasure (again, weird).
In my spare time, I also enjoy sewing, cooking and sipping strong coffee while watching Saturday-morning sport – a compulsory past-time with three active sons.
But helping others is my absolute passion. And it will come as no surprise that women's financial literacy is at the top of my list.
Did you know that women retire with 42% less super than men?
Or that women are more likely to suffer from poverty, homelessness and financial stress than men in retirement?
How about that Australia's national gender pay gap (the difference in the average earnings of men and women) is still 14.2%? It's a real thing and something that affects women every day.
This persistent gender pay gap and poor retirement outcomes for women have motivated me more than anything else to be part of the solution.
As has my many years of experience working with women from all backgrounds and from all walks of life.
Throughout my career, I have seen first-hand the struggle that many women have when it comes to managing their finances.
My own mum is a perfect example. When she and Dad used to visit their financial planner (some years ago now), Mum would often tell me how out of her depth and silly she felt that she didn't understand what the adviser was talking about. After these meetings, she would usually ask me to explain the concepts in everyday terms she understood.
Of course, how could she be expected to understand some of these concepts when she had never been taught them? And Dad had always managed the family's finances, as was common in those days.
I have seen this lack of confidence and understanding time and time again, with my female clients, girlfriends and other family members.
Some worry about the future; about their security and retirement prospects. Others are exhausted by the constant struggle with their cash flow and the dread of unexpected bills. Some just feel totally out-of-the loop when it comes to money matters and embarrassed that they don’t know more.
But what most of these women share is a desire (however quiet) for change.
They WANT to be more confident with their money.
They WANT to feel empowered and independent.
They WANT to take control and feel secure.
They WANT to live their lives to the fullest.
The problem is, so often they simply don’t know where to start or where to get advice.
They have a genuine desire to be better with their money but lack the knowledge, skills and confidence (and often the time) to make the changes required.
I knew I needed to find a way for women to educate themselves that was at their own pace and at times that suited them.
And so Got Money Honey was born. A collection of online, self-paced money courses in plain English, with no-judgement and the support of myself and a gorgeous community of other like-minded women.
The courses are designed to be engaging, practical and easy-to-digest (some have even said fun!) – and I've added in some powerful tools and templates to make it even easier for women to get organised...and stay that way!
I am so incredibly passionate about and committed to this initiative (my fourth baby I like to call it!), because I see everyday the real difference it is making in women's lives.
But more than just helping women take control of their personal finances, I also wanted to support women in business. Having run a small business for nearly 20 years, I know what it takes to survive and thrive in the world of female entrepreneurship – and nothing gives me more satisfaction than seeing other women succeed in their business endeavours.
Through Got Money Honey, I am now able to teach women business owners how to make their business work harder for them. By helping them to better understand their numbers – and the story that those numbers are trying to tell – these women can streamline their processes, maximise their profits and really start to thrive.
It is the ongoing coaching of women that really shows them what potential they have – both with their business and in their personal lives.
And it is this that makes doing what I do so fulfilling; knowing that what I have taught someone has really had an impact on their life.
Nothing is more rewarding than seeing women achieve life's three freedoms: Financial Freedom, Time Freedom and Mind Freedom.
When women succeed, the world succeeds.
Jen x
Want to get in touch with Jen? Email: hello@gotmoneyhoney.com.au
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The information on this website is general in nature and should not be taken as financial advice.