- Financial Wellness with Julian & Michael
Money stress doesn't stay at the door.
What we cover
A holistic conversation about money, life, and mental wellbeing
- Superannuation, retirement gaps, and why starting matters
- How debt and loans actually work — in plain language
- Savings strategies and building financial resilience
- Why people stay stuck — and how to get unstuck
- Investment fundamentals and building long-term wealth
- Financial stress, relationships, and breaking the silence
Free
Always
60–90
Minutes
Anywhere
AU-wide
#1
Cause of relationship breakdown in Australia
67%
Say financial stress affects their work
1 in 3
Australians say money is their primary stress
4 in 10
Believe quality of life will decline this year
Financial stress is a mental health issue and most workplaces are not equipped to address it.
When people don’t understand their finances, feel behind on their goals, or are avoiding difficult money conversations at home, it doesn’t switch off at 9am. It shows up in distraction, anxiety, disengagement, and relationships that quietly fracture under pressure.
The good news: financial stress is largely a knowledge and confidence problem. When people finally have an honest, practical conversation about money free of jargon, free of judgment, free of anything being sold things start to shift.
That’s what this session is.
The cost of financial stress
It shows up at work whether you see it or not.
Most organisations invest in physical and psychological wellbeing programs. Very few address financial wellbeing despite it being one of the most significant and consistent drivers of stress for working Australians across every industry and income level.
Financial stress doesn’t discriminate by salary. A person earning $120K can be just as financially anxious as someone on $60K because the problem is rarely income. It’s understanding, planning, and confidence. And most people were never taught any of it.
22.5%
Financial wellness thriving — an all-time low
Per Gartner’s 2025 survey. Mental wellness sits at 25.3% — also an all-time low. Both have declined every year since 2022.
56.7%
Stressed about retirement funding
And most have no plan. The HILDA Survey (20+ years of data) shows stable savings habits are one of the strongest predictors of positive mental health, regardless of income.
34%
Find it difficult or very difficult to get by
On their current income. Financial stress rarely comes from insufficient income — it almost always comes from a knowledge and confidence gap.
28%
Of Australians under 35 are working extra jobs
To cover rising costs. Young workers carry the sharpest acute financial stress of any age group — and are most likely to be in your team.
Ready to book? It takes 15 minutes.
Who delivers this
Two brothers who lived it and have spent 15 years helping others through it.
Julian and Michael Nicolitsis grew up in the same household, watching the same financial pressures shape their family. Neither of them was handed a map. They built their own through 15 years of investing and working with clients.
Julian holds an MBA majoring in Finance, is a Licensed agent, and holds a Certificate in Broking. He has personally advised over 500 clients from 18-year-olds starting out to people managing portfolios worth over $100 million.
- MBA in Finance · Licensed agent · Certificate in Broking
- 30 years combined investing experience between them
- 500+ clients, ranging from 18 years old to $100+ million portfolios
- Regular guests on nationally-recognised finance podcasts
"I grew up watching money put enormous pressure on my family. I lived that in my own adult relationships too. Nobody ever sat us down and explained how any of it worked. I've worked with over a thousand families on their financial journey but what drives me isn't the numbers. It's the conversation I wish someone had offered us."
The program
A structured journey, not a general chat.
Chapter 1 — Opening & Reflection
01
Who we are — and why we’re here
Julian and Michael share their story — growing up without a financial roadmap, watching it cost people they love, and what 30 years of combined investing experience taught them. Sets the tone: honest, human, and agenda-free.
02
What money stress actually costs us
The real impact of financial anxiety on relationships, mental health, workplace performance, and daily quality of life. The HILDA Survey — Australia’s longest-running household study — shows financial stress and mental wellbeing are deeply and causally linked.
03
What does financial wellness mean to you?
A guided reflection exercise. Attendees write down what financial wellness looks like for them in 5, 15, and 30 years. This single exercise changes the room — it makes the session personal, not theoretical.
Chapter 2 — The Gaps Most Australians Carry
04
The education gap nobody talks about
Financial literacy was never taught in Australian schools. Most adults are managing money with knowledge picked up by accident. This section names the gap without blame — and starts filling it.
05
Your savings rate and your annual money audit
What percentage of your income are you actually saving? When did you last review your bills? Practical benchmarks that prompt genuine self-reflection — and show that small changes compound dramatically over time.
06
Money traps — credit cards, BNPL, and the slow leaks
AfterPay, Zip, subscriptions, gambling, credit card interest. The everyday drains that quietly compound against you. Honest, non-judgmental — and full of practical steps to stop the bleed.
Chapter 3 — Building the Foundation
07
Superannuation and the retirement gap hiding in plain sight
56.7% of Australians are stressed about retirement funding — and most have no plan. What you actually need to retire comfortably, what extra contributions do, and what steps you can take this week.
08
Mortgages, loan timelines, and the retirement debt trap
The average Australian mortgage and how long it actually takes to pay off. How many Australians will still carry a mortgage into retirement — and what offset accounts and loan structures really mean in practice.
09
Rentvesting — the alternative most people never consider
What rentvesting means, when it makes financial sense, and why it’s a legitimate strategy that most Australians have never had properly explained to them.
Chapter 4 — Investing & Growing Wealth
10
Types of investing — a clear-eyed overview
Shares, managed funds, cryptocurrency, property, business. What each involves and how they compare. Not a recommendation — an education, so attendees can make informed choices rather than guesses.
11
Assets vs dollars — why cash loses value every year
A $100K asset purchased years ago is worth multiples today. The same $100K in savings is worth less in real terms. The impact of inflation — and why most people have never fully understood what it means for their financial future.
12
The power of leverage — what it actually takes to start
The most common misconception is that building wealth requires a lot of capital to begin. We unpack how leverage works and what a realistic entry point looks like for an everyday Australian.
Chapter 5 — Protection, Action & Next Steps
13
Life insurance — the gap most families don’t see coming
Most Australians are underinsured or relying on inadequate cover through superannuation. What happens to the mortgage, the children, and the surviving spouse. One of the most important — and most avoided — conversations in personal finance.
14
Your personal action plan — what to do from here
A structured close: where are you now, where do you want to be, and what steps will get you there? Every attendee leaves with a Financial Wellness Summary PDF — key stats, an actionable checklist, and curated resources.
15
Open Q&A — every question answered honestly
No agenda. No deflection. Julian and Michael answer every question as they would with their own family — directly and practically. Consistently the most valued part of the session.
For HR and People & Culture
A genuine wellbeing initiative. Not a checkbox.
Financial wellbeing is one of the most underserved areas of employee benefit programs despite being one of the most impactful. The teams that consistently tell us this session changed how they think aren’t just the ones who learned something new. They’re the ones who finally felt like someone was talking to them honestly, without an agenda.
Addresses the hidden driver of disengagement
Financial stress affects focus, decision-making, and the quiet resilience people need to do their best work. This session addresses it directly with practical, evidence-based content.
High-value, zero cost
Every session includes interactive goal-setting, a live Q&A, and a digital wellness pack for every attendee. No budget, no procurement. Just something your team will talk about.
No products. No pitch.
We have no financial products to sell. The session's entire value rests on its credibility — which is only maintained if attendees leave feeling informed and respected, not sold to.
Works for any team, any industry
Delivered to healthcare workers, tech teams, financial services staff, tradespeople, and senior executives. Financial stress doesn't discriminate.
We also present to high schools
A tailored version for students and parents — because financial literacy at that age changes the trajectory of a young person's entire relationship with money.
Every attendee leaves with a PDF
A Financial Wellness Summary — key stats, an actionable checklist, curated resources, and the personal goal set during the session. Practical, immediate, useful.
Sarah K.
Head of People & Culture, Professional Services
David M.
Operations Director, Healthcare
How it works
Simple to organise. Genuinely impactful.
1
A quick 15-minute call
Julian or Michael will speak with you directly to understand your team, their size, demographics, and which topics will resonate most.
2
We tailor the session
The core 60–90 minute structure is weighted toward the topics most relevant to your team. Optional pre-session survey available.
3
We present live
In-person at your workplace across Melbourne, Sydney, Brisbane, and beyond — or virtually for remote and interstate teams. Full Q&A. Every question answered honestly.
4
Your team leaves with something real
Every attendee receives a Financial Wellness Summary PDF — key stats, an actionable checklist, and curated resources. Free individual 15-minute consultations available for anyone wanting to go deeper.
Session formats
Flexible around your team.
Melbourne-based, but we travel regularly and will work with any format that suits your organisation.
In-person at your office
We come to you. Works for groups from 10 to 200+. We handle all materials — you provide the room. Melbourne, Sydney, and Brisbane preferred. All of Australia considered.
Preferred
Virtual session
Delivered via Zoom or your platform of choice. Identical content and energy. Ideal for remote or hybrid teams, or organisations spread across multiple cities.
AU-wide
Lunch and learn or breakfast
Consistently the highest-engagement format. People arrive relaxed, stay curious, and the conversations that begin over a meal often continue for weeks. We adapt to your culture.
Highest engagement
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one honest conversation.
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Pick a time in our calendar — 15 minutes to get started
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Common questions
Answered before you ask.
Is this genuinely free? What's the catch?
Genuinely free. No financial products are sold. No services are pitched. We run these sessions because financial education is something we care about personally and deeply — and because building genuine relationships with organisations and their people creates goodwill that matters to us. There is no catch, and the session's integrity is the entire point.
How long is the session and what format does it take?
Standard sessions run 60–90 minutes including Q&A. For organisations wanting to go deeper — with interactive components, breakout discussions, or a half-day financial wellbeing workshop format — we can extend to up to 3 hours with advance planning. For large groups, 90 minutes tends to be the sweet spot. We'll recommend a format based on your team size and setup.
Is financial advice given during the session?
No — and we're transparent about this. The session is financial education, not personal financial advice. We explain frameworks, share real data, and answer general questions generously and honestly. Anyone who wants to explore their specific situation further is welcome to book a free individual 15-minute consultation after the session — but there's no follow-up unless they request it.
Who presents the session?
Sessions are presented by Julian Nicolitsis and/or Michael Nicolitsis — brothers and co-founding directors who grew up sharing the same experiences with financial stress and its impact on family life. Between them they bring 30 years of experience in finance and wealth strategy, 500+ clients personally advised, and the shared conviction that comes from having lived this. You will always know who is presenting in advance.
Where do you deliver sessions? Are you Melbourne only?
We're based in Melbourne and travel regularly to Sydney and Brisbane. We will consider any Australian city for in-person sessions — just ask and we'll make it work. For remote or interstate teams, we deliver the same session virtually via Zoom or your preferred platform. Quality and content are identical regardless of format.
How do you tailor it to our team?
During the booking call, we'll ask about your team's demographics, age range, the financial topics most on their minds, and anything specific to address or avoid. The core session structure stays consistent, but the emphasis, examples, and Q&A focus shift to match your audience. You can also send an optional pre-session survey to staff so we can address their actual questions on the day.
Can you present to our school or educational partners?
Yes. We're passionate about financial literacy at a young age and deliver a tailored version of this session to high school students and their parents. The earlier these conversations happen, the more profoundly they shape a person's financial trajectory. If your organisation has school connections, or if you know of a school that would benefit, please mention it when you get in touch.
DISCLAIMER: Prop Moves Pty Ltd (PM) is not a licensed financial advisor and does not provide financial or investment advice under the Corporations Act 2001 (Cth). Any information provided by PM is general in nature and does not consider your specific financial situation, objectives, or needs. We recommend seeking independent financial advice before making any investment decisions.
Financial Wellness
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- 0407533680
- michael@propmoves.com.au
- Melbourne, VIC
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