Client Snapshot:

• Client: Italian Professional with an MBA based in Brussels, in their 30s

• Starting point: financially stable, but money felt emotionally loaded; investing felt “for a certain type of people,” and she experienced paralysis on execution

• Goal: move from over-analysis to action; build a repeatable Wealth OS with clear goals and lower mental load

  
  

The Challenge:

Despite earning well and having an MBA-level familiarity with finance concepts, she felt stuck:

• Shame + overwhelm around investing: noticed peers investing while she avoided it (“I was the only one not investing”)

• No clear system: money wasn’t anchored to goals, so decisions felt emotional and unclear

• Execution paralysis: even once she understood the “why,” platforms still triggered freezing and avoidance

• High cognitive load: money admin felt heavier than it needed to be

• Identity gap: she wanted to become the kind of person who manages money calmly, not just “do the tasks once”

  
  

Our Solution:

Over the Wealth Clarity Accelerator, we combined financial life planning, behaviour-first coaching, and practical systems, so the psychology and the execution could “catch up” together.

Phase 1: Money Meaning + Goal Clarity

• Reframed money away from identity and fear → into purpose and choice

• Built a goal framework so every euro had a job and a timeline

• Outcome: from “money is scary/obscure” → “money serves my goals”

Phase 2: Wealth OS + Automation

• Built a purpose-based account structure (“each account serves a different purpose”)

• Set automated transfers so progress happens without motivation

Phase 3: Investing Implementation

• Created a simple ETF investing approach she could understand without overwhelm

• Set automated investing, so it didn’t depend on “being brave” every month

• Addressed platform anxiety through guided execution and a practical guide (Saxo)

Financial Transformation:

• Cash safety & resilience

  • Emergency fund: 0 → 9 months of expenses

  Savings + investing behaviour

  • Savings rate: 0% → 37% of monthly take-home

  • Investing rate: 0% → 17%, fully automated

  • Recurring investing set: €500/month automated investing (instead of ad-hoc/emotional decisions)

  • Projecting ≈€600k in investing returns over a 30-year period, at a 7% annual historic average*

  • Automation ratio: 0% → 37% of income auto-routed (goals + investing)

  Goal clarity

  • No written goals → a 6-goal financial roadmap, each with target amounts and dates

  • Goal progress included funding long-term house downpayment.

  Confidence + emotional outcomes

  • Clarity about financial future: 1/10 → 8/10

  • Money confidence: 1/10 → 7/10

  • Money anxiety: 9 → 2

  Time back + consistency

  • Reduced “money admin” from ~1–2 days/month → a 30-minute quarterly review

  • Completed and maintained a spending review for 4 consecutive months

  • Installed a durable habit: Saturday became her “money day”

  
  

Life Impact Beyond Numbers:

What changed wasn’t only the plan, but her relationship with money:

• From avoidance to routine: “Every Saturday has become my money day… I look forward to it now.”.

• From shame to safety: she described the coaching space as one where she could ask anything safely.

• From restriction to expansion: clarity on goals helped her drop irrelevant goals and make space for what mattered.

• Self-care reframed: she stopped feeling guilty spending on health because it supported her energy, work, and life.

Important Disclosure:

• Educational only: This case study is for informational purposes and does not constitute investment, tax, legal, or financial advice.

• *No guarantees*: Results are individual and outcomes vary. Any projections are illustrative only and not guaranteed. Past performance is not a reliable indicator of future results.

• Rules change: Tax treatment, allowances, account rules, interest rates, and platform features can change and depend on residency and personal circumstances.

• Independence: No compensation was received from any provider mentioned. Mentions are not endorsements.

• Do your diligence: Read relevant product disclosures (KID/KIID/Prospectus/fees) and consider independent regulated advice where appropriate.

Here's what they had to say:

“I’m no longer scared of money… and now every time I think about money, I think in terms of goals - what is my money serving?”

“This is the highest form of self-care you can take as a woman… it gives you freedom, optionality, and clarity.”

“I started the program terrified of spending and feeling powerless… I ended it with more clarity, a healthier relationship with money, and more confidence in keeping and growing my money at the same time.”