How My Money Circle Built a Business from Expertise

No two people have the same financial situation. Differences in salary, lifestyle, debt, and responsibilities mean that even if two people earn the same paycheck, their money is experienced very differently. Yet many people are left to apply general financial information on their own - without support that reflects their real-life circumstances.

That’s where personalised support can make a real difference.

In this client feature, we speak with Rebecca Maher, founder of My Money Circle, about turning industry experience into a scalable service - and why strong legal foundations mattered early.

Rebecca has spent over a decade in the financial industry. Along the way, she says she saw a clear gap between people with access to financial knowledge and those without - and a second gap too: even when information is available, applying it to your own life isn’t always straightforward.

This challenge is common: people can be motivated and capable, but still feel unsure about what steps to take next. Financial decisions can be personal, emotional, and often tied to competing priorities. Without tailored support, it’s easy to get stuck between learning and doing.

A clearer path from information to action

My Money Circle is positioned to help people translate financial information into practical, confident next steps, with support along the way. In Rebecca’s words:

“My Money Circle provides 1:1 financial coaching that helps people turn financial information into confident action… Individuals use us when they want personalised guidance to understand their financial situation and decide what to do next, with support along the way… Employers work with us to support employee financial wellbeing by giving staff access to practical, one-to-one coaching without stepping into advice… Across all of our work, our role is the same: helping people apply what they know to their own lives in a safe, practical and scalable way.”

At its heart, the model focuses on making support feel practical, relevant, and workable in the context of someone’s real life - not just in theory.

When experience becomes a business idea

Not all businesses start with a sudden “lightbulb moment”. In fact, many begin more gradually: spotting the same challenge repeatedly across roles, clients and environments - and realising it needs a different kind of solution.

Rebecca’s background includes client-facing advice roles, product management, education and coaching, and business ownership. That breadth matters: it means understanding both the human side of money decisions and the systems behind delivering financial support at scale. Her path is also a reminder that there isn’t one standard route into business - sometimes the strongest foundation is deep experience paired with a clear view of what’s missing.

Turning a service into something that can scale

Turning an idea into a business is rarely just about having a great idea. It’s also about building an operating model that can withstand growth: clear processes, strong documentation, consistent delivery, and well-defined boundaries around what you do and don’t provide.

For many founders, this is where the work becomes real: designing how your service is delivered day-to-day, how you communicate your offering clearly, and how you support customers consistently as demand grows. That structure can be the difference between a business that works on paper and a business that’s built to last.

Rebecca describes the challenge of designing a hybrid model like this:

“One of the biggest early challenges was designing a business that combines human-led services with digital delivery… This means many elements need to work together, including data security and privacy, compliance, managing a contractor-based coaching workforce, billing and payments infrastructure, and operating within financial services regulation… Getting these foundations right early was critical…”

Why legal groundwork matters early

For many founders, legal support becomes urgent only when something goes wrong - an unexpected dispute, a major contract, a partnership opportunity, or an investor conversation that moves faster than expected. But it’s often most effective when it’s proactive: putting the fundamentals in place so you can move quickly later, without having to rebuild under pressure.

As a business grows, legal considerations often expand across how the company is set up and governed, how it contracts with customers and partners, how it manages its workforce arrangements, and how it handles privacy and compliance. Getting the basics right early can also make it easier to respond to bigger opportunities later - especially when negotiating with larger organisations or entering time-sensitive conversations.

Rebecca explains why getting legal support early mattered for them:

“We were early to engage professional legal support – as early as creating our shareholders agreement… This became even more important as we began reviewing and negotiating contracts with some fairly large early partners… Having the right legal advice allowed us to move forward confidently…”

Working with Sprintlaw

As businesses grow, legal needs don’t usually arrive one at a time - they stack. Founders often need support that can handle fast-moving commercial work (like contract review and negotiations) alongside foundational protections (like governance documents and core website terms), without slowing the business down.

For growing businesses, having a legal partner who can support both day-to-day contracting and the underlying documents that keep things consistent can make a real difference.

Here’s how Rebecca described the experience of working with Sprintlaw:

“Sprintlaw offers a wide range of legal services, which is reassuring and so efficient for a small firm like ours… We’ve been able to kick off legal projects quickly when needed… They’ve also supported us with more foundational legal work… And their fixed-price legal fees allow us to budget and plan…”

Rebecca’s advice for founders

If there’s one theme that comes up again and again in founder journeys, it’s this: growth is easier when your building blocks are strong. Rebecca’s advice is to get legal support in early - particularly around company set-up and long-term decision-making.

“Start early with professional legal advice… A shareholders’ agreement is essential… Sound legal advice isn’t a nice-to-have in business - it’s a core part of building something that can grow without unnecessary friction or risk.”

For founders building a business, investing early in the right legal foundations can make it much easier to grow with confidence.

If you would like to discuss legal protection for your business, you can reach us at 1800 730 617 or team@sprintlaw.com.au for a free, no-obligations chat.