
Smarter Financial Coaching
Lets get you back on track.
Our financial coaching partnership
The Smart Advice Collective has partnered with Full Balance Personal Financial Coaching & Consulting to bring you a comprehensive, holistic approach to your financial well-being. By combining our expertise in insurance, mortgages, KiwiSaver, and investments with Full Balance's practical money management and debt-reduction coaching, we bridge the gap between financial products and daily cash-flow habits.
Together, we ensure you have both the foundational tools to master everyday spending and trusted guidance for major financial milestones, giving you a complete roadmap to reduce stress and achieve long-term success.

Shula Newland
As the Founder and Financial Coach at Full Balance Personal Financial Coaching & Consulting, I act as an independent, objective mentor specialising in building practical plans to ensure you can get rid of your debt, master your cashflow, and deal with any negative mindsets around money holding you back. We work with individuals, couples, families and small businesses to build your confidence to ensure you can manage your everyday finances with confidence.
In collaboration with The Smart Advice Collective, I help clients establish solid daily spending foundations and long term planning while ensuring seamless access to expert product advice to manage your risk, investment growth and mortgages. My goal-focused coaching provides the continuous guidance needed to accelerate debt reduction and secure long-term financial freedom.


