The SF-15™ Program Guide

 

You've Been Playing the Wrong Game

You're smart. You're successful. You earn well.

Yet here's the uncomfortable truth: You're still trading hours for dollars in a game designed to keep you working until 65.

The traditional financial system has you believing that 40 years of work equals freedom. That your only path is to slowly accumulate, hope the market performs, and pray you have enough when you're too old to enjoy it.

But what if the real problem isn't your income, your savings rate, or even your investment returns?

The Hidden Enemy: The 40-Year Trap

Why Traditional Financial Planning Fails High Achievers

The financial industry's dirty secret: They profit from your confusion and inaction.

  • Complexity by Design: They make it complicated so you stay dependent
  • One-Size-Fits-All: Generic advice that ignores your unique earning power
  • The Waiting Game: Telling you to be "patient" while they collect fees for decades
  • The Retirement Myth: Selling you a dream of freedom at 65 when you could have it at 45

You're not failing at finance. You're succeeding at the wrong system.

 

Introducing SF-15™:

The Wealth Acceleration System for High Performers

 

From 40 Years to 15: The Mathematical Breakthrough

SF-15™ isn't another budgeting app or investment strategy. It's a complete reimagining of how high-income earners build wealth.

When you combine strategic debt elimination, intelligent asset allocation, and equity acceleration techniques used by the ultra-wealthy, you can compress 40 years of wealth-building into 15.

What You Get:

The Complete SF-15™  Transformation Journey

Phase 1: The Foundation (Weeks 1-4)

From Financial Chaos to Crystal-Clear Control

The Inner Portfolio

  • Accessing Inner Wealth: Harness your inner wealth to build and maximise outer wealth Your wealth can't outgrow your worth. This phase focuses on upgrading your financial history and rewriting your money story to support wealth building.
  • Investor Identity Shift: Transform from consumer to investor mindset Shift from consumer to investor identity and develop the SF-15 identity to build self-funded freedom in 15 years or less.
  • Personal Economy Creation: Create your own economy that thrives in every economic cycle Build a personal economy that operates independently of macro economic conditions, with the right mindset and strategy for earning, keeping and multiplying money.
  • Freedom Redefinition: Redefine retirement as freedom on your terms and timeline Move beyond traditional retirement thinking to create freedom on your own terms and timeline. 

Financial Architecture

  •  Current Financial Assessment: Understanding your current financial situation and net wealth position Get complete clarity on where you stand financially right now, including all assets, liabilities, and cash flow.
  • Freedom Number Calculation: Calculate exactly what freedom costs Determine the specific amount you need to achieve financial independence and self-funded freedom.
  • CFO Dashboard Design: Create your personalised dashboard of metrics to track and measure Build a custom dashboard that tracks the key metrics that predict your wealth acceleration and freedom timeline (continued)...

 

  • Cash Flow Analysis: Understanding and maximising current cash flow allocations Analyse how much of your money is paying for the past (debt), being consumed in the present (spending), and funding your freedom (savings/investments).
  • Wealth Allocation Strategy: Design your personalised allocation that strategically prioritises investment, ensuring consistent progress toward self-funded freedom.
  • Automated Systems: Set up automated systems for savings and investments Build systems that work without your constant attention, ensuring consistent wealth building.
  • Expense Understanding: Understanding fixed vs variable expenses Learn to distinguish between expenses you can control and those you can't, optimising your financial flexibility.

Debt Free Fast Track

  • Debt Cycle Breaking: Breaking the cycle to build the future Stop the debt cycle that keeps you trapped and start building wealth instead of paying for the past.
  • Good Debt vs Bad Debt: Understanding productive vs unproductive debt Learn the difference between debt that builds wealth and debt that destroys it, so you can make smart decisions about which debts to keep and which to eliminate.

Week 4 Milestone: Complete financial clarity with automated systems capturing significantly more wealth-building capital

Phase 2: The Flexibility (Weeks 5-8)

Where Money Starts Working Harder Than You Do

Income Diversification and Maximisation

  • Income Source Analysis: Maximising the effectiveness of current income sources With a strong understanding of your financial architecture, you can now look to increase your income flows and build multiple income layers.
  • Three Income Layers: Building active, leveraged and passive income layers Create multiple income streams so you're never dependent on a single source, dramatically reducing risk while increasing total income potential.

Investment Landscape Understanding

  • Wealth Landscape: Understanding the wealth landscape and investment classes Learn about property, shares, cryptocurrency and other investment options to make informed decisions about where to put your money.
  • Asset Classes: Understanding different asset classes Master property, shares/equities, entrepreneurship, bonds, high interest savings, private equity, venture capital, crypto, commodities, and collectibles.
  • Personalised Wealth Plan: Building your personalised wealth plan with chosen asset classes Create a custom investment plan that aligns with your goals, timeline, and risk tolerance.
  • Strategic Reinvestment: Strategic reinvestment of returns Learn when and how to reinvest your investment returns for maximum growth.
  • Superannuation and SMSF: Understanding superannuation and self-managed super funds Maximise your superannuation benefits and understand when SMSF might be right for you.

Macro Level Considerations

  • Economic Factors: Understanding inflation, interest rates, economic cycles, GDP trends, market volatility Learn how broader economic factors affect your investments and how to position yourself to benefit from economic cycles.
  • Global Factors: Currency & globalisation, demographics & population shifts, government policy & regulation Understand how global trends and government policies impact your wealth building strategy. (continued)

 

  • Future Trends: Technological disruption, climate & sustainability, geopolitical factors Stay ahead of trends that will shape the investment landscape and position your portfolio accordingly.
  • Equity Maximisation: Understanding and maximising equity Learn how to build and leverage equity across different asset classes to accelerate wealth building.
  • Asset Performance Monitoring: Monitoring performance of assets Track and measure the performance of your investments to ensure they're meeting your wealth building goals.

Financial Team Assembly

  • Team Building: Assembling your financial team - accountant, lawyer, conveyancer, real estate agent, finance broker, insurance specialist, business mentor, mindset coach The team exists to support your strategy, not to take it out of your hands. Learn how to build and manage the right team of professionals.
  • Adaptability & Resilience: Market downturns, rate rises, career pivots Build resilience to handle market changes and life transitions without derailing your wealth building plan.
  • Liquidity Management: Balancing short term access and long term growth Learn how to maintain access to cash when needed while maximising long-term growth potential.
  • Building Optionality: How to pivot strategies without losing momentum Create flexibility in your approach so you can adapt to changing circumstances without starting over.
  • Inner Portfolio Anchoring: Confidence in volatility Develop the mental resilience to stay confident and make good decisions during market volatility.
  • Long-term Decision Making: Practising long-term decision-making versus instant gratification Build the discipline to make decisions that benefit your future self, not just your present self.
  • Identity Upgrade: From money manager to portfolio manager Shift your identity from someone who manages money to someone who manages a wealth-building portfolio.

Week 8 Milestone: Multiple income streams activated with clear investment strategy for optimal returns

 

The #1 threat to your financial independence isn’t debt—it’s confusion, stagnation, and inaction.

Debt isn’t your biggest problem. In fact, many high-income earners carry some debt and still build massive wealth.

What actually kills financial independence?

  • Not knowing where your money is really going

  • “Winging it” with investments and hoping it works out

  • Postponing decisions because you’re afraid of making the wrong move

That cycle creates confusion, stagnation, and inaction—the three silent killers of wealth.

You’ve worked too hard to let uncertainty dictate your future. What you need is clarity, direction, and a system designed for people like you—the high achievers who refuse to settle for average results.

"Clarity. Control. Confidence. That’s what financial freedom really feels like."

When you stop guessing and start following a proven system, everything changes.

✅ Instead of wondering if you’re “on track,” you’ll know exactly where you’re headed.
✅ Instead of watching money slip through the cracks, you’ll have every dollar working toward your future.
✅ Instead of worrying about debt, investments, or retirement, you’ll feel confident and in control.
✅ Instead of waiting decades to enjoy freedom, you’ll accelerate your independence and design a future that matches the life you want now.

Financial independence isn’t about sacrifice—it’s about strategy.
It’s about aligning your income, assets, and decisions so your money builds the future you actually want to live.

And with the SF-15 System, that future starts today.

It’s not just a system. It’s a strategy of focus, fortune, freedom, and fulfilment

Precision, Power, and a Proven Path to Freedom

The SF-15 Method is not a theory. It’s a proven, precision-driven framework designed to accelerate achievement and transform income into lasting independence.

Where most people rely on guesswork or outdated advice, the SF-15 System gives you clarity, control, and confidence—a structure used by financial professionals to build secure, successful, and self-funded futures.

Here’s how it works:

  1. Income Intelligence – Master the flow of your money with poise and precision. Every dollar is directed with purpose so nothing slips through the cracks.

  2. Strategic Asset Allocation – Build distinction in your portfolio. Instead of chasing trends, you’ll strategically position assets for stability, growth, and long-term fortune.

  3. Equity Acceleration – Harness the power of equity to multiply results and accelerate achievement, turning income streams into wealth engines.

  4. Expense Optimization – Eliminate excess with elegance. By refining where your money goes, you unlock more resources for what matters most.

  5. Liability Elimination – Secure your foundation by reducing and restructuring liabilities, ensuring you move forward unburdened and confident.

Designed for the Ambitious, Not for the Average.

This Is For You If...

  • You’re earning a consistent income and want to accelerate your wealth.

  • You value precision, clarity, and strategy in building your financial future.

  • You’re ambitious and committed to creating a secure, successful, self-funded life.

  • You want focus, fortune, freedom, and fulfilment—not just money in the bank.

  • You’re ready to take ownership of your results instead of relying on chance or outdated systems. 

This is not for you if...

  • You’re looking for a get-rich-quick scheme or overnight results.

  • You aren’t willing to apply the framework with devotion and consistency.

  • You’d rather “wing it” with random financial advice than follow a proven system.

  • You’re not interested in building long-term distinction and depth in your portfolio.

  • You’re content with the traditional 40-year retirement path and don’t want accelerated achievement.

 

Meet the Founder of SF-15™

Hello, I’m Jessica Giles, CPA and founder of SF-15™.

I built this program because I saw too many high-performing professionals doing everything right—except their money wasn’t working for them.

I’ve been where you are, earning well, yet facing a financial reality that didn’t match the image. After a decade of separation, solo parenting, business building, debt, and zero super contributions, I hit rock bottom.

That moment set my mission in motion. I rebuilt, strategically and intentionally, and now I help others do the same: design a precise plan to achieve self-funded freedom in 15 years or less, so their lifestyle is sustained by passive income rather than hours traded. 

Start Your Journey

Choose Your Self-Funded Future Pathway

Three ways to step into financial independence. Same proven system, your choice of support.

PAYMENT PLAN

$250 X 2

2 x MONTHLY PAYMENTS

  • Master the Wealth-Building Framework

  • Plan with Proven Tools

  • Analyse Investments with Precision

  • Fast-Track with Retirement Ready

  • Learn from Guest Experts

  • Lifetime Access with All Updates

I'M READY TO GET STARTED!

PAY IN FULL

$497

ONE PAYMENT

  • Master the Wealth-Building Framework

  • Plan with Proven Tools

  • Analyse Investments with Precision

  • Fast-Track with Retirement Ready

  • Learn from Guest Experts

  • Lifetime Access with All Updates

I'M READY TO BUILD WEALTH!

VIP PACKAGE

$897

PREMIUM ACCESS

  • Master the Wealth-Building Framework

  • Plan with Proven Tools

  • Analyse Investments with Precision

  • Fast-Track with Retirement Ready

  • Learn from Guest Experts

  • Lifetime Access with All Updates

  • 1 Hour 1:1 Personal Wealth Plan Strategy Session
I WANT THE VIP EXPERIENCE!

August Founding Members Pricing

  • Exclusive Pricing – Lock in your 50% saving at just $497 (regular price $997 from September).
  • Immediate Value – Receive complimentary access to Retirement Ready (valued at $997) With immediate access to Retirement Ready, you’ll start calculating your Freedom Number and designing your wealth plan before SF-15™ even starts!
  • Live Group Experience – A one-time, four-week live immersion into the SF-15™ framework, taught directly by me, and reserved for this select group of participants. After this intake, the program will be available as a self-paced experience.
  • Exclusive Access – Regular guest masterclasses with industry experts to deepen your wealth-building knowledge and strategy
  • Lifetime Member Privileges – Keep unlimited access to the complete program and benefit from every future update, ensuring your wealth strategy stays relevant for life.

 

Total Investment Value: Over $6,000  Your Founding Member Rate: Just $497

Kirsten Harris
BDB Group

"I am blown away by the level of love and care Jess has for her clients. Jess is always spot on, meets me where I’m at and keeps me moving toward my goals."

Rhiannon Thistlethwaite

"I have 10x my monthly income since working with Jess. My only wish is that I did it sooner! "

Caitlyn Muir
Iconic Coaching

"Since working with Jess, I’ve had consistent $30k weeks. Jess is the best in the business - deeply loving, strategic and powerful. She’s the real deal!"

What If Nothing Changes?

Think about where you are today. You’re earning, saving, maybe even investing — but without a clear system, money slips through the cracks. Another year passes, and instead of building wealth with precision, you’re reacting to circumstances.

Most people wait until it’s too late to create a real plan. They assume “later” will be easier… but later often turns into decades. And by then, the opportunity to accelerate financial independence is gone.

The truth is, every month without a strategy costs you:

  • Lost compounding growth that could have multiplied your assets

  • Lost time you can never buy back

  • Lost confidence from wondering if you’re doing enough

By doing nothing, you’re not staying safe — you’re falling behind.

Now imagine the opposite: a clear, proven plan guiding every financial decision with confidence. Every dollar is purposeful. Every year builds momentum. Every choice moves you closer to independence.

The question isn’t whether you can afford to invest in your future.
👉 The real question is: Can you afford not to?

Yes — I’m Ready to Build My Self-Funded Future

Your Future Is Funded One Way or Another.

The only question is whether it happens by default—or by design.

With the SF-15™ Wealth-Building Framework, you’ll:

  • Gain clarity on where every dollar goes

  • Take full control of your income, assets, and investments

  • Build unshakable confidence in your financial future

  • Accelerate your path to financial independence in 15 years or less

You’ve worked too hard to leave your future up to chance.
It’s time to move from uncertainty to strategy, from reacting to leading—
and design the financial freedom you deserve.

Let’s Build It Together

Proven Results. Real Freedom.

Here’s just a glimpse of the clarity, control, and confidence others have created with the SF-15™ Wealth-Building Framework.

From Panic to Power

“Jess, if I hadn’t worked with you I would still be in the FU** FU** FU** brain thinking. But now it’s like FU** YEAH that’s gonna be paid tomorrow, 2 weeks BEFORE it’s due date! Wouldn’t be where I am today without you Jess. ❤️🔥”
— Name, title. 

Debt-Free Breakthrough

“I’ve managed to knock off 5k worth of debt simply by a mindset shift. Jessica Giles, you’re an amazing coach. We are in the greatest hands. Thank you and blessings to all you beautiful ladies on this delicious journey. xx”
— Name, title. 

House & Financial Freedom

“I am doing really well. 4 months off having baby #2. The business is pumping and finances have done a 360. We have just purchased a house that I never thought I would be able to afford! So crazy when you feel like you’re never going to be able to turn things around and then it just happens. Thank you so much for your support.”
— Name, title

Incredible Value

“Jess, I just want to say a big thank you for being you and making this program!! I am getting such great value out of it and it is really changing my life and my business. The program is completely different to what I thought, yet exactly what I needed!”
— Name, title

$200K and Growing

“I just wanted to let you know I am thinking of you and feeling so grateful for all of your help over the years. I never thought I could save $100,000 for a house deposit. It took me SO long to save $50,000, and now we are on our way to $200,000 in a year with a baby and a pandemic. Thank you, thank you, thank you. 🙏”
— Name, title

$35K Saved in 6 Months

“Jessica!!! In the 6 months we worked together, I became so financially savvy that my husband and I saved $35,000 for our house deposit!! We start pre-approval processes in the next few weeks with the fabulous broker Lizzy you recommended! Thank you again for all of your wisdom! Stay tuned for the photo of the dream house!”
— Name, title

Your Success Is My Priority

I’m so confident that SF-15™ will transform your financial future that I’m removing all the risk from your decision to invest in yourself.

When you secure your Founding Member place, you’re protected by my 14-day, 100% money-back guarantee. If within two weeks you feel SF-15™, and your bonus Retirement Ready program, aren’t the breakthrough you’ve been waiting for, I’ll refund your investment in full. No questions asked.

Either you’ll walk away with a proven wealth-building system, the tools to create lasting financial freedom, and the clarity to reach your Freedom Number… or you’ll have your money back.

You have everything to gain and nothing to lose. The only real risk is delaying the start of the self-funded future you deserve.Â