Karen G. Adams: Empowering Lives as a Financial Coach and Mentor

Hi, I’m Karen G. Adams – Financial Coach, Educator, and the woman behind Financial Management 101.

For over 39 years, I’ve worked across nearly every corner of the financial services industry — from self-managed super funds (SMSFs), financial planning, and funds management to finance and mortgage broking. That means when it comes to money, I’ve seen it all—through market booms, busts, and everything in between.

Today, I use that experience to help everyday people – from individuals and families to tradies, franchisees, and small business owners – ditch financial stress and build real financial confidence.

I don’t just talk about budgets and spreadsheets. I coach people to build financial muscle – the emotional and practical strength needed to take control of money, stay consistent, and finally feel in charge, not overwhelmed.

Whether you’re trying to get ahead on your home loan, figure out how to separate your business and personal finances, or finally feel confident about where your money’s going—I’m here to help.

Who I Work With

I work with:

• Individuals and families looking to reduce debt, save smarter, and stop living paycheck to paycheck

• Self-employed professionals and small business owners who feel stuck in financial overwhelm and want simple, no-BS systems to manage their cash flow, taxes, and profit

• People who are tired of feeling confused or ashamed about money, and want guidance that’s clear, kind, and actually makes a difference

What Makes Me Different

I’m not just another coach who read a few books and decided to teach finance. I bring 39 years of hands-on financial industry experience and blend it with real-world coaching and mindset work to help clients make long-lasting change. I’ve worked with corporate clients, mum-and-dad investors, solo business owners, and everything in between.

Most importantly? I meet you where you’re at—no jargon, no judgment, just real guidance that works.

Why Financial Management 101?

Because money doesn’t have to be complicated.
At Financial Management 101, we simplify the tough stuff—so you can feel clear, in control, and financially fit.

Let’s build the financial muscle that helps you thrive – not just survive.