GEM Consultancy · Gemma Heard

Welcome to your money making era, Queen!

I help brilliant women in the UK become rich AF, by bridging the money, finance and tax education gap nobody ever taught us... until now.

Gemma Heard in a black blazer, sitting on a director's chair
20+ years in financeQualified accountant
Global experience
20+ years in financeAAT Past President's Award 20241,000+ women helped£1M+ tax savedAs seen in Daily Mail Online
Who I serve

Women just like you. Brilliant at what you do, building something you're proud of, and ready for your money to finally work as hard as you do.

Nobody ever sat us down and taught us money, finance and tax. Not school, not the business courses, and for most of us, not our families either. That's not a you problem. It's a gap, and I've spent my career closing it.

Magic
My signature framework

Book the holiday. Buy the car. Get the house. Start with your Magic Number.

The one number that tells you exactly what your business needs to make, to pay for the life you actually want. Whichever way you work with me, this is where the money making era really begins.

Taught in 15+ academiesAny industryAny income levelNow with AI
Get your Magic Number
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Gemma Heard on a sofa, The Magic Number
Gemma Heard smiling on a white sofa
About Gem

Hi, I'm Gem. Australian Cornish, and your financial wingwoman.

I was born in Australia, and now I live in Carbis Bay. I'm a single mum to Sonny, who I raised by myself, and I'm an only child and carer for my dad, who has Alzheimer's and dementia.

I've worked in finance for over 20 years across three continents.

Two truths and a lieNon-business edition

Can you spot the lie? Tap your guess.

Qualified accountant20+ years in finance3 continentsADHD brainCarbis Bay, Cornwall
My story
Why I do this

I know what it feels like to have no choice. That's why I'll always fight for yours.

Australia

My freedom was taken from me

There was a time in Australia when my freedom was taken from me. The financial success I'd built myself is what let me navigate out of one of the hardest times of my life.

Back in the UK

On Universal Credit

I came home and ended up on Universal Credit, not knowing how to get out of it. A qualified accountant, charging £15 an hour, stuck.

The turn

I figured it out

The UK system is so hard to navigate. So I worked it out, closed my own money gap, and went from £6k a year to six figures.

Now

My life's work

I spend my days making sure other women always have choice when it comes to their money. I truly believe it's why I was put on this earth: to help you create wealth on your terms.

Whether you're at six figures or seven, I know what your numbers look like from the inside. I've supported businesses managing millions and worked on $37 million of profit assets. And the fear of the brown envelope doesn't disappear with the extra zeros. The leaks just get bigger. You're not broken, and I've got you.

Wealth on your terms

Wealth doesn't look the same for everyone. And it shouldn't.

There's no one-size-fits-all version of rich. My job is to help you build the version that's yours, whatever that looks like.

For some women

A simple, debt-free life in a caravan in the Yorkshire Dales.

For others

A Bugatti on the drive and flying first class around the world.

For me, right now

Living minutes from Carbis Bay beach with views of the sea, every school run, every sports day, every show, and time off whenever my family needs me.

How I work

Mindset and the practical, woven together. That's why it works.

Everyone has a money personality, and it shapes every decision you make in your business and your life. So I don't just hand you a spreadsheet. I teach the money, finance and tax know-how alongside how you think, feel and behave with money. That's why the changes stick, and why so many of my clients come back to work with me again and again.

Sweatpants welcome. Standards non-negotiable.

There's a mutual respect in showing up when we work together. We can do it in sweatpants, but there are very clear goals and outcomes from the outset. I'm results driven, I take my work seriously, and I love working with women who are ready to make moves. So if that's you, you're in the right place.

A

Authenticity

What you see is what you get. Real numbers, real life.

F

Fun

If it's not fun, I'm not coming. Money doesn't have to be boring or scary.

E

Empathy

No judgement, ever. Every woman's version of success is valid.

R

Results

Clear goals, clear outcomes, and the follow-through to hit them.

Gemma Heard laughing in a pink jumper
Qualifications, awards & credibility

The qualifications to back it up.

20+Years in finance as a qualified accountant, across 3 continents
1,000+Women helped with their businesses
£1M+Saved in tax for clients
$37MProfit assets I've worked on
AAT Past President's Award 2024 FSB Awards: top 7 of 33,000 applicants Award-winning accountancy practice in Cornwall Finance manager for 220+ businesses in a $400M shopping centre Taught in 15+ academies in the last 12 months
As seen inDaily Mail OnlinePaloma Faith and Gemma Heard on how, as women, we're expected to work like we have no kids and parent like we have no workRead the article →