You're making £10K months.
So why is your bank account still dry?
Money, finance and tax. They're the foundations everything in your business is built on, and the part nobody ever teaches you. Get them wrong and everything you build on top starts to crumble.
Inside the Wealth Academy you'll learn all three: how to structure your business legally and tax-efficiently, plug the money leaks quietly draining it, and keep far more of the money you make.
6 months. A qualified accountant in your corner. A business that pays YOU first, every single month.
Yes I'm in
Profitable
Understand exactly where your money goes and plug the leaks draining your business
Tax-efficient
Extract money from your business legally and strategically, keeping more of what you make
Wealth-building
Turn your profits into long-term assets and investments that grow while you sleep
Your Instagram story says "£15K month ". Your bank account says "...where did it go?"
And that gap? It's quietly eating you alive.
You posted the screenshot. The comments rolled in. "Goals!" "You're smashing it!" "Teach me your ways!"
Then two weeks later you're stood in the kitchen, scrolling your banking app, trying to work out where it all went.. and whether you can actually pay yourself this month.
You take money out whenever it feels safe, never the same amount twice. Someone asks what your tax bill will be in January and you change the subject. The login from your accountant sits in your inbox, unopened. Not because you're lazy. Because it isn't the logging in that's the block, it's what's waiting on the other side of it.
And here's the bit nobody says out loud. When everyone thinks you're smashing £10K months, you can start to feel like a fraud. Like if your clients saw the real numbers, they'd never book you again.
That feeling is not the truth about you. It's what happens when a brilliant business has never had the money side built around it.
You've invested in coaches, courses, masterminds, equipment, staff, maybe a shiny rebrand, all promising more revenue. And more came in. It just didn't stay.
Because more water in a bucket full of holes still ends up on the floor.
So hear me, money queen. You are NOT bad with money.
You were just never taught it. Not at school. Not by your mum, or her mum before her. Most of the women in your family line were never given the chance to build wealth of their own, so there was nobody to copy.
So you've been writing the rules as you go. And you built a business people happily pay for while you did it. That's not a woman who's bad with money. That's a woman who's missing one piece of the puzzle.
You don't need £20K months. You need to keep more of the £10K you're already making, and know exactly where every pound of it goes.
That's the piece the Wealth Academy gives you. For life.
Let's do this!
To ThisMaking money is your superpower. Keeping it is the skill nobody taught you
until now.You know how to sign clients and fill your diary. You know how to deliver results, and work people rave about and come back for. But keeping the money, growing it, turning it into something that lasts? That was never on anyone's curriculum.
More revenue won't fill that gap. A qualified accountant in your corner, showing you the system step by step and keeping you accountable while you build it, will.
The women who build real wealth aren't the ones making the most. They're the ones who learned to keep it. And once you've learned it, it's yours for life.
Sarah went from £4K months to £100K revenue in 6 months
Sarah, cleaning business owner"When I came to Gemma, I was making around £4,000 a month and I was exhausted. I was working constantly but had nothing to show for it financially. I thought I just needed more clients."
"Gemma looked at my business and showed me exactly where money was leaking. We restructured my pricing, fixed my systems, and created an actual profit strategy. Within three months I was hitting £11,000 months. Within six months I hit £100,000 in revenue, hired a team of four, and finally took my daughter on a five-star holiday, paid for entirely by my business."
- £4K → £11K months in 3 months
- £100K revenue in 6 months
- Team of 4 hired
- VAT registered without losing clients
You're the woman people come to for results. Your clients rebook, rave about you and send their friends. You've built something real, often from nothing.
But your own money? You've been making it up as you go. And you're tired of carrying it on your own.
The Wealth Academy isn't another revenue course, and it won't turn you into a spreadsheet person. It's 6 months of mentorship with me, a qualified accountant, where we build a money system around YOUR business and the way you're actually wired.
By the end, you're paying yourself properly. Your tax and VAT are sorted before the bill ever lands. There's money in the bank that's actually yours. No more lying awake doing sums in your head.
You'll graduate knowing how to keep and grow your money for the rest of your life. Not just how to post a pretty revenue screenshot.
This is for you if you're...
Any industry. From beauty and aesthetics to academy owners and coaches, the strategies you learn inside the Academy work for any business. If you've built something people happily pay for, you belong in this room.
- Making £5K to £25K+ months and still not feeling it in your bank account
- Done with "I'll look at it later". You want to know where every pound goes, what you'll owe in tax, and exactly what you can safely pay yourself
- Sick of repeating the same year twice: more sales, same stress, same panic when the tax bill lands
- Brilliant at making money and ready to get just as good at keeping it
- Ready to build wealth that lasts: a proper cash buffer, a home that's yours, investments working quietly in the background, and being the one who can help her family, not the one who needs saving
You might be thinking:
"If I join this, what does that say about me?"
Maybe you coach other women. Maybe you're the one everyone comes to for advice. Maybe you're the salon owner the younger techs look up to, or the business owner your friends think has it all figured out.
And there's a little voice going: if I join a money programme, doesn't that mean I haven't got mine sorted? What would my clients think?
Queen, making money and keeping money are two completely different skills.
Every woman I work with is brilliant at the first one. Nobody ever taught her the second. Not school. Not her mum. Not the coach or the course that helped her hit her first £10K month.
I've worked with women celebrating million-pound years who couldn't tell me where their money went. Women running their own academies, busy salons, clinics and studios with a full team behind them, quietly hoping nobody looks too closely at their bank balance.
That isn't a character flaw. It's a gap. And gaps can be closed.
The women building real wealth aren't the ones pretending they've got it all figured out.
They're the ones who stopped carrying it alone.
Every serious CEO has someone qualified in her numbers. That isn't weakness. It's what operating at the next level looks like.
And if you're worried about being seen, don't be. This is a private Telegram group, not a public Facebook page. The only women who'll know you're in there are the ones doing the exact same work as you.
If what's really stopping you is what you might find when you finally look, I get it. Whatever is in there, we look at it together, and nothing in your numbers will shock me.
The women still lying awake at night are the ones telling themselves they'll sort it later. The ones building wealth? They're in the room.
Here's what makes this different:
I'm a qualified accountant with over 20 years in finance across three continents. I've run the finances for 220+ businesses under one roof in a $400 million turnover shopping centre, and worked on $37 million of profit assets. I know exactly what the inside of a genuinely healthy business looks like.
But here's the part that matters to you. For years I knew everyone else's tax inside out while charging £15 an hour for my own time. I came back to the UK as a single mum, looked at a job offer that would have left me £20 a week worse off after childcare, and chose a different path.
Knowing the numbers didn't fix it. Learning the money side did: the pricing, the worth, the habits. That's what took my business from £6K a year to six figures.
Most money coaches don't have the qualifications. Most accountants have never felt the money shame. I've lived both sides, and you get both in the Academy.
You're not a baby business any more. You're the CEO of a growing company, and I'll show you exactly where to focus to build the financial future you deserve.
I'm ready!
Over 6 months you're going to build your own W.E.A.L.T.H. system
Wealth Clarity
Get crystal clear on exactly where your money is going. We'll diagnose your business finances, identify money leaks, and create your personalised financial health assessment. You'll know exactly what's working and what's costing you.
Extraction Strategy
Learn how to take money out of your business tax-efficiently. Most women are overpaying tax or scared to pay themselves. You'll know exactly how much you can pay yourself, when, and the most strategic way to do it.
Asset Building
Identify your low-hanging fruit: the quick wins and money opportunities hiding in plain sight.
Long-term Wealth
Learn the foundations of investing and making your money work for you. Guest experts will show you how to build passive income, invest strategically, and create generational wealth.
Tax Mastery
Never be surprised by a tax bill again. You'll learn to project your tax 12 months in advance, tell HMRC what you'll owe (instead of waiting to find out), and structure everything for maximum efficiency.
Healthy Business
Transform your relationship with money. We'll work on the mindset blocks keeping you stuck, clear the shame around numbers, and help you step into your role as a true CEO of a financially healthy business.
How it Works
Build Your Foundation
Get your personalised financial diagnostic (delivered via Loom before we even start). We'll identify your money leaks, tax savings opportunities, and create your wealth roadmap.
Optimise Your Systems
Implement your extraction strategy and plug the leaks. You'll start paying yourself properly, set up your tax projections, and create your cash safety net.
Scale Your Wealth
Focus on long-term wealth building. Guest experts on investing, property, and passive income. You'll leave with a 12-month wealth plan and the confidence to execute it.
What's Included
- Personalised Financial DiagnosticA custom Loom video analysing YOUR numbers and identifying YOUR savings opportunities before we even start
- Fortnightly Hot Seat CoachingLive group coaching calls every two weeks where you get direct feedback on YOUR business finances
- Pre-Recorded CurriculumThe complete W.E.A.L.T.H. system available in a private portal, watch at your own pace
- Weekly Telegram CoachingAsk questions, get answers, never feel stuck or alone with your numbers
- Guest Expert TrainingsMonthly sessions with investing, property, and wealth-building specialists
- The VAT Course (£397 value)Everything you need to know about VAT registration, thresholds, and strategy
- 12 Months of the Money Maker Membership, FreeA money-making voice note from me every week, a live CEO Finance Masterclass every month, and 300+ money, finance and tax trainings
Rachel saved £3,000 in the first 4 weeks
Digital marketing expert"I'd been in business for three years and thought I had my finances sorted. I had an accountant, I was making good money, I paid my tax on time. But something still felt off."
"In the first four weeks with Gemma, we restructured my accountancy setup and I saved £3,000. Just like that. Money I would have handed to HMRC unnecessarily. But more than that, she helped me redesign my entire business for alignment and profitability. For the first time, I actually understand my numbers, and I'm not scared of them anymore."
- £3,000 saved in first 4 weeks
- Tax and accountancy restructured
- Business redesigned for profitability
- Spare bedroom → High street salon
- Hired and manages a team
- Multiple passive income streams
- Building generational wealth
Emma went from spare bedroom to high street salon and generational wealth
Nail salon owner & single mum of three"I was running my nail business from my spare bedroom, juggling three kids, and constantly feeling like I was failing at everything. I knew I was good at what I did, but I had no idea how to turn that into real financial security."
"Working with Gemma changed everything. I now have a high street salon, a team working for me, passive income streams, and I'm building generational wealth for my children. The financial overflow and peace I have now? I didn't even know that was possible for someone like me."
Imagine this...
It's 6 months from now...
For the first time ever, you know exactly where every pound went.
You've been paying yourself consistently. Not scraping what's left over, but a proper salary you decided on in advance. Your tax bill for the year? Already calculated. Already set aside. Zero stress.
You've got a juicy cash safety net sitting in your business account. The kind that means you sleep through the night. The kind that means when an unexpected expense comes up, you just... handle it.
You've started investing. Maybe it's property. Maybe it's stocks and shares. Maybe it's something you never even considered before. But your money is finally working for YOU instead of just flowing through your business and out the other side.
When someone asks how business is going, you don't have to fake confidence. Your bank account matches your success. Your numbers make sense. You're not just making money, you're building wealth.
And when someone you love needs a hand, you're the one who can give it, without it costing you a thing.
And the best part? None of this required you to work more hours, take on more clients, or launch another thing. You just learned how to keep more of what you were already making.
If this is the future you're craving, it starts with the moves you make TODAY.
If this is the future you're craving, it starts with the moves you make TODAY
Join now
About
Gemma HeardGemma Heard is a fully qualified accountant and financial strategist who helps ambitious women extract real wealth from their businesses. With two decades in finance across three continents, including the finances of 220+ businesses in a $400M-turnover shopping centre, she now works with women in any industry, from beauty, aesthetics and salons to academy owners and coaches, to build financially healthy companies that create lasting wealth.
Her philosophy is simple: financial success isn't about the number. It's about safety, choice, and control. That's Wealth on Your Terms.
Pay in full to unlock these extra bonuses
Choose the pay in full option to unlock these exclusive bonuses
The Wealth AI Suite
Fast action bonus #1My custom AI tools that save you hours every week: Profit Projection Calculator, Tax Planning Assistant, Cash Flow Forecaster, and the Financial Health Audit Bot. Plug in your numbers and get instant insights, like having a financial strategist in your pocket.
Private 1:1 Financial Audit Call
Fast action bonus #2A 45-minute private call with me to deep dive into YOUR specific situation. We'll review your finances together, identify hidden opportunities, and create a personalised action plan. This is worth the investment alone.
Wealth On Your Terms Workbook
Fast action bonus #3The complete workbook I use with my private clients to map their financial vision, track their wealth journey, and stay accountable to their money goals. Includes templates, trackers, and the exact frameworks I use.
Total Bonus Value: £1,691
Yours FREE when you pay in full
Investment
Monthly payments
- Personalised Financial Diagnostic Loom
- Fortnightly Hot Seat Coaching
- Complete W.E.A.L.T.H. Curriculum
- Weekly Telegram Coaching
- Guest Expert Trainings
- The VAT Course (£397 value)
- 12 months of the Money Maker Membership
5 x £600
Monthly
Join nowSecure checkout · start the day you join
One payment + all bonuses included:
- Personalised Financial Diagnostic Loom
- Fortnightly Hot Seat Coaching
- Complete W.E.A.L.T.H. Curriculum
- Weekly Telegram Coaching
- Guest Expert Trainings
- The VAT Course (£397 value)
- 12 months of the Money Maker Membership
- £1,691 in bonuses
PLUS
- BONUS: The Wealth AI Suite (£997 value)
- BONUS: Private 1:1 Financial Audit Call (value £497)
- BONUS: Wealth On Your Terms Workbook (value £197)
£3,000
Join nowSecure checkout · start the day you join
Got a question first? DM me on Instagram
Still on the fence?
"But I already have an accountant..."
Brilliant, keep them. This isn't done-for-you accountancy. Your accountant keeps you safe and compliant. The Academy fills the gap between that and the key piece that's missing: understanding and commanding your own numbers.
"I don't know if I can afford it right now..."
Here's the reality: delaying this work is expensive. Most women lose £3K to £5K per year through leaks and inefficiencies they don't even know about. Over five years, that's £25K of missed wealth. The Wealth Academy typically pays for itself within the first month from tax savings alone. The real question is: can you afford NOT to fix this?
"I'd love to, but I don't have time right now..."
I get it. And I'll say this gently: time is usually the polite reason. The real one is what you might find when you look. Your part is a fortnightly call and short lessons you can watch on the school run. Avoiding your numbers is already costing you more hours, and more sleep, than this ever will. And whenever you join, you get a full 6 months of support.
Frequently Asked Questions
What are the coaching calls like? How does it work?
The Academy runs for 6 months with fortnightly hot seat coaching calls (1 hour every two weeks). You'll also have an on-demand curriculum to work through at your own pace, weekly coaching and support in our private Telegram group for questions between calls, and guest expert trainings monthly. Can't make a call live? Catch the replay. It's designed to fit around your business, not take over your life.
What revenue level do I need to be at?
The Academy is designed for women making £5K to £25K+ months, sole traders and limited companies, in any industry. If you're not at consistent £5K months yet, the Money Maker Membership is the place to start.
Do I get 1:1 time with Gemma?
The coaching is in a small group, and your Financial Diagnostic is personal to you. When you pay in full you also get a private 45-minute 1:1 Financial Audit Call with me. If you'd rather work fully 1:1, take a look at the Wealth Clarity Day.
When does the programme start?
Whenever you're ready. You can join any time and you start the day you join, with your Financial Diagnostic first so we know exactly where to focus. Your 6 months run from your start date.
Is this done-for-you accountancy?
No. Your accountant keeps doing your books and your returns. The Academy teaches you to understand and command your own numbers, so you work with your accountant from a place of confidence.
I've done a Wealth Clarity Day. Do I get anything off?
Yes. If you join the Academy within 7 days of your Clarity Day, the whole of your Clarity Day fee is taken off your Academy investment.
Is this regulated financial advice?
No. The Academy is financial education and mentorship for you and your business. It isn't regulated investment, pension or mortgage advice. If you ever need that, I'll point you to the right kind of adviser.
What is The Wealth Academy?
The Wealth Academy is my 6-month group money mentorship for women business owners, led by me, a UK qualified accountant. You get a personalised Financial Diagnostic, the W.E.A.L.T.H. curriculum, fortnightly hot seat coaching, weekly Telegram coaching, monthly guest expert trainings, the VAT Course (£397 value) and 12 months of the Money Maker Membership. It's £3,000 in full or 5 x £600.
Ready to build a financially healthy business?
Join the AcademyThis is about Wealth on YOUR Terms. Let's build it together.