Our Story
Founded by Alaina Woolcock and Jacinta Tim So, 20+ year financial planners and money mentors, our Circle was born from witnessing the gap between technical advice and real‐world mindset support. We specialise in blending practical money “hacks” with honest, shame-free coaching, so you gain genuine control over your finances and your future.
Rooted in community and collaboration, we guide busy Australian women through every life stage: from managing credit card debt and side-hustle cash flow to planning for retirement and legacy. Our approach is built on plain - English guidance, hands-on tools, and a supportive environment where your questions are welcomed and your wins are celebrated.
We stand for integrity, empathy, and lasting transformation - because your money story deserves more than quick fixes; it deserves a Circle of women who lift you up and hold you accountable.
Join us and step into a judgement free space where your financial confidence grows, your stress dissolves, and your clarity shines.
Our Philosophy
At the heart of The Money Mindset Circle is a simple belief: when women feel calm and capable with money, everything else flows more easily.
Our philosophy reflects that balance - clear thinking, confident action, and genuine connection.
Vision
Every woman feels calm, confident, and clear about money - thriving in every chapter of life.
Mission
Cut through confusion with plain-English guidance, practical tools, and relatable stories that reduce shame, while fostering a supportive community.
Intent
To empower lasting financial freedom by uniting mindset work and real-world money strategies.
Your Money Mentors
Behind every transformation at The Money Mindset Circle are two passionate traiblazers who’ve dedicated their careers to helping women conquer financial overwhelm, build lasting confidence, and achieve real results-no jargon, no judgement, just genuine support every step of the way.
Alaina Woolcock (Laina)
Tap To Meet Alaina
With over 15 years in financial services and having both led,
grown and ultimately sold a successful Cairns financial planning practice, Alaina has
guided hundreds through superannuation, retirement, and wealth-building decisions. What struck her most wasn’t the numbers - it was the conversations. Women repeatedly felt left out, confused, or judged around money. That insight sparked The Money Mindset Circle with LainaJaye.
Alaina’s practical, down-to-earth style breaks complex topics into simple, actionable steps. She believes financial confidence fuels overall wellbeing, spilling positive effects into every area of life. Based in Cairns QLD, she’s deeply connected to her community and passionate about helping women find clarity, back themselves, and thrive at every stage.
Through the Circle, Alaina and Jacinta aren’t just running a program - they’re building a supportive movement where women learn, share, and grow financial confidence together.
Jacinta Tim So (Jaye)
Click To Hear Jacinta
Jacinta brings 27 years of financial planning expertise to The Circle and has spent years listening to women with different stories but similar obstacles.
As a single mum who had to build her own safety net, understands personal and financial challenges and the need for change. We need to do something now, and this is our way of helping as many women as possible and the community at large.
Jacinta’s passion for helping women overcome these challenges instinctively drives her to specialise in money mindset work, guiding women in reframing their beliefs and relationship with money and establishing habits that work. Her ongoing guidance and support have provided a sounding board for many women juggling family, career and life’s surprises.
Caring, compassionate, relentlessly solution-focused, Jacinta makes lasting change feel not only possible, but inevitable.
Our Pledge to You
We promise plain-English guidance, zero judgement, and tools you can use today. Every conversation is grounded in empathy and real-life experience - because confidence grows where understanding begins.
Our Approach
We blend practical money systems with mindset support - so you not only know what to do, but actually feel calm and confident doing it. It’s where calm meets clarity and long-term ease around money.
Free and paid downloads designed to spark clarity, simplify action, and help you start building calm, confident money habits today.
Our Guiding Principles
Behind every transformation at The Money & Mindset Circle are two passionate trailblazers who’ve dedicated their careers to helping women conquer financial overwhelm, build lasting confidence, and achieve real results-no jargon, no judgement, just genuine support every step of the way.
Empowering
We spark real, lasting confidence.
Relatable
We speak your language-no jargon.
Practical
We deliver simple, actionable tools.
Core Services
What to Expect from us
At The Money & Mindset Circle with LainaJaye, we set crystal-clear expectations and build genuine connections. When you join our Circle, here’s how we support you every step of the way:
We care deeply
You’re never “just a member”-you’re part of our community. We champion your wins, listen to your concerns, and tailor guidance to your unique journey.
We speak your language
No jargon, no fluff. We break down financial concepts into relatable, real-world steps so you feel empowered, not overwhelmed.
We keep it transparent
You’ll always know the “why” behind every strategy. From mind-shifts to money-moves, we explain each step and keep you informed.
We deliver practical results
Our focus is on tools and habits you can use today-so you see quick wins and build momentum toward lasting freedom.
We support everyday women
Whether you’re juggling day-to-day finances or planning retirement, we meet you where you are and help you move confidently forward.
We collaborate seamlessly
We partner smoothly with
your broader team.
We work in sync with
your other advisers…
Why Choose US
Navigating money can feel like an uphill climb - full of jargon, uncertainty, and hidden pitfalls. We’re here to change that.
We blend clear financial strategies with powerful mindset work, delivered in a judgement-free, women-only community. Here’s what makes us different:
Your goals, fears, and dreams guide everything we do. We listen first, then craft practical steps that fit your life.
Heart-Centered Support
1
Most programs teach only budgets. We teach both the “how” and the “why,” so new habits stick and confidence soars.
Mindset & Money Fusion
2
From automated leak detectors to habit - stacking rituals, our hacks are designed for busy women who need fast, tangible wins.
Real-World Tools
3
You’re never alone. Our intimate circle of peers and mentors celebrates wins, troubleshoots setbacks, and keeps you motivated.
Community Accountability
4
Founded by seasoned financial advisers now leading as money mentors, Jacinta Tim So and Alaina Woolcock deliver plain-English advice backed by decades of experience.
Expertise You Can Trust
5
Whether you want a free PDF, a quick email challenge, or deep-dive coaching, our tiered offers let you choose your own pace and investment level.
Flexible Pathways
6
We provide general financial education, not personal advice — giving you space to grow your knowledge and confidence in your own way.
Ethical & Regulated
7
Every course, community event, and resource is crafted around women’s unique financial challenges and life stages, from 18 to 80.
Designed for Women
8
Ready to transform your money mindset and master your finances?
Join The Money & Mindset Circle today and start your journey to calm, confident, clear money management.
Core Mantra's
Timely, Unbiased
Guidance Changes Everything.
We’re committed to delivering plain-English education that’s practical, accessible, and focused on you. When life pivots, you deserve strategies that build confidence, safeguard your future, and highlight opportunities.
Complex Transitions Demand Expert Support.
From juggling multiple income streams to untangling investments and debt, real-world finance can feel overwhelming. We excel at breaking down complexity into actionable steps and mindset shifts that turn stress into progress.
Money Is
Deeply Personal.
We honour the emotional side of money - whether you’re starting a family, navigating career shifts, rebuilding after loss, or planning retirement. These life chapters bring vulnerability and opportunity, and we’re here to guide you through both with compassion and clarity.
What Our Members Are Saying
Read these honest testimonials & stories of breakthroughs, big wins, and lasting mindset shifts - and imagine what you could achieve with a circle cheering you on. These are everyday women just like you!
“
When I first connected with Alaina, I was completely overwhelmed and unsure where to start. She helped me untangle everything, rebuild confidence, and see that calm with money is possible at any stage of life.”
Sally, Teacher/Artist, 61, Cairns
“
We felt supported from the very first chat. Jacinta and Alaina bring such warmth and encouragement - it’s like having two cheerleaders who truly want you to succeed.
Wendy, Nurse, 38, Cairns
“
Alaina helped me step back and see my patterns clearly. It was the first time money felt approachable - not confusing or stressful.
Alannah, Executive Services, 28, Cairns
“
Jacinta makes complex things feel simple. She has this calm, grounded way of helping you find confidence again. I finally feel in control.
Maggie, Paramedic, 30, Cairns
“
What stood out most was how seen I felt. Jacinta understood me as a person - not just the numbers - and that changed everything. I left feeling lighter, hopeful, and ready to move forward.
Stevie, Insurance Assessor, 34, Cairns
“
My husband and I wanted balance more than anything - not just financial success but peace of mind. Jacinta helped us create structure around that dream. We finally feel aligned and confident about what’s next.
Darlene, Healthcare Professional, 63, Brisbane
“
Practical, realistic, and kind - that’s how I’d describe Jacinta. I left feeling motivated and supported, but most of all, capable.
Madina, Real Estate, 40, Weipa
“
Clarity - that’s what Alaina gave me. No jargon. No pressure. Just genuine, easy-to-understand conversations that made me feel calm and confident again.
Kerry, Manager, 50s, Cairns
“
I’ve always found money stressful, but Alaina’s down-to-earth approach changed that. She helped me understand what to focus on and gave me tools that actually stick.
Joanne, Hairdresser, 50s, Cairns
“
Working with Jacinta and Alaina shifted how I think about money. I stopped avoiding it and started feeling proud of my progress. It’s calm, supportive, and life-changing in the best way.