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“There’s nothing more rewarding than being part of someone’s life-changing financial journey—helping them shift from stress to confidence, one smart money move at a time.” 

Before becoming a Financial Coach, I worked in investment banking as a software developer and hold a PhD in biosciences. But my true passion has always been empowering others—which led me to found Aray Wellbeing CIC, a not-for-profit focused on personal and professional growth. Through this work, I saw how financial stress holds people back, and I knew I could help. Now, I combine my financial expertise with one-to-one coaching to simplify money management, spark excitement about personal finance, and give clients the tools to take control—whether they’re saving for big goals, building security, or just creating healthier habits. For me, it’s about turning anxiety into action and opening doors to a brighter future. 

Money doesn’t have to be complicated—or overwhelming. As your coach, I’ll break it down into simple, actionable steps tailored to your life. Whether you’re tackling debt, investing for the first time, or just want to feel more in control, I’ll help you build confidence, clarity, and a personalised plan that actually works. 

It’s that ‘lightbulb moment’—when finances finally click, and clients feel motivated to take charge. But the real magic? The ripple effect: better sleep, less stress, and stronger relationships. Money worries are the #1 cause of anxiety in the UK, but with the right guidance, financial clarity can transform every part of your life. That’s why I do this—to help people unlock not just wealth, but peace of mind. 

Julia Jones

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What clients say

Securing your family’s future
“Very supportive and encouraging. I really feel like I have someone who is helping me plan for the future and create a strategy that will benefit my family in the future.”
Retiring early
“I’m feeling more confident about retirement now – we’ve put a clear plan in place, and I’m on track to retire even earlier than I thought.”
Buying a dream home
“I’m so excited – I can finally see exactly when I’ll be able to buy my dream home. Having a clear plan makes it feel real.”
Growing your family
“I felt really understood. As a woman, she understood why I might want to reduce work or take a break for my family. We worked together to build this into my plan.”
Leaving a legacy
“Really knowledgeable and quickly focussed in on what would benefit me most – inheritance tax, lasting power of attorney and when I’d actually like to retire. I’m feeling more confident about my plans.”