From Passion to Financial Freedom

Struggling to Turn Your Skills and Dreams into Income? We Help You Build a Profitable Business with Ease.

What We Offer

Transform Your Passion into Profitable Success with 25+ Years of Expertise

Start up Success

Get Your Business Off the Ground
If you're a new business owner, our courses will guide you through every step to launch successfully and confidently.

Sustainable Scaling

Grow Without the Extra Hours
For established businesses, learn how to scale sustainably with our expert-driven strategies, ensuring growth without burnout.

Wealth Acceleration

Supercharge Your Wealth Building
Benefit from bespoke coaching and a comprehensive 12-month subscription. Receive monthly video updates with actionable checklists and participate in group Q&A sessions to keep your business moving forward.


300+Happy Clients

25+Years Experience

Nice to Meet You!

Hi I'm Jewlz Ellem!

As a Chartered Accountant and Chartered Company Secretary, I founded Catalyst Plus in 2011 to provide vital risk management and wealth creation advice, often overlooked by small businesses.

Despite achieving success, I initially found myself working 60+ hours a week for a fraction of my corporate salary. This led to significant personal struggles.

Within three years, I transformed my life by increasing my salary by $100k per annum, reducing my work hours to under 20 per week, and steadily growing my business's revenue and results.

Now, I am dedicated to helping entrepreneurs like you achieve financial freedom using the same strategies that worked for me.

Let’s work together to boost your earnings without adding extra hours to your workweek and achieve the financial independence you desire.

Craft your Business Mastery: 12-Month Expert-Led Growth Journey

Are you ready to elevate your business? Join our 12-month subscription program and gain access to expert guidance in liquidation, legal, financial advising, insurance, mortgage services, and more.

What our Customers are Saying

Our courses are designed by experts who have years of experience and proven results in business, wealth generation and financial freedom.

Jewlz not only spent the time to get my financial situation on track and moving in a positive direction. She automated the systems to a process that’s usually time consuming. To becoming an experience that become enjoyable over a glass of red wine.

Adrian Coffey

Jewlz takes the time to explain things when I don't understand and is always looking for ways for me to save money. I'd highly recommend her and her team, especially if you're ready to move forward in your business or your life, with financial clarity.

Rebecca Mar Young

Jewlz is a smart business woman who actually truly cares about her clients and seeing them succeed. She always takes the time to go the extra mile. I love her honest and down-to-earth personality and enjoy every session with her. Couldn't be happier with her services.

Nathalie Reiter

Our Latest Articles


Sole Trading: Smart Start or Risky Business?

February 08, 20242 min read

Starting a business is an adventure that many embark on, but often with trepidation due to the bleak statistics around business survival. However, with the right approach, these stats can be defied.

Many entrepreneurs begin as sole traders due to its simplicity and cost-effectiveness. Yet, this choice may inadvertently set limits on your business aspirations.

The Perils of Sole Trading

A sole trader structure offers no distinction between personal and business assets. This unlimited liability means personal belongings could be at risk if your business faces legal issues. Imagine jeopardising your home, car, or savings to settle business debts—a situation no entrepreneur wants.

Moreover, as a sole trader, profits become personal income and are taxed at individual rates. While manageable on a modest income, this could lead to hefty tax bills as earnings rise.

Tax Implications and Risk Exposure

Consider this: if your sole trader business profits $100k annually, you may end up paying more tax than necessary. And while freelancing might seem fit for sole trading, the risks can outweigh the benefits, especially in professions with high liability risks, like electricians or mechanics.

A Cautionary Tale

Take the tragic example of a young café owner. A sole trader, she suffered a severe injury, resulting in lost livelihood and insurmountable debts. Had she opted for a company structure, access to workers' compensation could have cushioned her fall, protecting her personal assets.

Essential Questions for Aspiring Sole Traders

Before deciding on a sole trader structure, consider:

  1. What business vision do you have?

  2. Are you seeking a self-employed job or a scalable business?

  3. Is hiring a part of your growth plan?

  4. Do you anticipate substantial income or profit?

  5. Are you prepared to risk personal assets for business debts?

  6. Does your startup require significant investment?

If you've nodded to any, it's time to explore robust structures like companies or family trusts.

Sole Trader or Not?

A sole trader status might suffice for low-risk, small-scale endeavours. But if your sights are set on expansive growth, employee hiring, and substantial profit, think bigger and safer. Dive into our "business structures" series to learn more about the alternatives that safeguard your personal assets and pave the way for success.

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Frequently Asked Questions

What can I expect from your business coaching courses?

Our business coaching courses provide comprehensive guidance tailored to your unique needs. You’ll gain practical strategies, expert insights, and actionable steps to launch, scale, and build wealth through your business. Each course is designed to help you achieve financial freedom while maintaining a healthy work-life balance.

How are your courses different from other business coaching programs?

Unlike generic coaching programs, our courses are rooted in real-world experience and success. As a Chartered Accountant and Chartered Company Secretary who has personally overcome business challenges, I offer insights that go beyond theory. You’ll benefit from practical advice and personalised strategies aimed at sustainable growth and financial prosperity.

How much time will I need to invest in these courses?

Our courses are designed to be flexible and accommodate your busy schedule. Each module is broken down into manageable segments that you can complete at your own pace. Typically, dedicating just a few hours a week can significantly advance your progress toward achieving your business goals.

Will these courses help me even if I’m just starting out or already established?

Absolutely! Our courses cater to business owners at all stages—whether you're just starting out, looking to scale, or aiming to build long-term wealth. Each course is structured to provide valuable insights and strategies that are relevant to your current stage of business development and can be tailored to your specific needs and goals.

Do you offer personalised one-on-one coaching?

Yes, we do offer personalised one-on-one coaching tailored to your unique business needs and goals. Our individual coaching sessions provide dedicated support, customised strategies, and hands-on guidance to help you overcome specific challenges and achieve your business objectives effectively. Reach out to us to learn more about how personalised coaching can benefit your journey.

Work with Business Coach Jewlz Ellem who has over 25 years of experience and proven results in business.

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