Generational Wealth Behaviourist

The behaviour behind lasting wealth.

Award-winning entrepreneur. Occupational Therapist. TEDx speaker. Cancer survivor. Amelia works at the intersection of wealth psychology, family governance, and generational legacy. Trusted by ultra-high-net-worth families and respected as a keynote voice on the global stage.

Amelia St Baker
TEDx Speaker
MBA — University of Queensland
40 Under 40
Co-Founder, Ninja Allied Health
Founder, 10 Gen Wealth
The Story

Where wealth meets behaviour.

Amelia St Baker grew up inside one of Australia's most significant family wealth structures. She watched, from the inside, how ultra-high-net-worth families think, communicate, govern, and sometimes fracture. That vantage point became her life's work.

At twenty, Amelia was diagnosed with cancer. That confrontation with mortality, and the recalibration of what truly matters, became the lens through which she now sees everything: leadership, legacy, and why the work you build must outlast you.

An award-winning Occupational Therapist turned entrepreneur, Amelia co-founded Ninja Allied Health, growing it to 40+ staff in under two years and delivering over ten thousand hours of therapy, while committing more than a thousand hours of free care annually to people who can't access funding. In 2026, she acquired the Redlands Children's Therapy Centre, a multidisciplinary clinic supporting children and families across South East Queensland.

She completed her MBA at the University of Queensland as the youngest person ever admitted, was named in the InDaily 40 Under 40, and spent two years on the Queensland Government Innovation Advisory Council advising on innovation strategy and emerging technology.

Today, she works with a small number of ultra-high-net-worth families on the behavioural architecture that determines whether wealth survives across generations. She also teaches business to the health cohort at the University of Queensland, covering what most business schools never go near.

10K+
Therapy hours delivered in year one
40+
Staff built from zero
1K+
Free therapy hours donated annually
3rd
Generation is where most wealth ends
Keynote Speaking

Ideas that shift how wealth is understood.

Amelia speaks at a small number of carefully chosen events each year. Conferences, summits, and private gatherings where the conversation around wealth needs to go deeper than financial advice.

01

The 10 Generation Mindset

How ultra-wealthy families think on a completely different time horizon. The specific behaviours, rituals, and frameworks that create wealth which outlasts any single generation.

Wealth management · Family office · Entrepreneur events
02

Why Wealth Destroys Families (And How to Stop It)

A frank look at the patterns Amelia has witnessed firsthand. The unspoken rules, identity crises, and communication failures that silently erode family wealth by the third generation.

Private banking · Family governance · HNW forums
03

Building a Wealth Legacy from Zero

For those who are the first in their family to build significant wealth. The psychological shift required, the frameworks to install early, and how to become the ancestor your descendants will point to.

Entrepreneurship events · Women's wealth forums
04

Priming Your Subconscious: Your Key to Success

Amelia's TEDx talk brought to life. The science and lived experience behind reprogramming your subconscious for resilience, leadership, and sustained performance. Informed by her own journey through cancer at twenty and building from the ground up.

Leadership events · Health conferences · Universities
Enquire About a Keynote →
TEDx Talk

Priming Your Subconscious.

Amelia's TEDx talk explores the science and lived experience behind reprogramming your subconscious mind for success. Delivered with the authority of someone who has faced mortality and built from zero.

The talk that started the conversation. Watch it to understand the foundation beneath everything Amelia teaches about wealth, resilience, and the behaviour patterns that determine outcomes.

Priming your Subconscious: Your Key to Success — Amelia St Baker TEDx Talk
Watch on YouTube → TEDx Talk
The Problem

Generational wealth has a behaviour problem.

The data is unambiguous. Wealth doesn't fail because of bad investments. It fails because of unresolved family dynamics, unprepared heirs, and the absence of a behavioural architecture to hold it together. That's exactly what Amelia's work addresses.

70%
of family wealth is lost by the second generation
Williams Group research across 3,250 families. Breakdown attributed to family communication failure and lack of heir preparation, not financial mismanagement.
90%
of family wealth is gone by the third generation
The "shirtsleeves to shirtsleeves in three generations" pattern has been documented across cultures and centuries. Chinese, Irish, Scottish, Japanese — every culture has a name for the same phenomenon.
$84T
transferring between generations in the next 25 years
Cerulli Associates estimate of the Great Wealth Transfer underway globally. Without behavioural architecture in place, the majority of it will not survive intact.
Without Behavioural Architecture
90%
Of families lose their wealth within three generations. Communication breakdown, identity conflict, unprepared heirs, and unresolved tensions silently erode what took a lifetime to build.
With Amelia's Family Architecture Program
10+
Generations. A family with intentional governance, prepared heirs, and a Wealth Constitution has the frameworks to sustain and grow wealth far beyond the three-generation ceiling that claims most families.
The Platform

Discover 10 Gen Wealth.

Everything Amelia knows about how ultra-wealthy families build, protect, and pass on wealth. Distilled into assessments, frameworks, and a community built around a single belief: wealth is behaviour first.

Visit 10genwealth.com →
10 Gen Wealth Generational Wealth Education
Amelia St Baker