Frequently asked questions

Yes. Whilst I predominately work with "millennials" I work with some customers that might be further along their wealth journey and maybe approaching or in retirement.

Yes. Everything is done online over Zoom, so I work with customers anywhere in Australia, and sometimes overseas depending on your circumstances.

I have a Bachelor of Commerce (Finance) from the University of Newcastle (2013) and a Master of Financial Services from the University of New England (2015). I've worked in financial services since 2013, starting at an accounting firm on the NSW Central Coast and then at firms in Sydney, working with everyone from retirees to young wealth builders on property, cash flow and big financial decisions. I started my own business in early 2019, and along the way built the modelling spreadsheet I use today, because the industry software was geared towards retirees rather than people building wealth.

I only get paid by my customers where all fees are fixed and agreed upon before any commitment.

See options. If there's an unusual situation requiring an unusual service I will let you know beforehand of any cost if there's value in us working together.

None from me beyond the fixed price we agree upfront. If you decide to act on anything, the providers or professionals you choose may charge their own fees. I don't receive anything from them.

No. The models and guidance are yours to act on however you choose. If you'd like help implementing anything, I can point you to professionals such as mortgage brokers, accountants or solicitors.

Sometimes. Many customers come back when they have another big decision to model, but my business doesn't centre around ongoing services.

Yours. I only get paid by my customers, at a fixed price agreed upfront, and I don't receive commissions or referral fees from anyone. I get paid the same whatever you decide, so I have no reason to steer you one way or another.

The main one is that I only get paid if you book a session with me. I don't receive commissions, referral fees or any other payments from product providers.

I don't receive anything from product providers, so I have no reason to favour any product. My main bias is towards data: I don't believe something unless I'm confident in the source and have checked the numbers myself. I'm also naturally cynical when something is being sold rather than bought, for example rural off-the-plan investment properties.

I model several scenarios side by side and explain the assumptions and trade-offs in each, so you can see what the numbers show.

No. I never hold, handle or invest client money.

Phone, Zoom, email, WhatsApp and sometimes Google Sheets when collaborating on models.

I will provide you with a form where you will answer several questions and upload any relevant documents as well as inviting you to a shared Google Drive. Any additional information will be collected in our communications.

I don't collect data I don't need. For data required to be collected and stored, I use Google Drive for my cloud storage and Microsoft BitLocker for my physical drive. I use Zoho Forms for my data collection, Zoho for my database and often Google Docs/Sheets or Microsoft Word/Excel. I've specifically chosen all of the tools I use with security and encryption in mind and avoid sending anything sensitive over emails whenever possible.

Just me at the moment :)

I'm 30. Birth certificate available on request ;)

I live in Stockholm, Sweden with my wife and son, after my wife's career brought us over here.

I provide strategic modelling and guidance on the big decisions you're weighing up, like renting vs buying, a property purchase or renovation, paying down your home loan, time out of the workforce, starting a business or returning from overseas. We work through the various levers you can pull, the pros and cons and risks of each, the things you might have missed and what's actually moving the needle. Everything is done online. I don't do personal product advice, tax returns, legal work, mortgage broking etc., but I'm happy to point you to people who do.

No. I used to be a financial adviser whose recommendations incorporated financial products, though I was always conservative about how much product advice was needed. There's no perfect portfolio, and this area has largely been "solved" for anyone willing to put in a bit of effort reading various sites and forums. With AI models like Claude and ChatGPT getting better and better, they'll usually give you the same general direction an objective adviser would. So I no longer offer advice in these areas. Instead, I focus on the bigger picture: the various levers you can pull, the pros and cons and risks of each, the things you might have missed and what's actually moving the needle.

I run the numbers on property purchases you're considering, but I don't advise on buying specific properties. If you're not confident buying a home or investment property, I can point you to buyers agents and talk through the pros and cons (generally cost) of using one.

No. I'm not a registered tax agent, so I don't prepare tax returns. Any tax figures in my models are estimates based on stated assumptions, which you can check with your accountant or tax agent.

Because I was never very good a tennis or cricket. And... I've always loved numbers, got mesmerised by compound interest in year 9 maths and my dad could have made better financial decisions to take advantage of his financial situation when I was growing up so love the idea of helping my customers make decisions he would have liked to have made with the benefit of hindsight.