What Actually Guides Us
These aren't poster slogans. They're the things we argue about in meetings and measure ourselves against when we review client feedback.
Clear Over Clever
If you need a finance degree to understand our explanations, we've failed. Last month a client told us our net worth breakdown helped her explain finances to her teenage kids. That's the standard we're after.
Reality Before Theory
Academic models are great until someone's dealing with uneven income or family obligations. We work with actual situations—the messy ones that don't fit textbook examples. Because that's real life in regional Australia.
Progress Not Perfection
Most people get stuck because they think they need a perfect plan before starting. We help clients take the next practical step, even if the full picture isn't sorted yet. Small improvements add up faster than grand plans that never happen.
How We Built This
Started with spreadsheets that we used for ourselves. Then we shared them with a few clients who were struggling to track their financial position. They asked if we could make it simpler. So we did. By 2022, we'd helped about forty families get clarity on their net worth. Word spread around Dubbo. Now we're handling clients across western New South Wales.
Our Approach
We break down finances into parts that make sense to regular people. Assets, liabilities, income patterns, spending reality. Not what the budgeting apps say you should spend—what you actually spend. Then we help you see where small changes might matter.
Why Dubbo Matters
Regional areas have different financial realities. Property markets work differently. Income can be seasonal. Community connections affect opportunities. We understand this because we live here too.
Who's Behind This
The person you'll work with if you reach out to us.
Sienna Kirkpatrick
Lead Financial Adviser
Spent twelve years in Sydney doing corporate finance before moving back home to Dubbo in 2018. Got sick of complicated financial products that nobody could explain properly. Now I help people understand their financial position without the jargon. I'm also raising two kids and dealing with the same money questions most families face—so I get it from both sides.
What Makes Us Different
Not unique—just focused on things that actually matter to clients.
We Don't Sell Products
No commissions, no affiliate arrangements, no pressure to use specific platforms. We help you understand your finances and make your own decisions. If you need specialist services like mortgages or insurance, we'll point you toward local professionals we trust.
Local Knowledge Counts
We understand western NSW economics. Drought years, good seasons, mining cycles, public sector employment patterns. Your financial planning should reflect where you actually live and work.
Plain Explanations
When we show you net worth calculations, you'll understand exactly what each number means and where it came from. No mysterious formulas or black-box algorithms. Just clear breakdowns you can verify yourself.
Real Availability
Email us and you'll get a response within a business day, usually sooner. Need to reschedule? No problem. Have a quick question? Just ask. We're here at the Orana Shopping Mall during business hours and responsive online outside those times.