Smart Family Financial Planning That Actually Works

We help Australian families navigate real money decisions without the confusing jargon. From school fees to weekend adventures, let's build a plan that fits your actual life.

Start Your Family Plan

How We Actually Plan Together

Forget those intimidating spreadsheets and one-size-fits-all advice. We start with your real situation and build something that makes sense for your family's unique rhythm.

1

Real Talk Session

We sit down and chat about what's actually happening with your money. No judgment, just honest conversation about where you're at and where you want to be.

2

Custom Strategy

We create a plan that works with your income, expenses, and goals. Whether it's saving for a house deposit or managing school costs, we make it practical.

3

Regular Check-ins

Life changes, and so should your financial plan. We catch up regularly to adjust things as your family grows and your priorities shift.

4

Ongoing Support

Got a question about a big purchase or unexpected expense? We're here to help you think it through without the sales pitch.

Areas We Focus On

Every family's money story is different. These are the common themes we see and help with most often.

School & Education Planning

From primary school fees to university costs, we help families plan for education expenses without breaking the budget. This includes private school fees, tutoring, extracurriculars, and higher education savings strategies.

Home Ownership Journey

Whether you're saving for your first home or considering an upgrade, we guide families through deposit strategies, borrowing capacity, and the real costs of homeownership beyond the mortgage.

Emergency Fund Building

Life throws curveballs – job changes, medical expenses, car repairs. We help families build realistic emergency funds that actually provide peace of mind without sacrificing current quality of life.

Retirement & Superannuation

Making sense of super while managing current family expenses. We help optimize contributions, choose appropriate investment options, and plan for retirement without neglecting today's needs.

What Families Tell Us

Real feedback from families who've worked with us to sort out their finances.

"Finally, someone who understood that we needed to balance saving for the kids' education with actually living today. The plan we created is realistic and doesn't make us feel guilty about family holidays."

Cressida Hawthorne
Mother of three, Melbourne

"We were drowning in conflicting advice about superannuation and home loans. kavoelinium helped us see the bigger picture and make decisions that actually made sense for our situation."

Bramble Richardson
Working parent, Sydney

Knowledge That Helps

We believe in sharing what we know. Financial literacy shouldn't be reserved for experts – these resources help families make informed decisions.

Monthly Insights

Regular updates on changes to super, tax, and family financial policies that might affect your planning. No fluff, just what you need to know.

Planning Tools

Simple calculators and worksheets to help you track progress and make informed decisions about major purchases and savings goals.

Ready to Get Your Family Finances Sorted?

Most families we work with wish they'd started sooner. There's no perfect time to begin, but there's definitely benefit in starting now rather than waiting for everything to be "ready".