Financial Planning Built on Real Conversations
We started verinoxaply in 2018 because we kept meeting business owners and families who felt lost in financial jargon. Every consultation sounded the same. Every advisor promised wealth but delivered spreadsheets nobody understood.
That frustrated us. Financial planning shouldn't feel like decoding a foreign language. It should feel like sitting down with someone who actually listens.
So we built a practice around clarity first. Numbers second. Because what good is a perfect portfolio if you don't know what it's doing or why it matters?
Why We Focus on Strategic Planning
Most financial advice stops at asset allocation. Pick some funds, rebalance yearly, hope for decent returns. That approach works fine until life happens.
Strategic planning means looking at your entire picture. Business transitions. Property decisions. Tax structures. Succession planning. Insurance gaps. These pieces connect in ways that basic portfolio management ignores.
Our clients come to us when they've outgrown simple advice. They need someone who can see how a business sale affects their personal tax position, or how transferring property impacts their estate plan.
Clients stay with us beyond five years
Families served across Sydney
Plain English Always
If we can't explain something in normal language, we don't recommend it. Complex products exist to benefit providers, not clients.
Long-Term Thinking
Quick wins make for good stories but terrible foundations. We plan in decades, not quarters. Your financial position should improve gradually and sustainably.
Honest Trade-Offs
Every financial decision involves compromise. We show you the real options and help you choose based on your priorities, not ours.
Who Actually Works With You
Small team. Deliberate choice. Everyone here has spent years in financial services and gotten tired of the usual way things work.
Sienna Kavanagh
Lead Financial Planner
Started her career at a major bank and left when she realized the incentive structure benefited the institution more than clients. Specializes in business succession and complex estate planning. Asks uncomfortable questions early so you avoid unpleasant surprises later.
Darcy Tremaine
Strategic Advisor
Came from corporate restructuring work where she saw too many families caught unprepared by business changes. Now focuses on helping clients think through scenarios before decisions need making. Known for explaining tax implications in ways that actually make sense.
How We Actually Work
First meeting is always exploratory. We need to understand where you are before suggesting where you might go. That means asking about more than just money.
From there, we build a plan that addresses immediate concerns while setting up longer-term structures. Implementation happens in stages because changing everything at once creates unnecessary disruption.
- Comprehensive situation review covering business, personal, and family considerations
- Strategic recommendations with clear reasoning and alternative approaches
- Staged implementation that fits your timeline and capacity
- Ongoing adjustments as circumstances change and opportunities emerge
How We Got Here
Building a financial planning practice that operates differently takes time. Here's the short version of our path.
Starting Small
Opened with twelve clients who were willing to try a different approach. Most came from referrals because they were frustrated with their current advisors. We spent those first months figuring out what actually helped versus what looked impressive but delivered little value.
Expanding Services
Added strategic business planning after multiple clients asked for help thinking through transitions. Brought in specialists who understood the intersection between personal wealth and business structures. Started focusing more on scenarios and contingency planning.
Refining Process
Streamlined our approach based on what clients found most valuable. Cut out services that looked good on paper but didn't deliver proportional benefit. Invested in better tools for scenario modeling and tax optimization. Doubled down on clear communication.
Current Focus
Working with established families and business owners who need coordinated planning across multiple areas. Helping clients prepare for major transitions while maintaining stability. Building relationships that last years because trust develops slowly and matters immensely.
