Our Zero-Based Approach Explained

Explore the practical framework underpinning our service. Every recommendation is shaped through transparent analysis and respect for your priorities.

Individual Review

Adapted to personal needs with one-on-one guidance.

Transparent Process

Emphasises openness and encourages active involvement.

Practical Implementation

Offers realistic, actionable next steps for every situation.

Meet Our Team

Dedicated, client-focused advisors

Rachel Warner financial advisor

Rachel Warner

Lead Advisor

1
Financial planning

Bachelor of Commerce University of Sydney

Coastal Advisory Partners

Key Skills

Client communication
Transparent analysis
Empathetic guidance

Methods

Zero-based budgeting ethics
Collaborative value mapping

Credentials

Certified Practising Accountant
Australian Securities & Investments Accreditation

Rachel brings a wealth of Australian market knowledge to each session, fostering a supportive and transparent discussion for every client.

Rachel's approach weaves together honest dialogue with careful market insight, ensuring recommendations are both achievable and guided by your unique values and situation.

Marcus Patel client advisor

Marcus Patel

Client Advisor

2
Resource allocation

Bachelor of Business Monash University

Urban Financial Solutions

Key Skills

Analytical thinking
Personalised service
Detail orientation

Methods

Stepwise approach to planning
Needs-based interview techniques

Credentials

Chartered Accountant Australia
Australian Financial Services Specialist

Marcus is known for patient, methodical guidance and an ability to clarify even complex financial scenarios with calm professionalism.

Marcus carefully explains each stage, helping clients build confidence in their decisions. His consistent support ensures a smooth experience from start to finish.

Annabelle Young senior reviewer

Annabelle Young

Senior Reviewer

3
Transparency in planning

Bachelor of Finance Queensland University

Harbour Value Group

Key Skills

Honest evaluation
Critical review
Structured feedback

Methods

Clear communication approach
Process transparency

Credentials

Australian Certified Financial Planner
Lead Auditor Risk Management

Annabelle offers practical perspectives grounded in years of experience, always ensuring you understand the reasoning behind every recommendation.

Annabelle balances direct feedback with empathy, prioritising your understanding so that you leave every session more confident and informed.

Jasper Li process specialist

Jasper Li

Process Specialist

4
Client journey mapping

Bachelor of Management University of Western Australia

Metro Advisory Hub

Key Skills

Organisation
Stepwise planning
Process design

Methods

Client-first planning
Structured interaction flow

Credentials

Australian Financial Services Certificate
Project Management Professional

Jasper ensures each process runs smoothly and clients are always aware of the next steps. Organisation and clarity are his defining strengths.

Jasper's thorough structure and reliable communication keep every project on track, making sure clients always feel prepared, informed, and at ease.

Our Process

1

Initial Discussion

We begin with open-ended questions about your habits, values, and priorities. This stage sets the foundation for personalising your plan.

2

Resource Review

Together, we analyse your current allocations. The focus is on understanding, not judgement, with every detail reviewed transparently.

3

Cooperative Planning

You engage directly in creating a plan that you feel reflects your needs. We provide guidance while respecting your autonomy.

4

Follow-Up Support

After implementation, our door stays open for feedback, clarification, and ongoing assistance to keep you on track.

Stepwise zero-based budgeting approach

How We Differ

A comparison of core service elements

Feature
ophalyntra
Others
Focus on individual priorities
Transparent process, no templates
Ongoing support available
Australian context expertise
Results may vary disclaimer