Money Doesn't Have to Be Mysterious

Started in a spare bedroom back in 2019, we've helped over 2,800 Australians figure out where their money actually goes and what to do about it.

Based in Coffs Harbour, NSW

Our Beginning

Budget Planning That Actually Makes Sense

We started velorivane because traditional financial advice felt too formal and complicated. Most people just want to know if they can afford that holiday or whether they're saving enough. Simple questions shouldn't need complex answers.

Our approach strips away the jargon. Instead of talking about asset allocation percentages, we focus on practical questions like how much to set aside each week or whether your spending matches your priorities. It's the kind of financial conversation you'd have with a friend who happens to know a lot about money.

Since 2019, we've refined our methods through real-world testing with families, solo professionals, and small business owners across the NSW coast. The feedback shaped everything from our budget templates to how we explain envelope budgeting versus zero-based approaches.

Financial planning workspace with budget documents and calculator

How We Help People Take Control

Budget allocation isn't about restriction. It's about making deliberate choices so you don't wonder where your paycheck went each month.

Income Flow Analysis

We start by mapping where money comes in and goes out. Most people discover they're spending more on subscriptions and small purchases than they realized. Once you see the pattern, adjustments become obvious.

Priority-Based Allocation

After understanding current spending, we build a system around what matters to you. Whether it's saving for a house deposit, reducing debt, or having more flexibility for travel, your budget should reflect your actual goals.

Ongoing Adjustment Support

Life changes and budgets need to change with it. We provide frameworks and check-in strategies so you can adapt your allocation when income shifts, expenses increase, or priorities evolve without starting from scratch.

The People Behind velorivane

Our team brings practical experience from various financial backgrounds, united by a preference for clear communication over complicated strategies.

Henrik Thoresson

Financial Planning Director

Henrik spent twelve years at a major Sydney bank before relocating to Coffs Harbour in 2018. He founded velorivane after noticing how many people felt overwhelmed by basic budgeting decisions. His background in commercial lending gave him perspective on how small financial habits compound over time.

Callum Blackwood

Budget Strategy Advisor

Callum joined velorivane in 2021 after working in financial counseling for non-profits across regional NSW. He specializes in helping people recover from financial setbacks and build sustainable allocation systems that work with irregular income patterns common in seasonal industries.

From Struggle to System

Why Traditional Budgeting Often Fails

Before: Marcus came to us in early 2023 earning decent money but constantly stressed about bills. He tried multiple budgeting apps but abandoned each one within weeks. The problem wasn't his income or willpower.

The challenge was that generic percentage-based budgets didn't fit his reality. He had irregular overtime, quarterly bonuses, and expenses that clustered at certain times of year. Standard templates made him feel like he was failing.

After: We built an allocation system around his actual income patterns. Instead of monthly budgets, we used a rolling four-week average with buffer categories for variable expenses. Within six months, he had an emergency fund and stopped using his credit card for everyday purchases.

Budget planning strategy session with financial documents

Growth Through Real Experience

We've learned as much from our clients as they've learned from us. Each year brought new insights that changed how we approach budget planning.

2019

Foundation and First Clients

Henrik launched velorivane in August 2019 with a focus on one-on-one budget consultations. The first year involved a lot of coffee meetings and whiteboard sessions helping local families understand their cash flow patterns.

2021

Team Expansion and Method Refinement

Callum joined the team in March, bringing expertise in financial recovery situations. Together they developed the flexible allocation framework we still use today, designed specifically for people with variable income streams.

2023

Educational Program Launch

After numerous requests, we introduced structured learning programs in February 2023. The twelve-week course covers everything from emergency fund building to debt reduction strategies, with practical exercises based on real client scenarios.

2025

Regional Reach and Partnerships

We've partnered with several regional community centers to offer budget literacy workshops across NSW. Our next intake for comprehensive programs begins in October 2025, designed for anyone wanting deeper understanding of allocation strategies.

What Guides Our Work

These principles shape every client interaction and program we develop. They're not just words on a website, they're how we actually operate.

Clarity Over Complexity

Financial jargon creates barriers. We explain concepts in plain language and break down complicated topics into manageable pieces. If something sounds confusing, we'll rephrase it until it makes sense.

Practical Application

Theory means nothing without implementation. Every strategy we teach includes specific steps you can take this week. We focus on actionable changes that fit into real life rather than ideal scenarios that sound good but don't work.

No Judgment Approach

Everyone's financial situation is different and past mistakes don't define future potential. We start from where you are now and build forward without dwelling on what should have been done differently years ago.

Adaptable Systems

Rigid budgets break when life changes. We build flexible frameworks that adjust when income fluctuates, expenses shift, or priorities evolve. The goal is sustainable management, not perfect execution of a fixed plan.

Ready to Sort Out Your Budget?

Whether you're dealing with debt, planning for a major purchase, or just want better visibility into where your money goes, we can help you build a system that works.

Get In Touch