We're Not Here to Sell You Miracles
Money decisions keep people awake at night. We get it because we've been there. zelintharva started in 2021 when a group of financial advisors got tired of watching people make expensive mistakes that could have been avoided with better information.
Our approach is simple. We teach you how to think through financial decisions, not what to think. There's no magic formula that works for everyone, and anyone who tells you otherwise is probably selling something you don't need.
How We Actually Help People
Financial advice often feels like someone's reading from a script. That's because most of it is. We built a system that adapts to your actual situation instead of forcing you into pre-made boxes.
Starting Out
You're earning money but not sure where it should go. Budget apps haven't worked. Savings feel impossible.
- Building your first emergency fund
- Understanding where money actually goes
- Setting up systems that don't require willpower
- Making debt work for you instead of against you
Growing Wealth
You've got some savings. Now what? Investment options feel overwhelming and every expert contradicts the last one.
- Property vs shares vs super contributions
- Tax strategies that actually matter
- Risk management without paranoia
- When to get professional help and when to DIY
Life Changes
Marriage, kids, career change, inheritance. Big life events mess with your financial plans and nobody prepares you for that.
- Adjusting financial plans when life doesn't cooperate
- Insurance decisions that matter (and ones that don't)
- Protecting assets without becoming paranoid
- Planning for different possible futures
Our Process With You
Your Situation
We start by understanding where you actually are, not where financial gurus think you should be.
Real Options
We map out choices that make sense for your circumstances, including the trade-offs.
Your Decision
You make the call. We provide information and perspective, not pressure.
Adjust & Learn
Plans change because life changes. We help you adapt instead of starting from scratch.
Why Financial Education Fails Most People
67% of Australians say they want to understand money better, but only 18% complete financial courses they start.
The problem isn't motivation. It's that most financial education treats everyone like they're training to be accountants. You don't need to understand every technical detail to make good decisions.
Think about driving a car. You don't need to know how the engine works to drive safely. But you do need to understand braking distance, road rules, and what that weird noise might mean. Financial decisions work the same way.
What Changed in 2025
Interest rates stabilized after three chaotic years. Property markets stopped their wild swings. Super contribution caps increased again. Every one of these changes affects real decisions people are making right now.
We updated our entire curriculum in March 2025 to reflect current conditions. Not because the fundamentals changed, but because the environment did. A strategy that made sense in 2023's low-rate environment needs adjustment when rates are higher.
Our autumn 2025 programs include specific modules on navigating the current environment. We'll run similar updates in 2026 as conditions continue evolving.
What We're Actually Good At
Everyone claims expertise. Here's what we can back up with real experience and genuine client outcomes.
Decision Frameworks
We've developed question-based systems that help you work through complex choices. Not flowcharts that treat you like a robot, but structured thinking tools that adapt to your situation.
Behavioral Finance
Understanding why we make bad money decisions matters more than knowing optimal strategies. We focus on building systems that work with human psychology instead of fighting it.
Australian Context
Super, negative gearing, CGT rules, franking credits. Australian tax and investment rules are unique and most international advice doesn't apply. We specialize in what actually matters here.
Practical Implementation
Theory is easy. Getting people to actually follow through is hard. We focus on making good financial habits as automatic and low-friction as possible.
Risk Assessment
Not "what's your risk tolerance" questionnaires. Real analysis of what you can afford to risk, what you need to protect, and how to think about uncertainty without paralyzing yourself.
Life Stage Transitions
Financial plans that work when you're single and renting fail when you have kids and a mortgage. We help people adapt their approach as circumstances change.
People Behind the Programs
Callum Devereux
Lead Financial Educator
I spent twelve years as a financial planner before realizing most people didn't need ongoing advice, they needed education. I'm better at teaching frameworks than managing portfolios anyway. Started with zelintharva in 2022 and rebuilt our curriculum from scratch based on what actually confused people most.
Sienna Oakridge
Behavioral Finance Specialist
Background in psychology and economics. Joined zelintharva in 2023 because I got tired of seeing people make predictable mistakes that behavioral research has understood for decades. My focus is building systems that work with how humans actually make decisions, not how economics textbooks think we should.
How We Think About Financial Education
Principles That Guide Everything We Do
Context Over Rules
The best financial decision depends on your situation. We teach you how to evaluate options for yourself rather than memorizing rules that might not apply to you.
Honest About Limitations
We don't have crystal balls. Neither does anyone else. We focus on building resilient strategies that work across different possible futures instead of pretending we can predict what's coming.
Implementation Focused
Knowledge without action doesn't help anyone. Our programs emphasize actually doing things, not just understanding concepts. Small consistent actions beat perfect plans that never get implemented.
Long-term Relationships
Financial education isn't a one-time event. We're here for questions that come up months or years later when you're facing actual decisions. Our autumn 2025 cohort will have access to support well into 2026 and beyond.
Ready to Make Better Financial Decisions?
Our next program starts in September 2025. We're keeping groups small so everyone gets individual attention when they need it. Or just get in touch if you have questions about whether this approach makes sense for your situation.