Turning values into a practical spending plan
Our zero-based budgeting process stands out by putting you and your priorities at the centre of every recommendation. Through personal consultations, we help you interpret resource allocation—not just through numbers, but through what’s truly important to you. This approach enables you to translate your values into daily decisions in a way that feels supportive, meaningful, and sustainable over time.
Ongoing partnership
Support each step of your journey.
Clear structure
Well-defined process and check-ins.
Meet the team guiding your decisions
James Turner
Senior Advisor
James brings extensive experience interpreting complex financial scenarios. He is known for his conversational approach, helping clients discover what aligns with their values rather than assigning one-size-fits-all advice.
Rebecca Smith
Lead Consultant
Rebecca’s analytical reviews and supportive guidance ensure every session is tailored. She focuses on clarity, supporting clients to find a sustainable and practical approach to everyday spending decisions.
Daniel Nguyen
Consultant
Daniel combines up-to-date analytical techniques with a friendly, approachable style. He’s committed to offering real support, focusing on resource allocation, not product promotion.
How your consultation unfolds
We follow a detailed process designed to give you clarity and confidence, tailored to your values and practical needs.
Initial discussion and priorities review
We begin with an open conversation, listening closely to your needs and the values that guide your decisions.
This empathetic approach is not scripted. Each session starts at your comfort level, making space for real challenges and opportunities.
Personalised analysis of allocations
Your financial reality is interpreted through comprehensive reviews, not rushed assumptions.
We examine how your current resource allocation relates to your priorities, offering constructive feedback without imposing targets.
Development of your practical spending plan
A tailored plan is created based on our discussions, providing a structure to align daily decisions with your intentions.
This plan serves as a living document, ready to evolve as your situation changes. It guides, but never restricts, your journey.
Follow-up and continuous support
Ongoing access to support means you are not navigating changes alone.
Check-ins offer space for reflection and adjustment, allowing the process to grow with your needs and life events.
How we compare
| Features | carvionara | Other advisors |
|---|---|---|
| Tailored analytical reviews | ||
| Personal values-focused plans | ||
| No product sales agenda | ||
| Clear, jargon-free communication | ||
| Ongoing client support |