Meet the People Behind Your Financial Success
Our team brings decades of combined experience helping Australian families and businesses build sustainable financial futures through practical budgeting strategies.
Recognition Built on Real Results
Since 2018, we've worked with over 2,400 clients across Queensland and New South Wales. Our approach isn't about quick fixes—it's about teaching people how money actually works in their daily lives.
- Featured in Queensland Financial Planning Association newsletter, March 2024
- Certified Financial Planning practitioners with ongoing education requirements
- Member of Financial Planning Association of Australia since 2019
- Completed advanced budgeting methodology training, Melbourne 2023
The lenthariox Team
We're not just advisers—we're people who've been through financial challenges ourselves. That experience shapes how we help others.
Declan Kowalski
Senior Budget StrategistDeclan spent fifteen years as a small business owner before transitioning to financial planning. He knows what it's like to juggle cash flow, unexpected expenses, and long-term goals. His clients appreciate his straightforward approach—no jargon, just practical advice that fits real life.
Certifications: Certified Financial Planner (CFP), Advanced Diploma of Financial Planning
With lenthariox since: 2019
Sienna Maguire
Family Finance SpecialistSienna specialises in helping families navigate major life transitions. Whether it's a new baby, career change, or planning for education costs, she helps people adjust their budgets without feeling overwhelmed. Her background in psychology helps her understand the emotional side of money decisions.
Certifications: Diploma of Financial Planning, Bachelor of Psychology
With lenthariox since: 2020
How We Work With You
Every situation is different. Here's how we help you find the right approach for your specific circumstances.
Understanding Your Current Situation
We start by looking at where you are right now. Not where you think you should be, but the actual reality of your income, expenses, and financial obligations.
- What does your typical month look like financially?
- Where does the stress come from?
- What's worked for you in the past?
Identifying What Matters Most
Everyone has different priorities. Some people want to eliminate debt. Others want to save for a home or build an emergency fund. We help you figure out what makes sense for your life, not someone else's template.
- What keeps you up at night financially?
- What would make the biggest difference in your day-to-day life?
- What are you working toward in the next year? Five years?
Building a Realistic Plan
This is where we create something you can actually follow. We've seen too many budgets that look perfect on paper but fall apart by week two. Your plan needs to fit your lifestyle, your habits, and your actual spending patterns.
- What budget systems have you tried before?
- How much flexibility do you need?
- What tools or apps work best for you?
Ongoing Support and Adjustments
Life changes. Your budget should too. We check in regularly to see how things are going and make adjustments when needed. Maybe you got a raise, had an unexpected expense, or your priorities shifted. That's normal, and we're here to help you adapt.
- What's working well so far?
- Where are you struggling?
- What's changed since we last talked?
Ready to Start the Conversation?
Book a free initial consultation to discuss your situation. No pressure, no sales pitch—just an honest conversation about your options.
Get in Touch