We Help People Build Better Financial Futures
Since 2019, we've worked with Australian families and individuals who want practical guidance for their money decisions. No jargon. No pressure. Just honest conversations about what actually works.
Started Because Someone Needed Real Help
novarethiqo began when our founder helped a friend sort through a messy super situation. That conversation turned into three more. Then a dozen. People kept asking for advice that wasn't trying to sell them something.
We noticed a pattern. Most Australians don't need complicated investment strategies or wealth management. They need someone to explain superannuation rollovers in plain language. Help them figure out if they can afford that house deposit. Walk them through budgeting without making them feel judged.
So that's what we built. A practice focused on the financial planning steps that actually matter to regular people living in Western Sydney and beyond.
What Guides Our Work
These aren't motivational poster slogans. They're the principles we return to when making decisions about how we work with clients.
Clear Communication
Financial terms are confusing enough without us adding to it. We explain concepts using examples from real life. If you don't understand something, that's on us to fix.
No Hidden Agendas
We don't earn commissions on products. Our only job is helping you understand your options and make informed choices. Sometimes that means recommending you don't need our services.
Practical Over Perfect
The "ideal" financial plan on paper often fails in real life. We'd rather help you build habits that stick than create a strategy you'll abandon in three months.
Who Actually Does the Work
Financial planning can feel like you're talking to someone who speaks a different language. Our team includes former teachers, hospitality workers, and people who started their careers in completely unrelated fields.
That varied background means we're pretty good at translating financial concepts into terms that make sense. And we remember what it's like to feel overwhelmed by money decisions.
Our Approach to Learning
Everyone on our team completes ongoing education in financial planning fundamentals. Not because regulation requires it, but because tax laws change. Super rules shift. New financial products emerge.
We stay current so you don't have to become a financial expert yourself.
Briony Kealhofer
Briony spent eight years in education before transitioning to financial services. She specializes in explaining superannuation strategies to people who find their annual statements completely baffling.
Outside work, she's usually trying to keep her vegetable garden alive or hunting for decent coffee in Blacktown. She holds a Diploma of Financial Planning and completes continuing education through the Financial Planning Association of Australia.
How We Actually Work With Clients
Our process focuses on understanding your situation first, then building solutions that fit your life. Not the other way around.
Documentation You Can Understand
We create planning documents that explain decisions in plain language with concrete examples.
Collaborative Planning Sessions
You know your priorities better than we do. Our job is helping you organize and act on them.
Initial Conversations Are Free
First meeting is always complimentary. We discuss your situation, explain how we might help, and you decide if it makes sense to continue. No obligation. No sales pitch.
Fixed Pricing Structure
Before we start any work, you'll know exactly what it costs. We charge flat fees for planning work, not percentages of your assets or commissions on products.
Flexible Meeting Options
Some clients prefer in-person meetings at our Blacktown office. Others do everything via video calls. We accommodate what works for your schedule.
Ongoing Support Access
Financial questions don't only come up during scheduled meetings. Clients can reach us by email or phone when something urgent needs clarification.
Ready to Talk About Your Financial Planning?
Let's have a straightforward conversation about where you are financially and where you want to be. No pressure to commit to anything beyond that initial chat.
Schedule a Free Consultation