Planning for What Actually Matters

Every money decision becomes easier when you know what you're working towards.

We started luntheraviq because too many people felt lost navigating their financial decisions. Not because they lacked intelligence, but because financial planning often feels disconnected from real life. We changed that.

Financial planning consultation meeting with documents and analysis

Our Beginning

Born from Frustration with Traditional Advice

Back in 2018, I sat across from a financial advisor who spent an hour talking about complex investment vehicles and tax structures. Great information, sure. But I'd come in asking how to save for a house deposit while keeping enough aside for my sister's wedding overseas.

That disconnect stuck with me. Financial planning shouldn't require a finance degree to understand your own life choices.

luntheraviq emerged from conversations with dozens of Australians who felt similarly confused. They didn't need another lecture about compound interest. They needed someone to help them figure out whether buying that investment property made sense when they also wanted to switch careers in three years.

What Guides Our Work

Context Over Theory

Your life circumstances matter more than textbook strategies. We build plans around your actual situation, not generic advice that works for everyone and no one.

Plain Language

Financial jargon creates unnecessary distance. We explain things the way you'd discuss them with a knowledgeable friend who respects your intelligence.

Milestone Thinking

Money exists to help you reach the moments that matter. We focus on those specific goals rather than abstract wealth accumulation.

How We Actually Work

Forget the standard three-meeting process that feels like jumping through hoops. Here's what happens when you work with us.

Financial documents and planning materials spread on desk during consultation

Tell Us What You're Trying to Do

We start by understanding your milestone. Buying a home? Career change? Starting a family? Retiring early? Each creates different planning needs.

Map Your Current Position

We look at where you are now without judgment. Income, expenses, existing savings, debts. Just honest assessment of your starting point.

Build the Bridge Between Them

This is where planning becomes practical. We create specific steps that connect where you are to where you want to be, accounting for your timeline and constraints.

Adjust as Life Changes

Plans exist to be modified. As your circumstances shift, we revisit and reshape the strategy to match your evolving reality.

Who You'll Work With

Small team, intentionally. This keeps conversations personal and ensures we actually know your situation.

Callum Fitzroy

Financial Planning Advisor

I spent seven years at major financial institutions before realizing the advice model was backwards. We were optimizing portfolios when people really needed help deciding whether to consolidate their super or keep building emergency savings.

Started luntheraviq in 2019 to focus exclusively on milestone planning. Turns out lots of people prefer straightforward guidance over complicated strategies they don't fully understand.

Outside work, I'm usually trail running around Port Macquarie or attempting to keep my vegetable garden alive through another summer.

"The best financial plan is one you'll actually follow. That means it needs to make sense for your life, not just look good on paper."

Let's Talk About Your Next Step

Whether you're six months or two years away from your milestone, earlier conversations tend to create more options. We're taking on new clients for autumn 2025.

Start a Conversation