The People Behind Your Financial Stability
Budget risk isn't just about numbers. It's about understanding what keeps business owners awake at night.
We've built our team around one simple idea—financial uncertainty affects real people making tough decisions every day. Our specialists bring practical experience from different corners of the finance world, and honestly, that variety matters more than we initially thought it would.
Meet The Core Team
Small enough to care about the details, experienced enough to spot problems before they become crises.
Declan Thorsby
Lead Risk Analyst
Spent eight years watching businesses struggle with cash flow forecasting before joining us in early 2023. He's the one who'll tell you when your budget assumptions don't match reality—but in a way that actually helps you fix things.
What Drives Our Work
- Straight Talk We don't sugarcoat budget gaps or pretend risks don't exist. Sometimes the conversation gets uncomfortable, but that's better than surprises later.
- Real-World Testing Every strategy we suggest has been through actual market conditions. We learned this the hard way—theory falls apart when economic conditions shift unexpectedly.
- Flexibility Matters Business rarely follows the plan. Our approaches build in room for adjustments without throwing everything off course.
- Local Context Australian market conditions differ from global trends. We factor in regional specifics because generic advice misses crucial details.
Where Experience Meets Practice
Our team brings together different perspectives from various finance sectors. That diversity shows up in how we approach budget risk—there's usually more than one way to solve a problem.
Scenario Modeling
We test your budget against different economic conditions. What happens if interest rates climb? What if a major client payment delays by sixty days?
Cash Flow Analysis
Revenue projections look great until you map out when money actually hits your account. We dig into timing because that's where most budget plans fall apart.
Risk Identification
Every budget has vulnerable points. We find them early—whether it's seasonal fluctuations, supplier dependencies, or market sensitivity.
Contingency Planning
Building backup plans that actually work when conditions change. Not theoretical exercises—practical steps you can implement quickly.
Monitoring Systems
Setting up tracking that catches problems while they're still manageable. Early warnings give you time to respond instead of react.
Adjustment Strategies
When reality diverges from projections, having clear paths forward matters. We help you recalibrate without losing sight of larger goals.
How We Actually Work With Clients
Initial Assessment
We review your current budget structure and identify where vulnerabilities exist. This typically takes a few days because rushing this part creates problems later.
Risk Mapping
Together we prioritize which risks need immediate attention and which can be monitored. Not everything requires urgent action, but knowing the difference matters.
Strategy Development
Creating practical responses that fit your operational reality. What works for a retail business might not suit a service company—context shapes the approach.
Implementation Support
Plans only help if they get executed. We stay involved during rollout because that's when unexpected complications surface.
Let's Talk About Your Budget Concerns
Whether you're dealing with forecast uncertainty or trying to build better risk buffers, we can probably help. Our next availability for new client conversations opens in August 2025.
Schedule a Conversation