Financial Planning Built for Real Businesses
We started paxiuranerio in 2019 because businesses were struggling with financial calendar management. Not because they lacked ambition, but because the tools available felt disconnected from how people actually work.
Started From One Simple Question
Back in early 2019, we noticed something odd. Businesses would spend weeks creating perfect annual budgets, then struggle to maintain them throughout the year. The disconnect wasn't about financial knowledge—it was about timing and visibility.
So we built something different. A financial calendar system that actually reflects how business months unfold. With seasonal variations, payment cycles, and those unexpected expenses that always seem to appear at the worst time.
We've worked with over 200 Australian businesses since then. Some are single-person operations juggling multiple revenue streams. Others are established firms with complex quarterly reporting needs. Each one taught us something new about what genuinely helps.
What Guides Our Work
These aren't aspirational values we put on a wall. They're the principles we return to when making decisions about product direction and client support.
Practical First
We test every feature with actual business scenarios before releasing it. If something looks impressive but doesn't solve a real problem, it doesn't make the cut.
Clear Communication
Financial planning has enough complexity without adding jargon. We explain concepts in plain language and answer questions without making anyone feel rushed or uninformed.
Steady Progress
Big transformations happen through consistent small improvements. We focus on helping businesses build sustainable financial habits rather than promising overnight changes.
How We Actually Work With Clients
Most financial planning services start with your past performance and project forward. We found that approach misses something crucial—the rhythm of your specific business throughout the year.
Instead, we begin by mapping your actual cash flow patterns over a complete cycle. When do invoices typically get paid? Which months see higher expenses? Are there seasonal variations in revenue that need accounting for?
- Review your current financial calendar structure and identify gaps or pressure points
- Build a realistic scheduling framework that accounts for your business patterns
- Set up monitoring systems that alert you to variances before they become problems
- Adjust the plan quarterly based on what actually happened versus projections
This process typically takes three months to establish properly. Some businesses see improved cash flow visibility within the first month, though building truly reliable forecasting usually takes a full business quarter.
Who You'll Work With
Our team brings different backgrounds to financial planning. That variety helps us spot solutions that purely finance-focused consultants might miss.
Margot Kellaway
Financial Planning Consultant
Spent eight years in retail operations before moving to financial consulting. That background means she understands seasonal business patterns and inventory timing in ways that purely theoretical planning misses.
Tavish Brindle
Client Success Manager
Manages client relationships and implementation support. Former project manager who got tired of watching good financial plans fail because nobody thought about the actual execution timeline.