People Who Actually Understand Financial Pressure

We've been in those budget meetings where everything feels uncertain. Our team brings real experience from working with Australian businesses facing genuine financial challenges.

Built from Real Business Experience

Back in 2019, our founding team sat in a small Canberra office wrestling with a problem we saw everywhere. Businesses had solid budgets—but when unexpected costs hit, panic followed.

We started myntherovexa because we'd lived through those moments ourselves. Equipment failures, supplier changes, regulatory shifts. The kind of stuff that keeps business owners awake at 3am.

These days, we work with businesses across the ACT and beyond. But our approach hasn't changed. We listen first, suggest practical options, and build contingency frameworks that actually make sense for how you operate.

Team collaboration during budget planning session

The People Behind Your Planning

Ingrid Paulsen

Financial Strategy Lead

Spent eight years in corporate finance before realizing most contingency plans sat in drawers unused. Now focuses on creating flexible frameworks that businesses actually implement when things go sideways.

Teodor Viklund

Risk Assessment Specialist

Former auditor who got tired of pointing out problems without offering solutions. Works with clients to identify realistic financial risks and build practical buffers that match their cash flow patterns.

Brenna Kirkwood

Implementation Coordinator

Helps translate contingency strategies into day-to-day business operations. Believes the best financial plans are ones that feel natural to use rather than adding extra complexity to your workflow.

Finding What Fits Your Situation

Different businesses need different approaches. Here's how we typically think through it:

Just starting to think about contingencies?

We usually begin with a straightforward assessment of where unexpected costs have hit you before. Then look at your current budget structure to see where flexibility already exists. Often there's more cushion than you realize—it's just scattered across different line items.

Already have a contingency fund but it feels inadequate?

Common situation. We'll review how that fund has performed during actual incidents. Sometimes the amount is fine but access is too slow. Other times the fund size is wrong for your risk profile. The methodology consultation can help recalibrate both the amount and structure.

Dealing with seasonal cash flow variations?

This changes everything about contingency planning. We focus on building buffers that account for your low-revenue periods and ensuring reserves don't get accidentally used during normal seasonal dips. Timing matters as much as amount.

Multiple cost centres or departments to protect?

Larger operations benefit from distributed contingency strategies. Rather than one big emergency fund, we often suggest department-level buffers plus a central reserve. Gives you faster response without constant approval bottlenecks.

Quick Insights from Our Work

Small things we've noticed that make a genuine difference

Review Quarterly, Not Annually

Your business changes faster than you think. We've seen contingency plans become outdated within months because revenue patterns shifted or new equipment got added. Quick quarterly check-ins keep your buffer relevant.

Document Your Trigger Points

Knowing when to tap contingency funds removes hesitation during actual crises. Write down specific scenarios where you'd use reserves. Makes decision-making faster when pressure hits.

Test Access Before You Need It

Sounds obvious, but many businesses discover their contingency fund has a three-day release process—right when they need money today. Test your access mechanism during calm periods.

Calculate Based on Impact, Not Fear

The goal isn't maximum possible reserves. It's having enough to handle realistic disruptions without crippling your operational budget. We help find that balance point specific to your situation.

How We Actually Work Together

Most engagements start with a conversation—not a sales pitch. You describe what keeps you concerned about budget stability. We ask questions about your operations, cash flow, and past financial surprises.

From there, we build a contingency framework that matches your business rhythm. Could be a simple percentage-based reserve. Might be scenario-specific funds for different risk types. Depends entirely on what you're facing.

Implementation happens at your pace. Some clients want everything set up within weeks. Others prefer gradual changes over a quarter as they build reserves naturally through operations.

See Our Planning Process