Building Financial Resilience That Actually Works
Our approach to contingency planning isn't about spreadsheets and predictions. It's about real conversations, honest assessments, and plans that flex with your life.
Most financial planning feels like filling out forms. Someone tells you what you should do based on numbers alone. But budgets exist in the real world—where kids need braces, cars break down, and opportunities show up unannounced.
We started myntherovexa in 2023 because we were tired of seeing people follow rigid plans that crumbled the moment life got messy. Our methodology evolved from working with actual families in Canberra who needed something more practical than textbook advice.
Elspeth Thorburn
Lead Financial Strategist
"I've watched too many families panic when unexpected expenses hit. Our method builds flexibility into every plan—because certainty is a myth, but preparedness isn't."
Linnea Wescott
Contingency Planning Specialist
"The best contingency plan is one you'll actually use. We design systems that make sense for how you really live, not how financial textbooks say you should."
Four Layers of Financial Protection
We don't believe in one-size-fits-all solutions. Each client gets a custom framework built around their specific situation, income patterns, and risk tolerance.
This takes time. Usually 8-12 weeks from first conversation to fully implemented plan. But rushing this process is how people end up with plans they abandon.
Reality Audit
We look at where money actually goes, not where you think it goes. Bank statements don't lie, and sometimes the patterns surprise people.
Risk Mapping
What could realistically go wrong in your situation? We identify the vulnerabilities specific to your income sources, family structure, and obligations.
Buffer Building
Creating your safety net without sacrificing everything you enjoy now. This is where most plans fail—they're too restrictive to maintain.
Ongoing Adjustment
Life changes, so your plan needs to adapt. We check in quarterly to make sure your contingency system still matches your reality.
Real Progress Takes Real Time
These are actual timelines from clients who've worked with us. Everyone's journey looks different, but patience and consistency show up in every success story.
The Restructure Phase
Thayne came to us in March 2024 with credit card debt and zero savings. Took six months of careful adjustment before he had a three-month buffer established. Now in 2025, he's consistently adding to that fund each month without feeling deprived.
Typical Duration: 4-8 Months
Building Confidence
The Kirwan family started working with us in September 2023. Their first real test came eight months in when their hot water system failed. Instead of panic, they had the funds ready. That moment changed how they viewed their whole financial situation.
Milestone Reached: 8-14 Months
Long-Term Adaptation
Rowena's been working with us since early 2022. Her income fluctuates seasonally, so we built a system that saves aggressively during high-earning months. Three years in, it's second nature. She doesn't think about it anymore—it just works.
Sustained Success: 18+ Months