Building Financial Foundations for Australian Families
We understand that managing family finances isn't just about numbers—it's about creating security for the people you love most. Our approach combines practical strategies with real-world experience to help Australian families build lasting financial stability.
Start Your Financial Journey
Why Families Choose Our Approach
After working with hundreds of Australian families since 2020, we've learned what actually works. Here's what sets our financial guidance apart from traditional advisory services.
Family-First Planning
We start with your family's unique situation—school fees, mortgage pressures, or caring for aging parents. Every strategy is built around what matters most to your household, not generic financial products.
Transparent Fee Structure
No hidden commissions or product kickbacks. You pay a clear, upfront fee for advice that's genuinely in your best interest. We'll show you exactly where your money goes and why.
Real-World Experience
Our team has navigated Australia's changing financial landscape for over two decades. We've seen market crashes, interest rate swings, and policy changes—and we know how to adapt strategies accordingly.
Your Financial Journey Timeline
Initial Assessment (Month 1)
We dig deep into your current financial situation, goals, and concerns. This isn't a quick questionnaire—it's a comprehensive review that typically takes 2-3 sessions to get right.
Strategy Development (Months 2-3)
Based on your assessment, we create a customized financial plan. This includes debt management, investment strategies, insurance reviews, and tax optimization—all tailored to your family's needs.
Implementation (Months 4-6)
We guide you through putting your plan into action. This includes setting up accounts, restructuring loans, and making initial investments. We're with you every step of the way.
Ongoing Support (Beyond Month 6)
Your financial plan isn't set-and-forget. We provide regular check-ins, strategy adjustments, and support as your family circumstances change over time.
Questions We Hear Most Often
How is this different from my bank's financial planning?
Bank advisors typically focus on selling their institution's products. We're independent, which means we can recommend the best options from across the market—even if that means suggesting competitors' products.
What if we don't have much to invest yet?
Many of our clients start with debt management and budgeting strategies. Building wealth often begins with freeing up cash flow and creating good financial habits—not necessarily having a large investment portfolio.
How often do we need to meet?
Initially, we might meet monthly while setting up your plan. After that, most families find quarterly or semi-annual reviews work well, with additional contact as needed for major life changes.
Can you help with both personal and business finances?
Absolutely. Many Australian families have business interests, investment properties, or complex tax situations. We work closely with accountants and lawyers to ensure all aspects of your financial life work together.
Meet Your Financial Guide
Our senior financial planner brings over 15 years of experience working specifically with Australian families. He's seen the challenges you're facing and has practical strategies that actually work.
Declan Hartwell
Senior Financial Planner & Founder
Declan started sylvanorithume in 2018 after working for major financial institutions across Brisbane and Sydney. He noticed that most financial advice was one-size-fits-all, which rarely worked for busy families juggling mortgages, school costs, and retirement planning. His specialty is creating realistic financial strategies that actually fit into your daily life. When he's not working with clients, you'll find him coaching junior rugby in North Mackay.
Our Core Services
We focus on the financial areas that matter most to Australian families. No unnecessary complexity—just practical solutions that help you build wealth and protect what you've worked for.
Property Strategy
Whether you're buying your first home or considering investment property, we help you understand the real costs and benefits. This includes structuring loans, understanding tax implications, and timing your purchases.
Debt Management
We help you tackle credit cards, personal loans, and mortgage debt strategically. Often, restructuring existing debt can free up hundreds of dollars monthly for your family's other goals.
Insurance Review
Most families are either over-insured or under-protected. We review your life, disability, and income protection insurance to ensure you have the right coverage at the best price.