When Money Sits Idle, Opportunity Slips Away
Most businesses in Northern NSW hold budget surpluses without clear strategies. We help you understand what to do next—whether that's building reserves, planning expansion, or simply sleeping better at night.
Explore Our Program
Surplus Clarity
That extra cash in your accounts isn't just sitting there—it's waiting for direction. We walk you through practical allocation methods that match your actual business rhythm and goals.
Risk Buffering
Emergency funds sound boring until you need them. Learn how to calculate reserves that actually protect your operation without tying up capital unnecessarily.
Growth Timing
Expansion feels exciting, but timing matters more than enthusiasm. Our approach helps you recognize when surplus becomes genuine opportunity versus when patience serves you better.
Real Experience Behind Every Session
Our team has managed budgets through market shifts, unexpected downturns, and growth phases. These aren't theoretical lessons—they're patterns we've lived through ourselves.
Thorne Wickstead
Budget Strategy Lead
Freya Colquhoun
Financial Planning Advisor
Teaching What Actually Works
Both Thorne and Freya spent years advising regional businesses across Northern NSW. They've seen surplus funds handled brilliantly and catastrophically—and everything between.
Their sessions focus on decision frameworks, not formulas. You'll learn how to weigh options based on your specific circumstances rather than generic advice that sounds good but doesn't fit.
Classes start September 2025 with flexible evening and weekend options for working business owners.
How Our Approach Actually Works
Forget boring lectures about financial theory. Our sessions tackle real scenarios—the kind where you've got surplus cash but three competing priorities and no clear answer.
We start with your current situation. Then we map out decision pathways based on what matters to your business, not what some textbook suggests.
- Small group discussions with other Northern NSW business owners facing similar choices
- Scenario planning workshops where you test different allocation strategies
- Follow-up sessions three months later to review how decisions played out
- No sales pitches for investment products—just honest education
Ready to Make Your Surplus Work Smarter?
Our next program begins September 2025. Classes meet twice monthly over twelve weeks, with additional one-on-one guidance available if you need it.
