Financial Readiness Assessment
Comprehensive analysis of your current position and strategic pathways to informed decision-making in Australian markets
Explore Our ProcessBuilding Your Financial Foundation
Before diving into complex market analysis, we work with you to establish a clear picture of where you stand. Our assessment process has evolved over eight years of working with Australian businesses and investors.
Think of this as your financial health check. We examine cash flow patterns, debt structures, and investment capacity. But we also look at things many overlook — your risk tolerance, time horizons, and what keeps you up at night about money.
- Current asset and liability mapping with liquidity analysis
- Cash flow forecasting for next 18 months
- Risk capacity assessment based on personal circumstances
- Investment readiness evaluation and gap identification
What We Actually Measure
Our readiness framework examines specific indicators that matter for real-world financial decisions
Key Financial Ratios
Debt-to-income, emergency fund coverage, investment capacity, and liquidity ratios that paint the complete picture
Month Analysis Period
We track patterns across a full year cycle to account for seasonal variations and business cycles
Risk Scenarios
Conservative, moderate, and growth-focused pathways based on your specific situation and market conditions
Who Guides Your Assessment
Our team combines technical expertise with real-world experience in Australian financial markets and regulatory environments.
Kieran Blackwood
Senior Financial Analyst
Specializes in small business financial health and cash flow optimization. Previously with Westpac's commercial lending division.
Saskia Thornfield
Investment Strategy Advisor
Focuses on portfolio construction and risk assessment for individual investors. Former research analyst with Macquarie Group.
Ingrid Kavanagh
Market Research Director
Leads our industry analysis team with expertise in Australian equity markets and sector-specific investment opportunities.
Ready to Start Your Assessment?
Our next comprehensive assessment program begins in September 2025. Initial consultations are now available.
Schedule ConsultationCurrent Market Context for 2025
Understanding where we are in the economic cycle helps frame your assessment results. Interest rates, inflation trends, and regulatory changes all influence what constitutes "financial readiness" right now.
Interest Rate Environment
With RBA policy shifts expected through mid-2025, we factor current borrowing costs and projected changes into your assessment.
Property Market Dynamics
Regional variations across Australian property markets affect investment timing and portfolio allocation strategies.
Regulatory Updates
Recent APRA guidelines and tax policy changes influence optimal structures for different investment approaches.
Global Risk Factors
International market volatility and currency movements impact Australian asset allocation recommendations.