People Who Actually Know What They're Talking About
We're not here to sell you dreams. Budget contingency planning sounds boring until you need it — and then it's the only thing standing between your business and serious trouble.
Our team has spent years working with Australian businesses that faced everything from supply chain disasters to market crashes. We've seen what works and what's just noise. More importantly, we know how to prepare you for the stuff nobody wants to think about until it's too late.
What We Actually Do
How We Think About This
Most financial planning assumes things will go more or less according to plan. We assume they won't — because they usually don't.
A good contingency plan isn't about predicting the future. It's about building flexibility into your operations so you can adapt when circumstances change. And they will change.
We've worked with retailers who survived rent hikes, service businesses that weathered client losses, and manufacturers who navigated supply shortages. The ones who made it through had buffer systems in place before they needed them.
Who's Actually Doing The Work
Finnegan Oakesby
Senior Financial Strategist
Finnegan spent twelve years helping mid-sized Australian businesses survive economic downturns. He's not interested in theoretical models — he wants to know what actually protects your cash flow when things go sideways. Before joining thalunoriva, he worked with manufacturing and retail clients navigating the 2020 disruptions. That experience shapes how he approaches every contingency plan today.
Saskia Lindquist
Risk Analysis Specialist
Saskia's background is in operational risk for hospitality and service businesses across NSW. She's seen everything from sudden closures to regulatory changes that wiped out business models overnight. Her approach focuses on identifying the specific vulnerabilities in your operations — not generic risks that sound scary but don't actually apply to you. She's particularly good at spotting the problems people don't see coming.
How We Build Your Safety Net
Understand Your Business
We start by figuring out how your business actually operates. What drives revenue? Where do costs fluctuate? What would hurt most if it went wrong?
Map Real Risks
Then we identify specific vulnerabilities. Not abstract scenarios — actual things that could realistically impact your operations based on your industry and location.
Build Buffer Strategies
We design practical reserve systems and response protocols. What funds do you need accessible? What expenses can you reduce quickly? What relationships do you need to maintain?
Test and Adjust
Finally, we stress-test the plan against realistic scenarios and refine it based on what we find. A plan that looks good on paper might have gaps in practice.
Why This Actually Matters
Three principles that guide everything we do with our clients
Honesty Over Optimism
We'd rather prepare you for realistic challenges than make you feel good with rosy projections. Hope isn't a strategy, and pretending problems don't exist doesn't make them go away.
Practical Over Perfect
A decent plan you'll actually use beats a brilliant plan that sits in a drawer. We focus on building systems you can implement with your current resources and capacity.
Specific Over Generic
Cookie-cutter advice doesn't work because every business faces different risks. We tailor strategies to your actual situation — your industry, your location, your specific operations.
If you're tired of financial advice that sounds great but doesn't actually prepare you for reality, we should talk. Our Sydney team works with businesses across Australia, and we're taking new clients through October 2025.
Get In Touch