How Our Consultation Approach Works
We provide independent guidance using zero-based budgeting principles, carefully adapted to the Australian context. Each consultation is structured to focus on your needs and values, with no emphasis on product sales or commissions. Our simple process helps you clarify resource allocation, review your spending, and consider your goals, so you always make informed, confident decisions. Results may vary, and we encourage ongoing questions and feedback to ensure continuous progress.
Meet Our Team
Experienced professionals dedicated to your financial clarity
Louise Carter
Lead Consultant
Area
Zero-based budgeting
Skills
Louise applies over 12 years of experience helping clients align their budgets with their core values in practical, approachable ways.
Samuel Lee
Senior Advisor
Area
Independent recommendations
Skills
Samuel’s practical advice and unbiased feedback empower individuals and families to make grounded, confident financial decisions.
Priya Rajan
Client Liaison
Area
Client communication
Skills
Priya bridges client questions and our advisory team, ensuring every consultation is personalised and responsive.
James Forster
Analyst
Area
Financial analysis
Skills
James brings a sharp analytical eye to every session, supporting clients as they adopt zero-based budgeting in practical steps.
Our Consultation Process Explained
We make adopting zero-based budgeting straightforward, breaking down each session into simple, manageable steps tailored to your individual situation and values.
Initial Needs and Values Assessment
Review of Current Expenditures
Creation of a Zero-Based Budget
Independent Feedback and Refinement
Continued Support and Adjustment
Why Our Consultation Approach Stands Out
A clear comparison between our method and conventional budgeting guidance
Our focus on individual consultation and values-based advice distinguishes us from standard approaches in the Australian financial advice landscape.
Velonamora Consultations
Personalised, independent, value-aligned guidance
Standard Budgets
Generic, template-based, often product-led
Personalisation Level
Advice unique to your priorities
Independence
No promotion of financial products
Clarity of Process
Simple, step-by-step approach
Continued Support
Ongoing access to advice