Our Consultation Methodology: Clear, Structured, and Client-Focused
At janovaruthen, we have developed a structured consultation methodology refined through years of working with Australian clients. Our approach emphasizes education, clarity, and practical application rather than complex financial jargon or overwhelming information. Each consultation phase builds upon previous discussions, creating a comprehensive understanding of your financial situation and pathways forward. Results may vary based on individual circumstances and implementation consistency.
Michael Thompson
Lead Financial Planning Consultant
Meet Our Team
Experienced consultants dedicated to your financial clarity
Michael Thompson
Lead Financial Consultant
Bachelor of Commerce in Finance University of Melbourne
20 years "Personal budgeting and planning"
Commonwealth Bank, HSBC Australia
Conducted over 500 individual consultations
Developed proprietary budgeting frameworks
Client satisfaction rating above 94%
Michael brings over two decades of experience helping Australians navigate personal finance decisions. His approach emphasizes practical strategies and clear communication.
Jennifer Wu
Senior Planning Consultant
Master of Financial Planning Macquarie University
12 years "Savings strategies and planning"
ANZ Bank, Westpac Group
Assisted 400+ clients with planning
Specialized in irregular income budgeting
Published financial planning articles
Jennifer specializes in helping clients develop realistic savings strategies and achieve financial goal clarity through structured consultation sessions tailored to individual circumstances.
David Robertson
Financial Planning Consultant
Bachelor of Business Administration Queensland University of Technology
15 years "Financial education and guidance"
NAB, Suncorp Financial Services
Completed 350+ consultation sessions
Developed beginner-friendly planning tools
High client retention rate
Community financial literacy workshops
David focuses on simplifying complex financial concepts for clients new to structured planning. His patient, educational approach helps clients build confidence in financial decision-making.
Priya Sharma
Planning Consultant
Bachelor of Finance and Economics University of Sydney
8 years "Budget optimization techniques"
AMP Financial Services
Conducted 250+ personalized consultations
Specialized in multicultural client needs
Financial planning certification holder
Priya brings a detail-oriented approach to financial consultations, helping clients understand nuances of budgeting and savings within the Australian regulatory context.
Our Structured Consultation Process
A comprehensive, step-by-step approach to financial planning consultations designed to provide clarity, direction, and actionable guidance tailored to your unique circumstances as an Australian resident
Initial Discovery Consultation
The discovery phase establishes foundation for all subsequent consultations. We focus on understanding your current financial position, concerns, goals, and expectations from the consultation process.
Objective
Gather comprehensive information about your financial situation, identify immediate concerns, and establish clear consultation objectives
Our Actions
Conduct detailed interview covering income sources, regular obligations, existing savings, debts, financial goals, and concerns. We review documentation you provide and ask clarifying questions to ensure complete understanding. This session is complimentary and establishes whether our consultation approach suits your needs.
Methodology
Through structured conversation, we create a confidential financial snapshot. We use active listening techniques, ask open-ended questions, and ensure you feel comfortable sharing sensitive information. The session is conversational rather than interrogational, creating a collaborative atmosphere. We explain what information helps us most and why it matters.
Resources Used
Financial intake questionnaire, confidential documentation review checklist, goal prioritization framework
Expected Outcomes
Comprehensive financial overview document summarizing your situation, initial observations, and proposed consultation roadmap
Financial Analysis and Options Exploration
After initial discovery, we analyze information gathered and research approaches suitable for your circumstances. This phase involves detailed examination of your financial patterns and identification of relevant strategies.
Objective
Identify patterns, opportunities, and challenges within your financial situation while researching approaches aligned with your goals and risk tolerance
Our Actions
Analyze income and spending patterns, assess current savings rate, identify areas of concern or opportunity, and research strategies applicable to your situation. We examine Australian regulatory considerations relevant to your circumstances and prepare preliminary recommendations for discussion.
Methodology
Using analytical frameworks and financial planning tools, we systematically review your financial data. We benchmark against typical patterns, identify anomalies or concerns, and evaluate feasibility of various approaches given your income, obligations, and goals. Analysis is thorough yet practical, focusing on implementable insights rather than theoretical concepts.
Resources Used
Budgeting analysis software, savings projection calculators, goal timeline modeling tools, Australian financial regulation databases
Expected Outcomes
Detailed analysis report, options comparison document, preliminary strategy recommendations with pros and cons clearly outlined
Strategy Development Session
In this consultation, we present findings from analysis phase and collaboratively develop personalized financial planning strategies. This is typically the most substantive consultation session.
Objective
Create customized financial planning approach incorporating budgeting methods, savings strategies, and goal-oriented action steps tailored to your situation
Our Actions
Present analysis findings, explain identified opportunities and challenges, discuss various strategic approaches, and answer questions. We work together to select strategies that align with your comfort level, lifestyle, and goals. We prioritize actions, establish realistic timelines, and create implementation framework.
Methodology
Through interactive discussion, we explain options in plain language, comparing advantages and disadvantages of different approaches. We encourage questions and ensure you understand rationale behind recommendations. The session is collaborative, with your input shaping final strategy. We acknowledge limitations and uncertainties, emphasizing that results may vary based on implementation and external factors.
Resources Used
Strategy presentation materials, interactive budgeting worksheets, goal tracking templates, implementation planning documents
Expected Outcomes
Personalized financial planning strategy document, prioritized action plan, implementation timeline, resource recommendations
Implementation Guidance and Setup
With strategy established, we provide practical guidance on implementing recommended approaches. This phase focuses on overcoming common obstacles and establishing systems that support consistent execution.
Objective
Ensure you have clarity, tools, and confidence needed to implement financial planning strategies discussed in previous sessions
Our Actions
Walk through step-by-step implementation process for each strategy component. We address practical questions, troubleshoot potential obstacles, and help establish tracking systems. We provide templates, tools, and resources that simplify ongoing management of your financial planning approach.
Methodology
Through hands-on guidance, we demonstrate how to use recommended tools, establish routines, and track progress. We discuss common challenges clients face during implementation and strategies for maintaining consistency. The focus is practical application rather than theoretical understanding, ensuring you leave with clear next steps.
Resources Used
Budgeting templates, expense tracking apps guidance, automated savings setup instructions, goal progress tracking spreadsheets
Expected Outcomes
Implementation guide with step-by-step instructions, customized tracking tools, resource list, troubleshooting tips document
Progress Review and Adjustment Session
After implementation period, we reconvene to review progress, address challenges, and adjust strategies as needed. Financial planning is iterative, and this phase ensures your approach evolves appropriately.
Objective
Assess implementation progress, identify what works and what needs adjustment, refine strategies based on real-world experience
Our Actions
Review progress since previous session, discuss challenges encountered, celebrate successes achieved, and adjust strategies where implementation revealed issues. We examine whether original assumptions held true and modify approach based on your experience. This session acknowledges that theory and practice sometimes differ.
Methodology
Through candid conversation about implementation experience, we identify friction points and successes. We adjust strategies to better fit your reality, simplify overly complex approaches, or increase challenge where you find current targets too easy. The session is judgment-free, recognizing that circumstances change and perfect implementation is unrealistic.
Resources Used
Progress tracking analysis, strategy adjustment framework, obstacle identification questionnaire, refined implementation plans
Expected Outcomes
Updated strategy document reflecting adjustments, revised action plan, progress summary report, next steps outline
Ongoing Support and Check-Ins
Financial planning is not one-time event. We offer periodic check-in consultations to ensure your strategies remain aligned with evolving circumstances and goals.
Objective
Provide continuing support as circumstances change, answer questions that arise during implementation, maintain accountability
Our Actions
Conduct scheduled or as-needed consultations addressing questions, challenges, or changing circumstances. We help you adapt strategies when life changes occur, provide motivation during difficult periods, and celebrate milestones achieved. These sessions maintain connection and ensure you never feel abandoned after initial consultations.
Methodology
Through flexible scheduling, we offer brief check-in consultations via phone, video, or in-person meetings. Sessions are less formal than initial consultations, focusing on specific issues or questions. We maintain records of your strategy and progress, allowing seamless continuation even if time passes between sessions.
Resources Used
Progress review templates, updated goal tracking documents, strategy modification frameworks, communication platforms for between-session questions
Expected Outcomes
Session notes, updated documentation as needed, ongoing resource recommendations, accountability support
How We Compare
Understanding what makes janovaruthen consultations different from other financial planning options available to Australians
janovaruthen
Personalized consultation-focused financial planning
Free Initial Consultation
Complimentary discovery session with no obligation
Personalized Human Guidance
Direct consultation with experienced professionals
Educational Focus
Emphasis on understanding concepts not directing actions
Australian Regulatory Knowledge
Expertise in local financial regulations
Traditional Advisors
Portfolio management and advice services
Free Initial Consultation
Complimentary discovery session with no obligation
Personalized Human Guidance
Direct consultation with experienced professionals
Educational Focus
Emphasis on understanding concepts not directing actions
Australian Regulatory Knowledge
Expertise in local financial regulations
Online Tools
Automated budgeting applications
Free Initial Consultation
Complimentary discovery session with no obligation
Personalized Human Guidance
Direct consultation with experienced professionals
Educational Focus
Emphasis on understanding concepts not directing actions
Australian Regulatory Knowledge
Expertise in local financial regulations