Built on Real Experience, Focused on Your Success
We started zexorinavalo because too many Australians were struggling with money decisions that could have been straightforward. Our approach combines decades of hands-on financial experience with practical education that actually works in the real world.
How We Got Here
Back in 2019, I was working with clients who kept asking the same questions about budgeting, investing, and managing debt. The problem wasn't that good financial advice didn't exist – it was that most of it came in academic packages that didn't connect with how people actually live.
After helping a single mum in Bankstown turn around her family's finances in six months, I realized something important. She didn't need complex investment strategies or corporate finance theory. She needed practical tools and someone who understood that real financial decisions happen at kitchen tables, not in boardrooms.
That insight changed everything. We started building education programs around real situations – the kind our clients face every day. Housing decisions, career transitions, planning for kids' education, or figuring out retirement on a teacher's salary.
Six years later, we're still having those kitchen table conversations. The difference is we've learned how to help people build confidence with money in ways that stick.
What Drives Our Work
Every decision we make comes back to helping Australians feel more confident about money. These principles guide how we design programs, work with clients, and measure success.
Real-World Focus
We teach strategies that work with Australian salaries, housing costs, and tax systems. No generic advice or overseas examples that don't apply here.
Honest Conversations
Money decisions are personal. We create space for questions without judgment and acknowledge when situations are genuinely complex or challenging.
Gradual Progress
Financial confidence builds over time through consistent small wins. We help people establish systems that grow stronger with practice, not quick fixes that fall apart.
Australian Context
From superannuation to negative gearing, our programs address the specific opportunities and challenges of building wealth in Australia's unique financial landscape.
Petra Lindberg
Lead Financial Educator
Meet Our Lead Educator
The best financial education happens when people can see themselves in the examples. I spend a lot of time making sure our programs reflect the real decisions Australians face, not textbook scenarios.
Petra joined our team in early 2022 after spending eight years as a financial counselor in western Sydney. She brings deep experience helping families navigate everything from mortgage stress to career changes. Her approach focuses on building practical skills that people can use immediately, whether they're dealing with unexpected expenses or planning major purchases.
What sets Petra apart is her ability to explain complex financial concepts through real examples. She's particularly skilled at helping people understand how different money decisions connect – like how improving your credit score affects housing options, or why emergency funds change how you can approach career risks.
Our Evolution
Each year has brought new insights about how Australians learn best about money. Here's how our approach has developed.
Foundation Year
Started with one-on-one consultations in Oatley, focusing on practical budgeting and debt management for local families. Learned that most people needed confidence-building as much as technical knowledge.
Program Development
Developed our first structured learning program after realizing clients were asking similar questions. Focused on housing decisions, superannuation optimization, and emergency fund strategies specific to Australian conditions.
Regional Expansion
Extended programs to reach regional communities across NSW and Victoria. Adapted content to address different employment patterns and housing markets outside major cities.
Comprehensive Education
Now offering year-long learning programs that combine group workshops with individual guidance. Our approach helps people build lasting financial skills through supported practice and peer learning.
Ready to Build Your Financial Confidence?
Our next comprehensive program starts in August 2025. We'll work together for twelve months to build practical money management skills that fit your actual life and goals.
