How Our Zero-Based Budgeting Method Works

Our approach gives you practical, actionable steps to build a spending plan uniquely yours. We work together to explore your priorities and clarify your values, ensuring every dollar speaks for you. You’ll receive reliable guidance on how to adapt choices over time and keep your plan aligned as life changes. This process is supportive, not restrictive, and rooted in understanding your real circumstances.

Ongoing Support

Check-ins, follow-ups, real guidance

Clarity And Simplicity

No jargon, just practical steps

Consultant explaining sophisticated budgeting

Meet Our Team

Professionals dedicated to your journey

Sarah Thompson

Sarah Thompson

Lead Consultant

Budgeting consultations

Degree

Master of Business Administration, Melbourne Business School

Sarah draws on 15 years of supporting Australians with value-aligned financial decisions in dynamic times.

Experience

Navitas Group - Financial Advisor
Southgate Partners - Consulting Specialist

Skills

Empathy Clarity Personalisation

Approach

Collaborative budgeting Values mapping

Certificates

Registered Financial Adviser
Certified Budget Analyst
James Lee

James Lee

Senior Advisor

Personalised advice

Degree

Bachelor of Commerce, University of Sydney

James helps clients bridge goals and everyday choices with practical, hands-on session insights and care.

Experience

Envision Solutions - Senior Consultant
Urban Pathways - Advisor

Skills

Listening Planning Guidance

Approach

Active listening Goal review

Certificates

Financial Planning Certification
Member, FAAA
Priya Desai

Priya Desai

Consultation Specialist

Life-stage adjustments

Degree

Diploma in Financial Services, TAFE New South Wales

Priya’s focus is client empowerment, helping individuals match resources with their changing values.

Experience

Vista Advisory - Client Consultant
Balance Path - Service Specialist

Skills

Detail Support Adaptability

Approach

Personal value assessment Adaptive planning

Certificates

Accredited Financial Paraplanner
Budgeting Specialist
David Nguyen

David Nguyen

Client Relationship Advisor

Consultation processes

Degree

Bachelor of Business, RMIT University

David ensures clear communication, so every client can make informed, transparent spending choices safely.

Experience

Integral Wealth - Consultation Analyst
MoneyPath Advisors - Client Support Lead

Skills

Transparency Reliability Communication

Approach

Structured sessions Progressive tracking

Certificates

Registered Consultant
Compliance and Ethics

Our Simple Consultation Process

A supported, structured approach designed for value-driven clarity at every step

1

Discovery And Values

You share what matters, and we listen closely to capture your priorities first.

A no-pressure session to understand your needs and clarify expectations.

2

Drafting Your Plan

Collaboratively, we assign roles to every dollar and set transparent categories together.

We avoid complex jargon and focus on practical outcomes.

3

Refinement & Review

Together, we examine each category and adjust for changing goals or circumstances.

Check-ins ensure your budget remains aligned to life changes.

4

Ongoing Support

Continued sessions to address questions and keep your plan relevant and useful.

You decide how often ongoing support makes sense for you.

Why Choose Our Service?

Discover differences in practical guidance and personal alignment

Key Features
Our difference
dravexiluna consultations
Personal, ongoing focus
Other services
Less tailored or static
Aligns With Your Values
Makes your spending reflect personal priorities.
Australian-Based Support
Local expertise for local clients every step.
Adaptive Plan Reviews
Ongoing updates based on life changes.
Simple, Clear Guidance
No jargon or complex tools needed.
Confidential Consultations
Your information remains secure always.
Total Features
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