Your Financial Journey Partners

We're real people who understand that every family's financial story is different. Since 2018, we've been helping Australian families navigate their money decisions with practical advice and genuine care.

How We Started (And Why It Matters)

Back in 2017, Sarah was sitting at her kitchen table, calculator in hand, trying to figure out how to save for her kids' education while still putting money away for retirement. The financial advice she found online felt too generic, and the local advisors seemed focused on selling products rather than understanding her family's actual needs.

That frustration sparked an idea: what if financial planning could be personal, practical, and focused on real family life?

We launched zircalexon because Australian families deserve financial guidance that makes sense for their everyday lives. Not complicated investment jargon or one-size-fits-all solutions, but real conversations about real money decisions.

Family reviewing financial documents together at home

What Drives Us Every Day

These aren't just words on our website – they're the principles that guide every conversation we have with families.

Plain English Always

Financial planning shouldn't require a dictionary. We explain everything in terms that make sense around your dinner table, not a boardroom.

Your Goals, Your Way

Some families want to travel, others prioritize education savings, and many just want peace of mind. We build plans around what actually matters to you.

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Honest About Limitations

We'll tell you when something isn't right for your situation, even if it means less business for us. Trust is built on honesty, not sales pitches.

Education Over Persuasion

Our job is to help you understand your options, not pressure you into decisions. You make the choices – we provide the information and support.

The People Behind the Plans

We're parents, partners, and regular people who happen to be passionate about helping families manage money better. Here's who you'll work with.

Portrait of Helena Kowalski, Lead Financial Planner

Helena Kowalski

Lead Financial Planner

Mother of two teenagers who keeps us grounded in real-world family finances. Helena has 12 years of experience helping families balance competing priorities without breaking the budget.

Our Collective Experience

Between our team members, we have over 35 years of combined experience in financial planning, but more importantly, we're all navigating similar challenges in our own lives. We understand the stress of school fees, the juggle of work and family, and the worry about whether you're making the right financial decisions.

Our backgrounds span everything from traditional financial planning to behavioral economics, but what unites us is a genuine interest in helping families feel more confident about money. We regularly update our knowledge through continuing education, but our best insights often come from listening to the families we work with.

Retirement Planning
Education Funding
Investment Strategy
Insurance Review
Budget Optimization
Tax Planning
Team collaboration session reviewing family financial plans Financial planning resources and tools used by our team

Ready to Start a Conversation?

Every family's financial journey is unique, and we'd love to learn about yours. No sales pressure, no complicated jargon – just an honest conversation about where you are and where you want to go.

Get in Touch