We Started With A Simple Question
Back in early 2019, a small group of us were sitting around a coffee shop in Coffs Harbour. Someone mentioned how their mate had just made a huge business decision based on nothing but gut feeling and optimism. It worked out, but barely.
That conversation stuck with us. Most business owners we knew were making financial choices without really seeing the full picture. Not because they lacked intelligence or drive, but because traditional planning tools were either too complex or too simplistic.
So we built something different. A way to model scenarios that actually reflects how business works in the real world. Where you can test ideas, see potential outcomes, and make informed choices without needing a finance degree.
Six years later, we're still here in Coffs Harbour. The team has grown, but that original question drives everything we do.
How We Actually Work
Financial modeling sounds technical, and honestly, parts of it are. But our approach centers on something straightforward: helping you understand what might happen before you commit resources.
We don't pretend to predict the future. Markets shift, circumstances change, and unexpected things happen. What we can do is help you explore different paths and see how various decisions might play out under different conditions.
Most of our clients come to us when they're facing a significant choice. Expanding into a new market. Taking on debt for growth. Restructuring operations. These aren't small decisions, and they deserve more than guesswork.
Clarity Over Complexity
We translate financial scenarios into language that makes sense. No jargon walls, no deliberately obscure explanations.
Realistic Expectations
We show you multiple outcomes based on different assumptions. The goal is informed decisions, not false certainty.
Your Context Matters
Industry conditions, cash flow patterns, risk tolerance. We build models around your actual situation.
Ongoing Support
Business conditions evolve. We're here when you need to revisit assumptions or explore new scenarios.
The People Behind The Models
Our team combines financial analysis experience with a genuine interest in how businesses actually operate. We've worked across manufacturing, retail, services, and tech sectors throughout Australia.
Darcy Kincaid
Senior Financial Strategist
Darcy joined us in 2021 after spending eight years in corporate finance across Sydney and Brisbane. He got tired of watching good business ideas fail because of poor financial planning. His background includes work with mid-sized manufacturers and service companies navigating growth phases.
What sets Darcy apart is his ability to spot the assumptions that really matter. Not every variable in a financial model carries equal weight, and he has an uncanny sense for which factors will actually influence outcomes.
Outside of work, he's usually somewhere on the coast with a surfboard. He claims the ocean helps him think through complex scenarios, though we suspect he just likes surfing.
Our Working Principles
We Listen First
Before building any model, we spend time understanding your business, industry, and specific situation. Template approaches rarely serve anyone well.
We Show Our Work
Every assumption, every calculation, every projection gets explained. You should understand how we arrived at any scenario we present.
We Adapt As Needed
Initial models often raise new questions or reveal factors we hadn't considered. We adjust our approach based on what you're learning.
We Stay Available
Questions come up after meetings end. We respond to emails, take calls, and make ourselves accessible when you need clarification.