Meet Our Financial Planning Team
Experienced professionals dedicated to helping Australian families master zero-based budgeting and achieve lasting financial stability through proven methods and personalized guidance.
Henrik Lindqvist
Henrik brings twelve years of experience helping Australian families transition from traditional budgeting to zero-based planning. He started his career at a major Sydney bank before founding his own practice in 2018.
His approach focuses on practical implementation rather than theory. "Most people know they should budget," he says, "but they get stuck on the mechanics. We break it down into manageable steps that actually work with real life."
Henrik specializes in working with families earning between $75,000 and $150,000 annually – the income range where zero-based budgeting typically shows the most dramatic results. His clients often discover they can redirect 15-20% more of their income toward savings without feeling restricted.
He holds a Bachelor of Commerce from UNSW and is a certified member of the Financial Planning Association of Australia.
Zero-Based Implementation
We guide clients through the complete transition from traditional budgeting methods to zero-based planning. This includes setting up tracking systems, establishing category priorities, and creating sustainable monthly routines that stick.
Debt Restructuring Strategy
Our team helps families reorganize existing debt using zero-based principles. This often reveals opportunities to accelerate payments by reallocating funds from less critical budget categories.
Emergency Fund Building
We work with clients to build robust emergency funds through strategic budget allocation. Most families can establish a three-month safety net within 8-12 months using our structured approach.
Long-term Wealth Planning
Beyond monthly budgeting, we help clients use zero-based principles for major financial goals like home purchases, education funding, and retirement planning with specific timelines and milestones.
Our Results-Focused Method
We've refined our approach based on working with over 800 Australian families since 2019. The average client sees a 23% improvement in monthly savings within six months of implementing our zero-based system.
Our method starts with a comprehensive income analysis, followed by expense categorization and priority ranking. We then build a custom zero-based framework that assigns every dollar a specific purpose before the month begins.
What sets us apart is our focus on behavioral sustainability. We've learned that technical perfection means nothing if clients abandon the system after three months. Our approach emphasizes gradual implementation and regular adjustment periods.
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Real-World Application
We believe financial planning should work with your actual lifestyle, not against it. That's why we spend significant time understanding how you currently manage money before suggesting any changes.
Our clients include teachers, tradspeople, healthcare workers, and small business owners across NSW and Victoria. Each brings different challenges, but zero-based budgeting principles adapt to virtually any income pattern or family structure.
The key is customization. A shift worker's budget looks completely different from a salaried professional's plan, even at the same income level. We account for irregular schedules, seasonal variations, and unexpected expenses that traditional budgeting methods often ignore.
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