droxylavenir

Building your financial foundation, one milestone at a time

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Real Conversations About Money

We started droxylavenir in 2019 because financial planning felt too disconnected from everyday life. People needed help with actual decisions, not just spreadsheets.

How We Got Here

The honest truth? Most of us stumbled into financial planning through our own mistakes. I spent three years working in corporate finance before realizing that the advice people actually needed was completely different from what the industry was selling.

Traditional financial services felt like they were designed for people who already had money figured out. But most Australians were trying to decide between renovating their kitchen or keeping that emergency fund intact. Should they help their kids with university or top up super? Real questions with no easy answers.

In 2024, we worked with 340 clients navigating everything from first home purchases to inheritance decisions. Each situation reminded us why templated advice never quite fits.

Starting a business in Adelaide gave us perspective. The cost of living here is different from Sydney or Melbourne, but the financial stress is just as real. Your neighbor might be a teacher trying to buy a house while paying off HECS, or a tradie thinking about what happens if their back gives out before retirement.

Financial planning workspace showing real client scenarios

What Actually Trips People Up

The Timeline Problem

People often think they need to fix everything now. But spreading major financial decisions across five or ten years makes them way more achievable. Retirement planning at 35 looks completely different from planning at 55.

Competing Priorities

Should you pay off the mortgage faster or invest in shares? Help aging parents or secure your own retirement? These aren't math problems. They're value decisions that need context from your actual life.

Information Overload

There's too much financial advice out there, and most of it contradicts itself. One article says buy property, another screams index funds. Meanwhile, your situation might call for neither right now.

When someone sits down with us, we spend the first session just mapping out where they actually are. Not where they think they should be. That clarity alone changes how they approach decisions.

Client discussion about financial priorities and planning options

Who You'll Work With

Marcus Chen financial planner

Marcus Chen

Financial Planner

Spent fifteen years in banking before switching to independent planning. Mostly works with people in their 40s and 50s trying to figure out if early retirement is realistic or complete fantasy. Has strong opinions about offset accounts.

Rachael Bishop financial advisor

Rachael Bishop

Financial Advisor

Former accountant who got tired of only looking backwards at what already happened. Now helps clients think through major purchases and career changes before they happen. Known for asking uncomfortable but necessary questions.

We keep our team small on purpose. You'll work with the same person throughout your planning process, not get passed around between departments.

What's Changing in 2025

Financial planning is shifting whether the industry likes it or not. Younger Australians are dealing with completely different economics than their parents did. Housing affordability has fundamentally changed what financial milestones look like.

We're seeing more people who will inherit property but can't afford to keep it. Others are choosing contract work over permanent roles, which changes everything about income planning. Super still matters, but the timeline feels less certain.

Flexible Work = Flexible Income

More clients now have multiple income streams instead of one salary. Planning needs to account for variability, not just average annual income.

Property Decisions Getting Complex

Buying later, inheriting earlier, considering regional moves for affordability. The "buy a house, pay it off, retire" path isn't standard anymore.

Climate Risk in Planning

Insurance costs are changing where people can afford to live. We're having more conversations about location decisions based on long-term viability.

Modern financial planning considerations and Australian market trends

Start a Conversation

First meetings are about understanding your situation, not selling you anything. We'll spend an hour talking through where you are and what you're trying to figure out.

Address: 191 Pulteney St, Adelaide SA 5000
Phone: +61 3 9462 3692
Email: contact@droxylavenir.org
Get in Touch