Our Step-by-Step Approach to Value-Based Spending
Experience a guided process that respects your unique values, provides clear structure, and supports sound financial decisions. The service is led by consultants experienced in personal analytics and supportive guidance.
Erin Walsh
Lead Values Consultant
Meet Our Team
Experts focused on value-driven financial clarity
Erin Walsh
Lead Values Consultant
Bachelor of Business Analysis University of Sydney
Value-based guidance
Equity Financial Group
With a background in personal analytics, Erin tailors recommendations to help clients gain spending clarity and confidence.
David Grant
Senior Spending Analyst
Master of Applied Finance UNSW Sydney
Personal analytics
Insightful Advisory
David combines analytical detail with practical insight, guiding clients to see how their financial actions reflect their priorities.
Jasmine Li
Consultation Specialist
Bachelor of Commerce Monash University
Consultations
Positive Pathway Advisors
Jasmine builds supportive client relationships, making the process collaborative and individually tailored for every session.
Tom Reid
Review Facilitator
Diploma in Business TAFE NSW
Spending reviews
Progressive Approaches
Tom ensures structured reviews, helping clients maintain clarity and progress as their needs evolve over time.
Discover Our Methodology in Detail
Our process ensures that your financial choices truly reflect your values, providing structured support and expert analysis from start to finish. Every step is collaborative, respectful, and contextualised for your unique preferences.
Clarifying Core Values and Priorities
We begin by helping you articulate your core financial values and establish clear, actionable priorities that will shape every consult.
Our Shared Goals
Create a foundation based on your personal values and goals.
Our Role
Through open discussion and exploratory questions, we collaborate to uncover the principles that should guide your spending choices. This phase informs the rest of your financial journey and builds mutual understanding between you and your advisor.
Our Approach
We facilitate thoughtful conversations and exercises designed to surface and prioritise the beliefs influencing your financial life.
Analysis Tools
Values-mapping worksheets, guided self-assessment
Expected Outcomes
A documented list of core values and top priorities
Mapping Income and Obligations
Next, we systematically review your household income and fixed obligations, ensuring no element is overlooked.
Our Shared Goals
Build comprehensive clarity on resources and commitments.
Our Role
We provide a secure, judgment-free setting to review all regular income sources and required spending. Every recurring commitment is considered alongside discretionary options, clarifying the flow of resources.
Our Approach
Checklists and structured input sessions ensure accuracy, transparency, and forward planning.
Analysis Tools
Income capture templates, spending review checklists
Expected Outcomes
A summary report of income sources and standing obligations
Allocating Every Dollar With Purpose
Applying the zero-based framework, we work with you to assign roles to every dollar, linking allocations to your stated values and highest priorities.
Our Shared Goals
Ensure all outgoing funds have intention and meaning.
Our Role
Your advisor collaborates with you to allocate resources in a way that honors your values. Structured sessions prevent arbitrary or unconscious spending.
Our Approach
Interactive reviews with spending scenarios to refine and finalise an allocation plan that’s practical and realistic.
Analysis Tools
Spending allocation models, role-play worksheets
Expected Outcomes
Detailed allocation plan, documentation, and scenario outlines
Maintaining Alignment and Adjusting Over Time
Ongoing support and regular reviews help you adapt as your circumstances and values shift, ensuring continued alignment over the long term.
Our Shared Goals
Keep your financial actions in line with what matters most as life evolves.
Our Role
Scheduled reviews help assess what’s working and where adjustments are needed. Advisors are available for check-ins and fresh input to handle life changes smoothly.
Our Approach
Periodic plan evaluations and outcome tracking, paired with open discussions.
Analysis Tools
Progress logs, adaptable checklists
Expected Outcomes
Updated reports and revised allocation plans as priorities change
How Our Service Stands Apart
Review how our value-focused, zero-based spending support differs from other financial services.
| Key Service Features | liraventoxal values-based method | Typical Advisory Studio | Self-Guided Templates |
|---|---|---|---|
| Personalised Recommendations | Yes, always | Sometimes | Rarely |
| Collaborative Decision Support | Consistently | Occasionally | No |
| Values-Driven Approach | Core principle | Secondary | Not included |
| Ongoing Review Sessions | Regularly offered | On request | None |
| Transparency and Impartiality | Guaranteed | Varies | Not applicable |
| Adaptation to Evolving Needs | Included | Minimally | Manual only |