Building Plans That Work in Reality
We started mintraveqol in 2018 because too many business owners in Geelong were stuck with glossy documents that looked impressive but couldn't survive contact with actual business operations. Seven years later, we're still here because we stopped treating plans like decoration and started building them as tools.
Why We Do This Differently
Most financial planning shops follow a template. Fill in some numbers, make everything look tidy, hand over a binder. We tried that approach in our first year and watched three clients struggle because their plans couldn't adapt when suppliers changed terms or seasonal demand shifted.
So we rebuilt our entire method around flexibility. Real businesses deal with unexpected expenses, delayed payments, and opportunities that pop up at weird times. Your plan should handle that without needing a complete overhaul every quarter.
Now we build plans that bend without breaking. They track what matters, adjust to changes, and actually help you make decisions when things get messy.
What Drives Our Work
Honest Numbers
We don't massage projections to look better. If your margins are tight, we show you the actual situation and work from there. Optimistic forecasts feel good until reality arrives.
Practical Focus
Every recommendation needs to work with your current resources and team. We're not interested in strategies that require you to completely transform your business to implement them.
Long-Term Thinking
Quick fixes create bigger problems down the road. We build plans that strengthen your business over years, not just solve immediate cash flow concerns.
Who's Behind mintraveqol
Flynn Chambers
Lead Financial Planner
Started mintraveqol after spending six years helping regional businesses navigate expansion planning. Got tired of seeing good companies fail because their financial foundations couldn't support growth. Now focuses on building plans that scale properly.
Rex Donovan
Operations Analyst
Joined in 2021 after running operational finance for a manufacturing company. Brings practical experience with supply chain costs, inventory management, and the thousand small expenses that add up. Specializes in finding where money actually goes.
How We Actually Work
Understand Your Business
We start by learning how your business actually operates. Not the version in your business description, but the real day-to-day process including the messy parts that don't fit neatly into categories.
Map Current Reality
Before planning anything new, we document where you are now. Revenue patterns, expense timing, cash flow cycles, and the financial commitments you've already made.
Build Flexible Framework
Then we create a planning structure that handles variation. Multiple scenarios, buffer zones for unexpected costs, and clear triggers for when you need to adjust course.
Test Against Reality
We review quarterly to see how projections match actual results, understand why differences occurred, and refine the model so it gets more accurate over time.
