We help people make smarter financial decisions

Based in Bankstown, we've spent years working with Australians who found themselves with unexpected budget surpluses and weren't sure what to do next

Started with a simple observation

Back in 2019, I kept running into the same situation. Friends, colleagues, even family members would mention they had extra money sitting around. Tax refunds. Inheritance. Bonuses. Sometimes just good old-fashioned saving.

But instead of feeling excited, they seemed... stuck. Should they invest it? Pay off debt? Save it differently? Everyone had advice, but most of it was either too generic or weirdly complicated.

So we started kelvironayti. Not as some flashy startup, but as a straightforward resource for people dealing with budget surpluses. Real situations. Practical guidance. No jargon unless it actually helps.

Financial planning workspace with documents and laptop

What guides our work

These aren't corporate values plastered on a wall. They're the principles that shaped how we built this thing

Plain honesty

We won't pretend managing surplus funds is rocket science. Sometimes the best move is boring. Sometimes you need a tax specialist. We'll tell you which is which.

Real context

Your surplus happened for a reason. Your goals matter. Your timeline counts. Generic advice ignores all that, which is why we don't offer it.

Practical focus

You don't need a finance degree to make good decisions about your money. We explain options in ways that actually make sense for everyday life.

Client consultation and financial planning discussion

How we actually work with clients

Understand your situation

We start by talking through where your surplus came from, what else is happening in your financial life, and what you're hoping to achieve over the next year or two.

Map out realistic options

Based on your circumstances, we walk through what could work. This includes the boring-but-smart choices and explains why certain common suggestions might not fit your situation.

Create actionable steps

No vague recommendations. We help you figure out exactly what to do next, in what order, and connect you with specialists when that makes sense.

Who's behind this

kelvironayti started small and stayed focused. We're not trying to be everything to everyone

Hamish Brennan

Financial Planning Specialist

I spent twelve years working in traditional financial services before realizing most people don't need complicated strategies. They need someone to help them think through their specific situation without selling them products.

Started kelvironayti in 2019 after one too many conversations where someone said "I wish someone had just explained this clearly a year ago." Now that's basically what we do every day.

Outside work, I'm usually fixing up our 1970s house in Bankstown or trying to keep my vegetable garden alive through Sydney summers.

What you can expect from us

We're not going to promise life-changing results or guaranteed outcomes. Managing a budget surplus well usually means making steady, sensible decisions that fit your actual life.

What we will do is give you straight answers based on your situation, explain options without the sales pitch, and help you avoid the common mistakes we've seen people make over the years.

If you've got extra money sitting around and aren't sure what to do with it, we can probably help you think it through. No pressure, no complicated jargon, just practical guidance from people who've seen these situations before.

Talk to us about your situation

Financial planning and surplus management consultation