Our Planning Methodology

carivante employs a structured yet flexible approach to financial planning consultations. Our methodology balances systematic analysis with personalised adaptation, ensuring each client receives guidance appropriate to their circumstances. This process has evolved through years of working with diverse Australian clients, incorporating lessons learned and best practices from professional experience. We begin with comprehensive discovery, move through detailed analysis, develop customised strategies, and establish frameworks for ongoing implementation and review.

Financial planning methodology framework

Meet Our Team

Experienced professionals dedicated to your financial wellbeing

Sarah Mitchell

Sarah Mitchell

Senior Financial Planner

12 Years Experience • Family Financial Planning

Education

Bachelor of Commerce in Finance, University of Melbourne

Sarah specialises in helping families navigate complex financial decisions with clarity and confidence throughout different life stages.

Experience

National Planning Group - Lead Financial Consultant (2018 to Present)
Commonwealth Advisory - Financial Planner (2013 to 2018)

Core Skills

Analysis Communication Strategy +1

Planning Approaches

Comprehensive Needs Analysis Goal-Based Planning Framework Scenario Modelling Techniques

Professional Credentials

Certified Financial Planner Australia
Advanced Diploma of Financial Planning
James Robertson

James Robertson

Principal Advisor

18 Years Experience • Strategic Financial Analysis

Education

Master of Applied Finance, Macquarie University

James brings extensive experience analysing complex financial situations and developing practical strategies that address both immediate and long-term objectives.

Experience

carivante - Principal Advisor (2015 to Present)
Wealth Solutions Australia - Senior Consultant (2010 to 2015)

Core Skills

Analysis Planning Evaluation +2

Planning Approaches

Risk Assessment Frameworks Cash Flow Analysis Strategic Planning Methods

Professional Credentials

Chartered Financial Analyst
Diploma of Financial Planning
Emily Chen

Emily Chen

Financial Consultant

8 Years Experience • Early Career Planning

Education

Bachelor of Business in Accounting, University of Technology Sydney

Emily focuses on helping young professionals and couples establish strong financial foundations while balancing current lifestyle needs with future aspirations.

Experience

carivante - Financial Consultant (2020 to Present)
Sydney Financial Services - Junior Planner (2017 to 2020)

Core Skills

Communication Analysis Planning +1

Planning Approaches

Life Stage Planning Budget Optimisation Techniques Goal Prioritisation Framework

Professional Credentials

Diploma of Financial Planning
Certified Practising Accountant
David Armstrong

David Armstrong

Senior Consultant

15 Years Experience • Transition Planning

Education

Bachelor of Economics and Finance, Australian National University

David specialises in working with clients approaching significant life transitions, helping them navigate decisions that impact long-term financial security.

Experience

carivante - Senior Consultant (2017 to Present)
Strategic Wealth Advisors - Financial Planner (2012 to 2017)

Core Skills

Strategy Analysis Communication +2

Planning Approaches

Transition Impact Analysis Scenario Planning Methods Comprehensive Review Framework

Professional Credentials

Certified Financial Planner
Graduate Diploma Applied Finance

Our Consultation Process

A structured five-phase approach ensuring thorough analysis and actionable strategies tailored to your unique circumstances and financial objectives

Financial planning process workflow

Discovery and Initial Assessment

Week One • Initial Consultation Session

Comprehensive Data Analysis

Week Two • Detailed Review Period

Strategy Development and Options

Week Three • Planning Session

Presentation and Discussion

Week Four • Strategy Review Meeting

Implementation and Ongoing Support

Week Five • Action Planning Session

What Sets Us Apart

Discover how our consultation approach differs from typical financial service models

Features
Service Characteristics
carivante Approach
Comprehensive client-centred consultations
Traditional Models
Standard service offerings
Complimentary Initial Consultation
No-cost introductory sessions for all clients
Personalised Strategy Development
Customised plans reflecting individual circumstances
Ongoing Advisory Relationship
Continuous support beyond initial consultation
Transparent Fee Structures
Clear communication about all costs
Comprehensive Analytical Review
Thorough examination of complete financial picture
Included Features
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