Financial Wisdom Built on Real Experience

We've spent years helping Australian professionals navigate complex financial decisions. Our approach isn't about quick fixes—it's about building sustainable strategies that actually work in practice.

Professional financial planning workspace with documents and analysis tools

Financial market analysis and business strategy development

How We Started (And Why It Matters)

Back in 2019, I noticed something troubling. Smart business owners were making terrible financial decisions—not because they lacked intelligence, but because they didn't have the right framework for thinking about diversification.

Too many were putting everything into one basket. Real estate investors who wouldn't touch the share market. Tech entrepreneurs who ignored property completely. Traditional business owners who treated investments like gambling.

The breakthrough came when we realized that diversification isn't just about spreading risk—it's about creating multiple income streams that actually complement each other.

We started selvarinoz to bridge this gap. Not with theory from textbooks, but with practical strategies we've tested ourselves. Every approach we teach has been through real market conditions, real economic uncertainty, real business cycles.

Our clients don't just learn concepts. They develop decision-making frameworks that work whether markets are up, down, or sideways. That's what separates sustainable wealth building from hoping everything works out.

The People Behind Your Success

We're not just educators—we're practitioners who've built our own diversified portfolios using the exact strategies we teach.

Tobias Kirkegaard

Lead Financial Strategist

Former investment banker who left the corporate world to help regular business owners build wealth. Specializes in creating practical diversification strategies that don't require a finance degree to understand.

Maxim Volkov

Business Development Specialist

Built and sold three businesses before joining selvarinoz. Now focuses on helping entrepreneurs understand how different investment vehicles can support their primary business goals rather than compete with them.

What Drives Everything We Do

These aren't corporate values written by a committee. They're principles that shape every conversation, every strategy session, every piece of advice we give.

Reality Over Theory

We only teach strategies we've actually implemented. If we haven't tested it in real market conditions with real money, we won't recommend it to you. Too much financial education comes from people who've never had skin in the game.

Your Goals, Your Timeline

Cookie-cutter approaches don't work. A 35-year-old entrepreneur has different needs than a 50-year-old looking to transition out of active business management. We build strategies around your specific situation, not generic formulas.

Education Before Action

We're not here to manage your money or sell you products. We're here to give you the knowledge and frameworks to make confident decisions yourself. The goal is independence, not dependence.

Long-Term Thinking

Everything we teach is designed to work over decades, not months. Quick wins usually create long-term problems. We focus on building systems that get stronger over time, even when markets don't cooperate.

Collaborative financial planning session with detailed investment strategy documentation