Real People, Real Financial Security

We started nexarolivo in 2019 because too many Australians were living paycheck to paycheck, one unexpected expense away from financial stress. What began as a simple mission has grown into a comprehensive emergency fund planning service that's helped thousands build genuine financial peace of mind.

How We Actually Got Started

Back in early 2019, I was working as a financial advisor in Sydney when I noticed something troubling. Most of my clients had superannuation sorted, investment portfolios planned out, but when I asked about emergency funds, I got blank stares or nervous laughs.

The breaking point came during the 2020 lockdowns. I watched perfectly capable people struggle because they didn't have three months of expenses saved. That's when I realized traditional financial planning was missing something fundamental.

"Emergency funds aren't just about money sitting in an account. They're about sleeping soundly when your car breaks down or your hours get cut."

So we moved to Dubbo, set up nexarolivo, and started focusing exclusively on helping people build proper emergency funds. Not investment schemes or complex products – just practical, achievable savings strategies that actually work for real Australian families.

Financial planning consultation showing charts and documents spread across a desk

What We've Learned Along the Way

Six years of helping Australians build emergency funds has taught us a few things about what actually works.

Start Small, Think Big

Most people try to save six months of expenses immediately and burn out in three weeks. We help you start with $500 goals and build momentum from there.

Automate Everything

The best emergency fund is the one you never have to think about. We set up systems that save money before you even notice it's gone.

Plan for Your Reality

Cookie-cutter advice doesn't work. We look at your actual expenses, income patterns, and lifestyle to create a fund that makes sense for you.

The People Behind nexarolivo

We're a small team based in Dubbo who genuinely care about helping Australians build financial security. No corporate nonsense, just real experience and practical advice.

Sarah Kensington

Founder & Financial Planning Director

Former Sydney financial advisor who got tired of complex investment products that ignored basic financial security. Sarah moved to regional NSW to focus on practical emergency fund planning that actually helps people sleep better at night. She's helped over 2,000 Australian families build their first proper emergency funds.

Elena Wycliffe

Senior Emergency Fund Specialist

Elena joined us in 2021 after working in banking for eight years. She specializes in automated savings strategies and has a talent for making complex financial concepts feel manageable. Elena's developed most of our step-by-step savings systems and knows exactly how to help people who've never saved money before.

Team collaboration session reviewing emergency fund planning strategies

Client consultation focused on personalized emergency fund development

Why We Do This Work

Financial stress affects everything – your relationships, your health, your ability to take opportunities when they come up. We believe every Australian deserves the peace of mind that comes from knowing they can handle whatever life throws at them.

That's not about having perfect finances or never worrying about money. It's about having enough saved to fix your car, cover medical expenses, or take care of family emergencies without going into debt or panic mode.

Let's Talk About Your Emergency Fund