Financial clarity shouldn't feel like solving a puzzle

We started xelurathomi in 2019 because too many Australians told us they felt overwhelmed by their money choices. Five years later, we're still here—helping people make sense of their financial futures one conversation at a time.

Why we do what we do

Back in 2018, our founder Elspeth Carmody was sitting in a café in Townsville when she overheard two teachers discussing their retirement plans. They were confused, frustrated, and honestly quite scared about whether they'd saved enough.

That conversation stuck with her. She'd spent years working in financial planning and kept seeing the same pattern—people earning decent incomes but lacking confidence in their financial decisions. Not because they weren't smart, but because the industry made everything unnecessarily complicated.

So she did something about it. xelurathomi was born from that simple idea: what if financial guidance actually made sense to regular people?

Professional financial planning workspace showing collaborative approach to money management

What guides us every day

These aren't corporate buzzwords we stuck on a wall. They're the principles that shape every client conversation we have.

Honest assessment

We tell you what your numbers actually mean—no sugarcoating, no jargon. If your current approach needs work, we'll explain why and show you what different looks like.

Real-world planning

Your financial goals should fit your actual life. We work with what you have now and build from there—not some idealized version of your circumstances.

Long-term thinking

Quick fixes rarely work with money. We focus on sustainable approaches that hold up when life inevitably throws you curveballs.

People who actually listen

Our team brings diverse backgrounds in finance, education, and client service. What we share is a genuine interest in understanding your situation before suggesting solutions.

Elspeth Carmody, Founder of xelurathomi

Elspeth Carmody

Founder & Lead Advisor

Torin Blackwood, Financial Strategist at xelurathomi

Torin Blackwood

Financial Strategist

xelurathomi team collaborating on client financial strategies in modern office environment

We've deliberately kept our team small. When you work with xelurathomi, you're not passed around different departments. You get consistent support from people who remember your previous conversations and understand where you're heading.

How we work with you

Every client situation differs, but our process stays consistent because it works. Here's what collaborating with xelurathomi typically looks like.

1

Initial conversation

We spend about 90 minutes getting to know your current financial picture. Bring whatever documents you have—bank statements, super statements, loan details. We'll review them together and identify what's working and what needs attention.

2

Goal mapping session

Once we understand where you are, we talk about where you want to go. This isn't about vague aspirations—we work on specific targets with realistic timeframes. Retirement at 60? House deposit in three years? Education fund for the kids? We build the framework.

3

Strategy development

We create a written plan that connects your current position to your goals. You'll see the numbers, understand the assumptions, and know exactly what actions come next. We explain the reasoning behind each recommendation so you can make informed decisions.

4

Ongoing support

Financial planning isn't a one-time event. We check in quarterly to track progress and adjust when life changes. Job switch? New baby? Inheritance? We'll modify the plan accordingly.

Ready to have a real conversation about your finances?

No pressure, no sales pitch. Just an honest discussion about your money situation and what options make sense for you.

Get in touch