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Obsidian Wealth Management

How we help

Cashflow & Budgeting

See what your income needs to cover and what is available for other goals. Build a practical plan for spending, reserves and regular saving or investing.

Book a call

Free 15-minute call. Choose a time below.

Decisions we help you make

  • Where is my income actually going each month?
  • How much should I keep in reserve, and where should it sit?
  • Should surplus income go to the mortgage, super or investments?
  • How should a pay rise, bonus or new commitment change the plan?
  • Can we afford a major expense, such as school fees or a renovation, without derailing other goals?

How we help

What the advice covers

Cash flow planning starts with a clear picture of what comes in, what goes out and what is left. From there, we help you decide how to use the surplus and how much to keep available.

  • Income and spending. A review of your regular income, fixed commitments and discretionary spending.
  • Reserves. How much to hold for emergencies and known expenses, and where to keep it.
  • Account structure. Separating everyday spending, bills, savings and investing so the plan is easy to follow.
  • Saving for specific goals. A home deposit, school fees, travel or a career break, with a timeframe for each.
  • Planning for change. How a new role, a child, a pay rise or reduced hours could affect the numbers.

How it fits your wider plan

Cash flow is where most other decisions begin. The surplus you identify may go to debt repayments, super contributions or investing, and the right mix depends on your goals, timeframe and comfort with risk. We also check that reserves and insurance would carry the household through an interruption to income.

If you choose ongoing advice, reviews give you a regular opportunity to adjust the plan as your circumstances change.

Who it suits

  • Professionals and executives whose income has grown faster than their plan
  • Business owners managing variable drawings alongside household costs
  • Families balancing a home loan, everyday costs and saving for the years ahead

What working together involves

Tav leads the research, strategy and advice. Our client service, administration and implementation team supports the work.

  1. Step 1: Introductory call

    Tell us what has prompted you to seek advice. We’ll discuss whether Obsidian can help and explain the next step.

  2. Step 2: Discovery

    We explore your goals and financial position in detail. Together, we establish the questions your advice needs to answer and agree the scope and fees before proceeding.

  3. Step 3: Strategy development

    Tav researches your options and develops the strategy. We consider the costs, risks and trade-offs, then document the recommendations for you.

  4. Step 4: Advice presentation

    We explain the recommendations, work through your questions and refine the plan where needed. You decide which actions to authorise.

  5. Step 5: Implementation and review

    Our team coordinates the approved changes and keeps you updated. If you choose ongoing advice, scheduled reviews help keep the plan relevant as your circumstances change.

Read about our approach

Common questions about cashflow & budgeting

Is this just a budget?

No. A budget is part of it, but the advice also covers reserves, how your accounts are set up and where surplus income should go. The aim is a plan you can follow without tracking every purchase.

How much should I keep in an emergency reserve?

It depends on your income, commitments and how quickly you could access other funds. We assess those factors and agree an amount that suits your situation.

Can you help if my income varies?

Yes. We plan around the pattern of your income, including bonuses, commissions or business drawings, and set aside enough to cover leaner periods.

Book a free 15-minute call

Choose a time that suits you. We’ll discuss your situation, whether we can help and what working together would involve.

Scope and fees are agreed before any advice work proceeds. Our Financial Services Guide explains our services and how we’re paid.

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